Community Capital Bancshares, Inc. (ALBY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Community Capital Bancshares, Inc. (ALBY) trades at $32.33 with AI Score 51/100 (Grade B). Community Capital Bancshares, Inc. operates as a regional bank holding company, providing a range of banking services to individuals and businesses. Market cap: $41.14M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for ALBY: ALBY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ALBY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
ALBY: 4/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Community Capital Bancshares, Inc. (ALBY) Financial Services Profile
Community Capital Bancshares, Inc. (ALBY) is a regional bank holding company that offers a comprehensive suite of banking products and services aimed at individual and corporate customers, emphasizing community engagement and personalized service in Albany, Georgia.
What Is the Investment Thesis for ALBY?
Community Capital Bancshares, Inc. presents an interesting investment thesis characterized by a strong profit margin of 38.7% and a P/E ratio of 8.5, suggesting potential undervaluation compared to industry peers. The bank's focus on a diverse range of loan products and its commitment to community banking are key value drivers. Additionally, the company's 6.24% dividend yield may appeal to income-focused investors. The ongoing digital transformation initiatives aimed at enhancing customer experience could further drive growth, as the demand for online banking solutions continues to rise. However, investors should be aware of potential risks such as market competition and regulatory changes that could impact profitability. Overall, the bank's strong financial metrics and community-focused strategy position it well for future growth.
Based on FMP financials and quantitative analysis
ALBY Key Highlights
- Market capitalization of $41.14M indicates a small-cap status, potentially offering unique growth opportunities.
- P/E ratio of 8.5 suggests the stock may be undervalued compared to industry averages.
- Profit margin of 38.7% demonstrates strong operational efficiency and profitability.
- Gross margin of 100.0% indicates that all revenue is retained after accounting for the cost of goods sold.
- Dividend yield of 6.24% provides an attractive income stream for investors.
Who Are ALBY's Competitors?
ALBY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| FMBH First Mid Bancshares, Inc. | $48.66 | +0.42% | $1.30B | 74 |
| FHN First Horizon Corporation | $25.82 | +0.56% | $12.26B | 86 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 90 |
| SRCE 1st Source Corporation | $82.33 | +0.29% | $1.98B | 97 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ALBY's Key Strengths?
- Strong profit margin of 38.7% indicating effective cost management.
- Established community presence enhancing customer trust.
- Diverse range of banking products catering to various customer needs.
- Low beta of 0.39 suggests lower volatility compared to the market.
What Are ALBY's Weaknesses?
- Limited geographic reach compared to larger banks.
- Small employee base may limit operational scalability.
- Dependence on local economic conditions for growth.
- Potential challenges in attracting tech-savvy customers.
What Could Drive ALBY Stock Higher?
- Expansion of digital banking services to attract younger customers.
- Strong profit margins indicating effective cost management.
- Continued growth in commercial and agricultural lending.
- Potential strategic partnerships with fintech companies to enhance service offerings.
- Focus on community engagement to strengthen customer loyalty.
What Are the Key Risks for ALBY?
- Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- Intense competition from larger banks and fintech disruptors.
- Regulatory changes that could impact banking operations.
- Economic downturns affecting loan repayment rates.
- Challenges in attracting and retaining tech-savvy customers.
- Limited geographic reach compared to larger banking institutions.
What Are the Growth Opportunities for ALBY?
- Expansion of Digital Banking Services: Community Capital Bancshares is investing in enhancing its digital banking capabilities, which is crucial in a market where consumers increasingly prefer online banking solutions. The digital banking sector is expected to grow significantly, with projections indicating a market size of $1.5 trillion by 2027. By expanding its digital offerings, the bank can attract a younger demographic and increase customer retention.
- Growth in Commercial Lending: The demand for commercial loans is on the rise as small businesses seek financing to expand operations. Community Capital Bancshares has the opportunity to grow its commercial lending portfolio, which could enhance revenue streams. The commercial lending market is expected to grow at a CAGR of 5% over the next five years, providing a substantial opportunity for increased market share.
- Increased Focus on Agricultural Lending: Given its geographical location, Community Capital Bancshares can capitalize on the agricultural sector by offering tailored lending solutions. The agricultural lending market is projected to reach $200 billion by 2025, driven by the increasing need for financing in farming operations. By strengthening its agricultural loan offerings, the bank can tap into this lucrative market segment.
- Enhanced Customer Experience through Technology: By leveraging technology to improve customer service, Community Capital Bancshares can differentiate itself in a competitive market. Implementing advanced customer relationship management systems and AI-driven analytics can lead to better customer insights and service personalization, potentially increasing customer loyalty and satisfaction.
- Strategic Partnerships and Collaborations: Forming strategic partnerships with local businesses and organizations can enhance Community Capital Bancshares' visibility and customer base. Collaborations with fintech companies can also provide access to innovative financial solutions, further enhancing the bank's service offerings and attracting tech-savvy customers.
What Opportunities Does ALBY Have?
- Growing demand for digital banking solutions.
- Expansion into underserved markets within the region.
- Increasing agricultural lending opportunities.
- Potential for strategic partnerships with fintech companies.
What Threats Does ALBY Face?
- Intense competition from larger banks and fintech companies.
- Regulatory changes impacting banking operations.
- Economic downturns affecting loan repayment rates.
- Technological disruptions in the banking sector.
What Are ALBY's Competitive Advantages?
- Strong community presence and reputation enhance customer loyalty.
- Diverse range of banking products tailored to meet local needs.
- Focus on personalized customer service differentiates from larger banks.
- Established relationships with local businesses and organizations create competitive advantages.
- Lower operational costs due to a smaller scale compared to larger banks.
What Does ALBY Do?
Community Capital Bancshares, Inc. was incorporated in 1998 and serves as the holding company for AB&T, a regional bank based in Albany, Georgia. The company has evolved to offer a diverse array of banking products and services tailored to meet the needs of both individual and corporate clients. Its offerings include various deposit products such as checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. Additionally, Community Capital Bancshares provides a wide range of loan products, including commercial and residential real estate loans, agricultural loans, consumer installment loans, and educational loans. The bank also supports its customers with services such as money transfers, bill payments, remote deposit capture, ACH origination, and merchant services. With a strong emphasis on digital banking, Community Capital Bancshares offers online, mobile, and text message banking services to enhance customer convenience. The company prides itself on its commitment to community engagement and personalized service, positioning itself as a trusted banking partner in the region. As of now, the bank employs 84 individuals, reflecting its focus on maintaining a close-knit, community-oriented workforce.
What Products and Services Does ALBY Offer?
- Provide a variety of deposit products including checking, savings, and money market accounts.
- Offer a range of loan products such as commercial, residential, and agricultural loans.
- Deliver online and mobile banking services for customer convenience.
- Facilitate money transfer and bill payment services.
- Provide merchant services and ACH origination for business clients.
- Support customers with remote deposit capture and overdraft protection.
How Does ALBY Make Money?
- Generate revenue through interest income from loans and fees from banking services.
- Offer competitive interest rates on deposits to attract and retain customers.
- Leverage technology to reduce operational costs and improve service efficiency.
- Focus on community engagement to build long-term customer relationships.
- Utilize a diversified product portfolio to mitigate risks associated with economic fluctuations.
What Industry Does ALBY Operate In?
The regional banking industry is characterized by a growing emphasis on community engagement and personalized service, with a market size projected to expand as consumers increasingly seek local banking solutions. The trend towards digital banking continues to reshape the competitive landscape, with traditional banks adapting to fintech innovations. Community Capital Bancshares, Inc. fits into this landscape by focusing on personalized banking services while also embracing digital solutions, positioning itself to compete effectively against both local and national banks.
Who Are ALBY's Key Customers?
- Individual consumers seeking personal banking solutions.
- Small to medium-sized businesses requiring commercial banking services.
- Agricultural clients needing specialized loan products.
- Local organizations and non-profits seeking banking partnerships.
- Retirees looking for investment and savings options.
Company Profile
Community Capital Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Albany, US. The company is led by CEO R. Perry Revell. ALBY has traded publicly since 1999.
ROE 17%Key Financial Metrics
Return on equity for Community Capital Bancshares, Inc. stands at 16.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.8%, showing how much profit it generates from its asset base. ALBY trades at a trailing price-to-earnings ratio of 8.47, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 6.23 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 11.8%, the inverse of the P/E and a quick read on earnings relative to price.
ALBY Valuation & Market Position
With a $41.14M market cap, Community Capital Bancshares, Inc. sits in the micro-cap segment of the market. Relative to its peer group, ALBY's quantitative score of 51/100 is below the peer average of 86/100.
Quarterly Financial Performance: Community Capital Bancshares, Inc.
Revenue for Community Capital Bancshares, Inc. came in at $3.3M during Q1 2026, a 2.0% contraction versus the preceding quarter. The company recorded net income of $1.2M, with diluted EPS of $0.93. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, ALBY averaged $0.96 in diluted EPS.
F-Score 4/9Financial Health
Community Capital Bancshares, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.25 places it in the distress zone, a signal of elevated financial risk.
ALBY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- ALBY insiders seem confident, increasing their holdings recently. This could signal strong internal belief in the company's future prospects.
- The community is buzzing about potential new partnerships for ALBY, suggesting possible expansion and growth opportunities.
- Positive sentiment around ALBY's community involvement is growing. This could translate to increased customer loyalty and a stronger local market presence.
- ALBY's focus on local lending is resonating well, positioning them as a trusted financial partner within their community.
Bear Case
- There's growing concern in the community about increased regulatory scrutiny on smaller banks like ALBY. This could lead to higher compliance costs.
- Some investors are worried about ALBY's ability to compete with larger, more technologically advanced banks.
- The community is discussing potential headwinds due to the current economic uncertainty, which could impact ALBY's loan portfolio.
- Recent market perception indicates a general shift away from smaller regional banks, possibly impacting ALBY's valuation.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $3M | $1M | $0.93 |
| Q4 2025 | $3M | $1M | $1.07 |
| Q3 2025 | $3M | $1M | $0.96 |
| Q2 2025 | $3M | $1M | $0.89 |
Based on FMP financials and quantitative analysis
ALBY Latest News
No recent news available for ALBY.
ALBY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ALBY.
Price Targets
Wall Street price target analysis for ALBY.
ALBY MoonshotScore
What does this score mean?
The MoonshotScore rates ALBY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: R. Perry Revell
CEO
R. Perry Revell has a robust background in banking and finance, having held various leadership roles throughout his career. He has a strong educational foundation in business and finance, equipping him with the skills necessary to navigate the complexities of the banking industry. Revell has been instrumental in driving the strategic direction of Community Capital Bancshares, focusing on community engagement and customer service.
Track Record: Under Revell's leadership, Community Capital Bancshares has achieved significant growth in its loan portfolio and expanded its banking services. His strategic decisions have led to improved operational efficiency and a strong profit margin, positioning the bank favorably within the regional banking landscape.
ALBY OTC Market Information
Community Capital Bancshares, Inc. trades on the OTC Other tier, which typically includes companies that do not meet the listing requirements of major exchanges like NYSE or NASDAQ. This tier allows for greater flexibility in trading but may also indicate lower liquidity and visibility compared to listed companies.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to stocks listed on major exchanges.
- Potential for higher volatility due to limited trading activity.
- Less stringent reporting requirements may lead to less transparency.
- Increased risk of fraud or manipulation in the OTC market.
- Limited analyst coverage may result in less informed investment decisions.
- Verify the company's financial statements and disclosures.
- Assess the management team's experience and track record.
- Review the bank's loan portfolio quality and risk management practices.
- Understand the competitive landscape and market positioning.
- Evaluate the company's growth strategy and potential risks.
- Established history since 1998 with a focus on community banking.
- Strong profit margins indicating operational efficiency.
- Commitment to customer service and community engagement.
- Diverse range of products catering to various customer segments.
Common Questions About ALBY (Financial Services)
What does Community Capital Bancshares, Inc. do?
Community Capital Bancshares, Inc. operates as a regional bank holding company, providing a variety of banking products and services to individual and corporate customers. Its offerings include checking and savings accounts, various loan products, and digital banking services, all aimed at enhancing customer convenience and satisfaction.
What do analysts say about ALBY stock?
Currently, there are no specific analyst ratings or consensus information available for ALBY stock. However, key financial metrics such as a P/E ratio of 8.5 and a profit margin of 38.7% suggest that the company is performing well relative to its peers in the regional banking sector.
What are the main risks for ALBY?
Community Capital Bancshares, Inc. faces several risks, including intense competition from larger banks and fintech companies that could impact market share. Additionally, regulatory changes may affect operational practices, while economic downturns could lead to increased loan defaults. The bank also faces challenges in attracting tech-savvy customers, which is crucial for future growth.
What are the key factors to evaluate for ALBY?
Community Capital Bancshares, Inc. (ALBY) holds an AI score of 51/100 (moderate). P/E: 8.5x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does ALBY data refresh on this page?
ALBY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ALBY's recent stock price performance?
Community Capital Bancshares, Inc. (ALBY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margin of 38.7% indicating effective cost management. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ALBY overvalued or undervalued right now?
Community Capital Bancshares, Inc. (ALBY) trades at 8.5x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ALBY?
Before investing in Community Capital Bancshares, Inc. (ALBY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial reports and operational updates may be limited due to OTC classification.