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Stock Community Capital Bancshares, Inc. ALBY

Community Capital Bancshares, Inc. — Investlytic score 4/5 on the five criteria.

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80/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 4/5 criteria met. Data as of 04/11/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ✅ Debt passed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: 22.60%

Price change 2019 → 2020: -2.17%

Price change 2020 → 2021: 15.56%

Price change 2021 → 2022: 9.23%

Price change 2022 → 2023: 23.10%

Price change 2023 → 2024: 22.08%

Price change 2024 → 2025: 37.07%

Price change 2025 → 2026: 13.98%

Price change 2026 (year to date): 13.02%

Financial growth

Revenue CAGR (8 years): 6.19%

Earnings CAGR (8 years): 21.65%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 0.13

Debt/equity < 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 8.66

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 6.08% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

- / 5
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Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

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StockP/EDette/FPRevenue growthRating
Community Capital Bancshares, Inc.8.70.13+5.0 %🔒
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Crypto Blockchain Industries–27.88+31.0 %–
Audacia S.A.89.00.07+3.5 %–
Banque nationale de Belgique S.A.–12.64+10.1 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Community Capital Bancshares, Inc. over the latest fiscal years.

Revenue
12.7 m USD
fiscal year 2025
Net income
4.9 m USD
fiscal year 2025
Net margin
38.7 %
fiscal year 2025
Average annual growth
+5.0 %
Revenue growth over 5 years
Average annual growth
+7.7 %
Revenue growth over 10 years
Market cap
43.6 m USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
20209.9 m1.8 m17.9 %n/a
20219.0 m2.0 m22.0 %-9.1 %
202210.4 m2.8 m27.1 %+14.9 %
202315.0 m4.1 m27.1 %+44.9 %
202416.3 m4.4 m27.3 %+8.3 %
202512.7 m4.9 m38.7 %-22.1 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by Community Capital Bancshares, Inc. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
4 / 9
4 to 6: average accounts
Net Debt / EBITDA
0.46 x
low debt
Fiscal year20212022202320242025
Cash and investments80.1 m42.3 m39.2 m49.1 m42.0 m
Total Debt17.4 m9.5 m8.5 m6.4 m4.0 m
Net Debt-59.7 m-16.1 m-12.4 m6.4 m3.2 m
Equity20.1 m22.1 m24.8 m28.6 m31.3 m
Total assets257 m257 m250 m269 m280 m
Operating cash flow2.7 m3.9 m5.1 m4.2 m5.3 m
Investments (capex)109,223211,914139,336226,820666,189
Free cash-flow2.6 m3.6 m4.9 m3.9 m4.6 m
Share buybacks00000
Dividends paid0381,039959,212964,6202.6 m

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)8.48 x
Price / book value1.40 x
Return on Equity (ROE)16.4 %
Return on Invested Capital (ROIC)1.8 %
Net margin38.5 %
Debt / equity0.13 x
Current ratio6.23 x
Free cash-flow yield0.0 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

Community Capital Bancshares, Inc. compared with its sector on the same exchange and with its main competitors.

Company P/E
8.7

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Community Capital Bancshares, Inc.43.4 m8.738.7 %
Equity Bancshares, Inc. EQBK1.0 bn10.47.2 %
Community West Bancshares CWBC543 m16.019.6 %
First Ottawa Bancshares, Inc. FOTB222 m8.520.0 %
First Bancshares Inc. (Bellevue, OH) FIBH21.0 m6.8-90.5 %
United Bancshares, Inc. UBOH112 m8.518.2 %
Associated Banc-Corp ASB5.0 bn10.519.3 %
First Reliance Bancshares, Inc. FSRL154 m13.415.7 %
Touchmark Bancshares, Inc. TMAK53.7 m24.98.8 %

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 06/11/2026. Competitors: comparable companies named by the data provider.

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Dividends and earnings

Community Capital Bancshares, Inc.: dividend history, last distributions, stock splits and earnings releases.

Frequency
annual
Last dividend
2.05 USD
ex-dividend on 29/05/2026
Last 12 months
2.05 USD
number of payments: 1
Yield
6.8 %
on the last known price
Years of increases
2
consecutive
Years of payments
4
uninterrupted
00.511.021.542.052007 : 0.400 USD2008 : 0.100 USD20082009 : 0.0000 USD2010 : 0.0000 USD20102011 : 0.0000 USD2012 : 0.0000 USD20122013 : 0.0000 USD2014 : 0.0000 USD20142015 : 0.0000 USD2016 : 0.0000 USD20162017 : 0.0000 USD2018 : 0.0000 USD20182019 : 0.100 USD2020 : 0.0000 USD20202021 : 0.0000 USD2022 : 0.300 USD20222023 : 0.750 USD2024 : 0.750 USD20242025 : 2.00 USD2026 : 2.05 USD2026

Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
29/05/20262.05 USD08/07/2026
30/05/20252.00 USD08/07/2025
31/05/20240.750 USD08/07/2024
30/05/20230.750 USD10/07/2023
27/05/20220.300 USDn/a
30/05/20190.100 USD01/07/2019
15/04/20080.100 USDn/a
12/12/20070.100 USDn/a

Stock splits

DateOperation
04/06/2018reverse split: 1 share for 5
17/01/2001split: 10 shares for 7

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Community Capital Bancshares, Inc.

Free float
98.5 %
share of freely traded shares

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 01/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
OTC (hors cote)
IPO: 17/03/1999
ISIN code
US2036344073
Workforce
84
full-time employees
Chief executive
R. Perry Revell

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Community Capital Bancshares, Inc.

What is the Community Capital Bancshares, Inc. share price?

Latest recorded price: 33.50 USD on 06/11/2026, for a market cap of 43.6 m USD.

What is the revenue of Community Capital Bancshares, Inc.?

12.7 m USD for fiscal year 2025, with net income of 4.9 m USD (net margin 38.7 %).

Does Community Capital Bancshares, Inc. pay a dividend?

Yes. Latest dividend: 2.05 USD per share, ex-dividend on 29/05/2026. Over 12 months: 2.05 USD. Yield on the latest known price: 6.8 %.

What is the P/E ratio of Community Capital Bancshares, Inc.?

Trailing 12-month P/E of 8.7.

Is Community Capital Bancshares, Inc. stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US2036344073).

How many employees does Community Capital Bancshares, Inc. have?

84 full-time employees according to the latest published profile.

Who runs Community Capital Bancshares, Inc.?

R. Perry Revell is the company's chief executive.

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