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Community Capital Bancshares Inc (ALBY)

Community Capital Bancshares, Inc. is a bank holding company based in Albany, Georgia and the parent of AB&T. Through its banking subsidiary, the company serves individual and corporate customers with a range of deposit and lending products. Its deposit offerings include checking, savings, money market, individual retirement, and certificate of deposit accounts. The company also provides personal loans and home lending services, along with mobile, online, and digital wallet capabilities. Incorporated in 1998, Community Capital Bancshares is listed as common stock on OTC Markets under the symbol ALBY.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-ALBY
$36.70
14.7% Upside
Fair
—
—
—
Great
—
—
2.05
6.4%
July 28, 2026
8.3x
—
3.2x
41.587 M
—
0.0%
—
—
—
—
Valuation • Fair Value

Community Capital Bancshares Inc (OTC-ALBY) Fair Value by Valuation Model

Compare the primary fair value estimate for Community Capital Bancshares Inc (OTC-ALBY) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$36.70

Estimated upside of 14.7% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$42.67

Classic Ben Graham valuation formula reference.

DDM Fair Value

$56.03

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$27.03

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Community Capital Bancshares Inc (OTC-ALBY) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Community Capital Bancshares Inc (OTC-ALBY)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

12.934 M

Current operating scale indicator.

Revenue Forecast

13.125 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Community Capital Bancshares Inc (OTC-ALBY) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Community Capital Bancshares Inc (OTC-ALBY)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

1

Weak quality score that deserves closer review.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

Not available

Data is currently unavailable.

FCF / Net Income

Not available

Data is currently unavailable.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Community Capital Bancshares Inc (OTC-ALBY). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Community Capital Bancshares Inc (OTC-ALBY)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 28, 2026

Days to Earnings

7

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

6.4%

Income yield reference.

Upcoming Dividend

2.05

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Community Capital Bancshares Inc (OTC-ALBY), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Community Capital Bancshares Inc (OTC-ALBY) Stock Forecast & Technical Outlook

Review Community Capital Bancshares Inc (OTC-ALBY) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Community Capital Bancshares Inc (OTC-ALBY) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Community Capital Bancshares Inc (OTC-ALBY) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Community Capital Bancshares Inc (OTC-ALBY) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Buy

The weekly technical read for Community Capital Bancshares Inc (OTC-ALBY) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Community Capital Bancshares Inc (OTC-ALBY) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Community Capital Bancshares Inc (OTC-ALBY)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Community Capital Bancshares Inc (OTC-ALBY) has a Strong Buy consensus, with 1 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 0
Sell 0
FAQ • Fast Investor Answers

Community Capital Bancshares Inc (OTC-ALBY) Stock FAQ

Quick answers about Community Capital Bancshares Inc (OTC-ALBY) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$36.70
Estimated upside 14.7%
Valuation Rating
Undervalued
Estimated upside of 14.7%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Great
Current financial-health read

The current fair value estimate for Community Capital Bancshares Inc (OTC-ALBY) is $36.70. This implies an estimated upside of 14.7% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 14.7% versus the current market price.

An analyst price target for Community Capital Bancshares Inc (OTC-ALBY) is not currently available in the latest data file.

The current financial health read for Community Capital Bancshares Inc (OTC-ALBY) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Community Capital Bancshares Inc (OTC-ALBY) is July 28, 2026.

Based on the current data, dividend yield is 6.4%, upcoming dividend amount is 2.05.

The current P/E ratio listed for Community Capital Bancshares Inc (OTC-ALBY) is 8.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Community Capital Bancshares Inc is 41.587 M.

The ticker symbol for Community Capital Bancshares Inc is OTC-ALBY, and the stock is listed on OTC Markets.

Community Capital Bancshares Inc (OTC-ALBY) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Community Capital Bancshares Inc is 0.0%, which helps investors evaluate the company’s financing structure and leverage profile.

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