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INDICATIVE · SAMPLE DATA
ALBY.PK57

Community Capital Bancshares Inc

BanksVerified

Community Capital Bancshares Inc has a total equity of $26,087,000 and a debt-to-equity ratio of 0.0, indicating a strong equity position with no leverage. The company's return on equity (ROE) is 4.27%, which is below the typical performance benchmark for banks, suggesting limited capital efficiency. The company's profitability is reflected in a net income of $1,115,000 on revenue of $2,744,000, yielding a net margin of 40.64%. This margin is significantly higher than the median for the banking industry, indicating strong cost control and pricing power. Community Capital Bancshares Inc operates as a single business segment, with all revenue derived from its core banking operations. There is no geographic diversification disclosed, and the company's revenue is entirely concentrated in its domestic operations. The company's revenue growth is not disclosed in the latest financials, but the net income of $1,115,000 suggests stable performance. Analyst estimates indicate a recent actual revenue of $9,793,000, which may reflect a prior period or a different reporting standard. The risk assessment indicates low dilution potential and no recent dilutive events. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. No recent filings or transcripts are available to provide insight into the company's strategic direction or operational developments.

30-day price · ALBY.PK(missing data)
No daily-bar history available from current data sources. Alternate source pending.
Profile
CompanyCommunity Capital Bancshares Inc
TickerALBY.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Community Capital Bancshares Inc provides banking and investment services, primarily generating revenue through interest income from loans and fees from financial services.

Classification. Community Capital Bancshares Inc is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with 92% confidence.

Community Capital Bancshares Inc has a total equity of $26,087,000 and a debt-to-equity ratio of 0.0, indicating a strong equity position with no leverage. The company's return on equity (ROE) is 4.27%, which is below the typical performance benchmark for banks, suggesting limited capital efficiency. The company's profitability is reflected in a net income of $1,115,000 on revenue of $2,744,000, yielding a net margin of 40.64%. This margin is significantly higher than the median for the banking industry, indicating strong cost control and pricing power. Community Capital Bancshares Inc operates as a single business segment, with all revenue derived from its core banking operations. There is no geographic diversification disclosed, and the company's revenue is entirely concentrated in its domestic operations. The company's revenue growth is not disclosed in the latest financials, but the net income of $1,115,000 suggests stable performance. Analyst estimates indicate a recent actual revenue of $9,793,000, which may reflect a prior period or a different reporting standard. The risk assessment indicates low dilution potential and no recent dilutive events. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. No recent filings or transcripts are available to provide insight into the company's strategic direction or operational developments.
Key takeaways
  • Community Capital Bancshares Inc has a strong equity position with no leverage, as indicated by a debt-to-equity ratio of 0.0.
  • The company's net margin of 40.64% is significantly higher than the median for the banking industry, suggesting strong profitability.
  • All revenue is concentrated in a single business segment and domestic operations, with no geographic diversification disclosed.
  • Liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.
  • --
  • ## RATIONALES
  • ```json
  • {
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue$2.7M
Gross profit
Operating income
Net income$1.1M
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity$26.1M
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4
FY-3
FY-2
FY-1
FY0$11.7M$4.9M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$19.1M
FY-3$20.8M
FY-2$23.2M
FY-1$26.4M
FY0$31.3M
PeriodOCFCapExFCFSBC
FY-4
FY-3
FY-2
FY-1
FY0
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7$2.7M$1.1M
FQ-6$2.8M$1.1M
FQ-5
FQ-4$2.8M$1.1M
FQ-3$2.9M$1.2M
FQ-2$3.0M$1.2M
FQ-1$3.1M$1.4M
FQ0$3.0M$1.2M
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7$26.1M
FQ-6$27.5M
FQ-5$26.4M
FQ-4$29.9M
FQ-3$31.0M
FQ-2$29.9M
FQ-1$31.3M
FQ0$32.2M
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity0.0
ROA
ROE4.3%
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricALBY.PKActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin40.6%33.6% medp25 19.4% · p75 51.1%above median
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.6% medp25 -10.4% · p75 -2.1%
Debt / equity0.0%56.1% medp25 13.2% · p75 161.2%bottom quartile
Observations
IR observations
Last actual EPS-0.90 USD
Last actual revenue9,793,000 USD
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-09 07:36 UTC#b613e57b
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 07:39 UTCJob: ce3629f0