Community Capital Bancshares (OTCMKTS:ALBY) & Commonwealth Business Bank (OTCMKTS:CBBI) Head to Head Analysis

Risk and Volatility

Community Capital Bancshares has a beta of 0.43, suggesting that its stock price is 57% less volatile than the S&P 500. Comparatively, Commonwealth Business Bank has a beta of 0.15, suggesting that its stock price is 85% less volatile than the S&P 500.

Dividends

Community Capital Bancshares pays an annual dividend of $2.00 per share and has a dividend yield of 6.7%. Commonwealth Business Bank pays an annual dividend of $0.50 per share and has a dividend yield of 4.5%. Community Capital Bancshares pays out 51.9% of its earnings in the form of a dividend. Commonwealth Business Bank pays out 29.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Valuation and Earnings

This table compares Community Capital Bancshares and Commonwealth Business Bank”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Capital Bancshares	$15.03 million	2.59	$4.90 million	$3.85	7.79
Commonwealth Business Bank	$120.93 million	0.96	$22.43 million	$1.68	6.55

Commonwealth Business Bank has higher revenue and earnings than Community Capital Bancshares. Commonwealth Business Bank is trading at a lower price-to-earnings ratio than Community Capital Bancshares, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Community Capital Bancshares and Commonwealth Business Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Capital Bancshares	N/A	N/A	N/A
Commonwealth Business Bank	15.52%	N/A	N/A

Summary

Community Capital Bancshares beats Commonwealth Business Bank on 5 of the 9 factors compared between the two stocks.

About Community Capital Bancshares

Community Capital Bancshares, Inc. operates as the holding company for AB&T that provides various banking products and services to individual and corporate customers. The company accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposits. Its loan products include commercial and residential real estate, commercial, financial, agricultural, consumer installment, overdrafts and other revolving credit, and educational loans. The company also offers money transfer, bill pay, remote deposit capture, ACH origination, and merchant services, as well as online, mobile, and text message banking services. The company was incorporated in 1998 and is based in Albany, Georgia.

About Commonwealth Business Bank

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking products and services to individuals and businesses in the United States. It offers checking, savings, money market, and certification of deposit accounts; SBA lending; business lines of credit; business term loans; business and commercial property loans; construction loans; and credit cards. The company also provides treasury management, and mobile and online banking services, as well as title and escrow services. In addition, it engages in investing activities; and offers trade finance services, including commercial letters of credit, standby letters of credit, and documentary collection services. The company offers its services through full-service and limited-service branches in Southern California, Dallas, Texas and Honolulu, and Hawaii; and loan production offices in the states of Colorado, Georgia, Texas, and Washington. CBB Bancorp, Inc. was founded in 2005 and is headquartered in Los Angeles, California.