Community Capital Bancshares Inc (ALBY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Community Capital Bancshares Inc stock $27.45, price $33.50, that is 18.1% below the price, quality 63 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $4.00 – $35.50 · fair‑value band $21.06 – $42.01 · the $33.50 price screens above the $27.45 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Community Capital Bancshares, Inc. operates as the holding company for AB&T that provides various banking products and services to individual and corporate customers.
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The company accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposits. It also offers mobile, online, and digital wallet services; personal loans; and home lending services.
Community Capital Bancshares, Inc. was incorporated in 1998 and is based in Albany, Georgia.
Stock analysis
Community Capital Bancshares Inc (ALBY) currently trades at $33.50, while our model-based Fair Value estimate is $27.45, 18% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $33.61 per share, and 1 of the 6 models we run sit above the $33.50 price.
Bear case: the Asset-Based group reads lowest at $12.75, and 5 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: $21.06 (bear) to $42.01 (bull), the price of $33.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Community Capital Bancshares Inc reported revenue of $11.4M in FY2023 versus $7.8M in FY2019, a compound +10.1%/yr. Reported net income was $4.1M in FY2023, compounding +29.3%/yr from FY2019.
Key figures
Market cap $42.6M Micro · P/E ratio 8.9 · P/S ratio 3.19 · EPS (TTM) $3.76 · Net margin 38.5% · Return on equity 9.4% · Return on assets (EBIT) 0.2% (5-year average) · Operating margin 50.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −18%, ALBY screens cheaper than that median.
Fair Value models
Bear$21.06Fair Value $27.45Bull$42.01
Price $33.50 · Downside -18.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+21.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.8%
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+19.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.8%
Dividend (yield on the price)0.0%
2022 sits 57% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare Community Capital Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside−18.1% · Above median
Profitability
Return on equity (12 months)9.4% · Below median
Return on assets1.6% · Top 25%
Net margin (12 months)38.5% · Top 25%
Operating margin (12 months)50.0% · Above median
Growth and dividend
Revenue growth (quarter YoY)5.6% · Below median
Dividend yield (12 months)0.0% · Bottom 25%
Balance sheet
Debt / equity0.34× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)8.9× · Cheaper than median
P/B1.72× · Priciest 25%
P/S (12 months)3.19× · Cheaper than median
Price / free cash flow (fiscal year)8.7× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)9· sector 8
FUTURE (revenue growth)28· sector 47
PAST (return on equity)38· sector 43
HEALTH (low debt)–
DIVIDEND (yield)0· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Community Capital Bancshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/ALBY
Frequently asked questions
Is Community Capital Bancshares Inc (ALBY) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $27.45 versus a price of $33.50, about 18% lower (overvalued).
What is the fair value of ALBY?
Our model-based fair value for Community Capital Bancshares Inc is $27.45 (as of Nov 6, 2026), built from audited fundamentals. The current price: $33.50.
What is the quality score of ALBY?
Community Capital Bancshares Inc has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Community Capital Bancshares Inc (ALBY)?
Our model-based price target is the fair value of $27.45 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $21.06, optimistic scenario $42.01. It is a calculation from audited fundamentals, not an analyst target.
What is the Community Capital Bancshares Inc stock forecast for 2026?
Our models put fair value at $27.45, about 18% lower versus a price of $33.50 (overvalued). Cautious scenario $21.06, optimistic scenario $42.01. The calculation is refreshed regularly with new filings.
What is the revenue of Community Capital Bancshares Inc (ALBY)?
Community Capital Bancshares Inc reported trailing-twelve-month revenue of about $13.3M (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of Community Capital Bancshares Inc (ALBY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Community Capital Bancshares Inc it is $27.45 per share (as of Nov 6, 2026), against a price of $33.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Community Capital Bancshares Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, ALBY trades above its calculated fair value: price $33.50, fair value $27.45, a gap of about −18% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ALBY?
No. The price is what the market pays today ($33.50); the fair value is what the company's own numbers justify ($27.45). For Community Capital Bancshares Inc the two are $6.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is Community Capital Bancshares Inc worth?
The market values Community Capital Bancshares Inc at about $42.6M (market capitalisation, as of Nov 6, 2026). Per share that is $33.50; our models calculate a fair value of $27.45 per share.
What do the bullish and bearish scenarios say about ALBY?
Our models span a range for Community Capital Bancshares Inc: cautious scenario $21.06, base $27.45, optimistic $42.01 per share (as of Nov 6, 2026, price $33.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ALBY?
Community Capital Bancshares Inc trades at a price-to-earnings ratio of 8.9 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $27.45 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2018 to 2022), reported earnings: 8.3. Other multiples: P/B 1.7, P/S 3.2.
How solid is the balance sheet of Community Capital Bancshares Inc (ALBY)?
Balance-sheet figures for Community Capital Bancshares Inc (as of Nov 6, 2026): return on equity 9.4%, debt of 0.34 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is ALBY from its 52-week high?
Community Capital Bancshares Inc trades at $33.50, about 6% below its 52-week high of $35.50 and 24% above the low of $26.94 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $27.45 is for.
Which stocks are comparable to Community Capital Bancshares Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Community Capital Bancshares Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $33.50, calculated fair value $27.45 (−18%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ALBY calculated?
We run Community Capital Bancshares Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $27.45 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Community Capital Bancshares Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Community Capital Bancshares Inc (ALBY)?
The closing price on Nov 6, 2026 was $33.50. Our model-based fair value is $27.45, about 18% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Community Capital Bancshares Inc right now?
Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($21.06 to $42.01) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Community Capital Bancshares Inc
How large is the market capitalisation of Community Capital Bancshares Inc (ALBY)?
The market capitalisation of Community Capital Bancshares Inc is $42.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Community Capital Bancshares Inc (ALBY)?
The price-to-sales ratio of Community Capital Bancshares Inc is 3.19 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Community Capital Bancshares Inc (ALBY)?
Earnings per share at Community Capital Bancshares Inc are $3.76 (price ÷ EPS = P/E 8.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Community Capital Bancshares Inc (ALBY)?
The net margin of Community Capital Bancshares Inc is 38.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Community Capital Bancshares Inc (ALBY)?
The return on equity (ROE) of Community Capital Bancshares Inc is 9.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Community Capital Bancshares Inc (ALBY)?
On an EBIT basis the return on assets of Community Capital Bancshares Inc is 0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Community Capital Bancshares Inc (ALBY)?
The operating margin of Community Capital Bancshares Inc is 50.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Community Capital Bancshares Inc (ALBY)?
Revenue at Community Capital Bancshares Inc is growing +5.6% versus a year earlier (3y avg +9.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Community Capital Bancshares Inc (ALBY)?
Earnings per share at Community Capital Bancshares Inc are growing +1.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Community Capital Bancshares Inc (ALBY) generate?
The free cash flow of Community Capital Bancshares Inc is $4.9M (fiscal year 2023). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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