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ALBY

Community Capital Bancshares, Inc.

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Price alert · ALBY

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33.69 USD +0.59 +1.78%
As of Oct 29, 2026
33.45 Day range 33.50
28.75 52-week range 38.00
YTD
+15.18%
1 year
+10.97%
Open
33.50
Prev close
33.10
Mkt cap
43.89M
Vol
800
Avg vol
603
EPS
3.78
P/E
8.91
More statistics
Low
33.45
High
33.50

5D chart

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Financial health

Altman Z-Score

0.26 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 4
  • P/B 1

Valuation

P/E 7.7×
FY 2016: 16.0×FY 2017: -11.6×FY 2018: 9.3×FY 2019: 9.8×FY 2020: 8.0×FY 2021: 8.2×FY 2022: 6.4×FY 2023: 5.5×FY 2024: 6.2×FY 2025: 7.7×
FY 2016 5y median 6.4× FY 2025
P/S 3.0×
FY 2016: 1.5×FY 2017: 2.2×FY 2018: 1.4×FY 2019: 1.5×FY 2020: 1.4×FY 2021: 1.8×FY 2022: 1.7×FY 2023: 1.5×FY 2024: 1.7×FY 2025: 3.0×
FY 2016 5y median 1.7× FY 2025
P/B 1.2×
FY 2016: 0.7×FY 2017: 1.2×FY 2018: 0.8×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.2×
FY 2016 5y median 0.9× FY 2025
P/FCF 8.2×
FY 2016: 12.1×FY 2017: 8.6×FY 2018: 9.3×FY 2019: 5.6×FY 2020: 4.4×FY 2021: 6.3×FY 2022: 4.9×FY 2023: 4.5×FY 2024: 7.0×FY 2025: 8.2×
FY 2016 5y median 6.3× FY 2025
EV/EBITDA 6.4×
FY 2016: 10.4×FY 2017: -0.1×FY 2018: 1.3×FY 2019: 5.4×FY 2020: -24.1×FY 2021: -16.0×FY 2022: 0.5×FY 2023: 1.8×FY 2024: 5.5×FY 2025: 6.4×
FY 2016 5y median 1.8× FY 2025
EV/Sales 3.2×
FY 2016: 1.8×FY 2017: -0.0×FY 2018: 0.3×FY 2019: 1.2×FY 2020: -6.0×FY 2021: -4.8×FY 2022: 0.2×FY 2023: 0.7×FY 2024: 2.0×FY 2025: 3.2×
FY 2016 5y median 0.7× FY 2025
FCF Yield 12.2%
FY 2016: 8.3%FY 2017: 11.7%FY 2018: 10.8%FY 2019: 17.9%FY 2020: 23.0%FY 2021: 15.8%FY 2022: 20.2%FY 2023: 22.0%FY 2024: 14.4%FY 2025: 12.2%
FY 2016 5y median 15.8% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 90.8%FY 2017: 88.1%FY 2018: 82.0%FY 2019: 79.7%FY 2020: 80.5%FY 2021: 89.8%FY 2022: 88.4%FY 2023: 75.8%FY 2024: 73.3%FY 2025: 100.0%
FY 2016 5y median 88.4% FY 2025
Operating Margin 50.5%
FY 2016: 14.9%FY 2017: 20.4%FY 2018: 19.3%FY 2019: 19.3%FY 2020: 22.6%FY 2021: 28.1%FY 2022: 35.0%FY 2023: 35.5%FY 2024: 73.3%FY 2025: 50.5%
FY 2016 5y median 35.5% FY 2025
Net Margin 38.7%
FY 2016: 9.4%FY 2017: -18.6%FY 2018: 14.9%FY 2019: 15.1%FY 2020: 17.9%FY 2021: 22.0%FY 2022: 27.1%FY 2023: 27.0%FY 2024: 27.3%FY 2025: 38.7%
FY 2016 5y median 27.1% FY 2025
ROE 15.7%
FY 2016: 4.2%FY 2017: -10.5%FY 2018: 8.5%FY 2019: 9.0%FY 2020: 9.9%FY 2021: 9.9%FY 2022: 12.7%FY 2023: 16.4%FY 2024: 15.6%FY 2025: 15.7%
FY 2016 5y median 15.6% FY 2025
ROIC 1.8%
FY 2016: 2.3%FY 2017: -4.9%FY 2018: 3.5%FY 2019: 3.7%FY 2020: 4.6%FY 2021: 5.2%FY 2022: 9.0%FY 2023: 11.6%FY 2024: 4.8%FY 2025: 1.8%
FY 2016 5y median 5.2% FY 2025
ROA 1.8%
FY 2016: 0.4%FY 2017: -0.8%FY 2018: 0.6%FY 2019: 0.7%FY 2020: 0.6%FY 2021: 0.8%FY 2022: 1.1%FY 2023: 1.6%FY 2024: 1.7%FY 2025: 1.8%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue -22.1%
FY 2016: 11.8%FY 2017: 12.1%FY 2018: 9.9%FY 2019: 15.5%FY 2020: 3.3%FY 2021: -9.1%FY 2022: 14.9%FY 2023: 44.9%FY 2024: 8.3%FY 2025: -22.1%
FY 2016 FY 2025
Operating Income -46.4%
FY 2016: 82.8%FY 2017: 53.2%FY 2018: 3.9%FY 2019: 15.6%FY 2020: 21.1%FY 2021: 12.9%FY 2022: 43.1%FY 2023: 47.1%FY 2024: 123.4%FY 2025: -46.4%
FY 2016 FY 2025
EPS (diluted) 10.5%
FY 2016: 92.3%FY 2017: -328.0%FY 2018: 186.8%FY 2019: 18.2%FY 2020: 19.7%FY 2021: 11.4%FY 2022: 40.4%FY 2023: 45.2%FY 2024: 7.5%FY 2025: 10.5%
FY 2016 FY 2025
Free Cash Flow 17.3%
FY 2016: 102.8%FY 2017: 126.1%FY 2018: -34.6%FY 2019: 104.0%FY 2020: 27.7%FY 2021: -20.2%FY 2022: 40.5%FY 2023: 35.1%FY 2024: -19.9%FY 2025: 17.3%
FY 2016 FY 2025

Financial Health

Current Ratio 140×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.7×FY 2025: 140×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 140×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.7×FY 2025: 140×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.1×
FY 2016: 0.8×FY 2017: 1.0×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 0.9×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.5×
FY 2016: 1.8×FY 2017: -9.6×FY 2018: -5.1×FY 2019: -1.5×FY 2020: -29.8×FY 2021: -22.0×FY 2022: -4.3×FY 2023: -2.3×FY 2024: 0.9×FY 2025: 0.5×
FY 2016 5y median -2.3× FY 2025
Interest Coverage 0.0×
FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 1.7×FY 2021: 2.8×FY 2022: 3.6×FY 2023: 1.5×FY 2024: 2.8×FY 2025: 0.0×
FY 2016 5y median 2.8× FY 2025

Dividends

Dividend Yield 6.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.9%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 2.1%FY 2023: 4.3%FY 2024: 3.5%FY 2025: 6.8%
FY 2016 5y median 3.5% FY 2025
Payout Ratio 52.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 8.5%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 13.6%FY 2023: 23.6%FY 2024: 21.7%FY 2025: 52.9%
FY 2016 5y median 21.7% FY 2025

Annual · latest fiscal year ends 2025-12-31