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Community Capital Bancshares, Inc (ALBY) Fair Value & Analysis

Financial Services · US · Market cap $42.0M

Price$30.66
Fair Value$41.53
Upside+35.5%
Quality89/100
Evidence: Medium Range $31.15 – $51.92

Fair value as of: Jun 26, 2026

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Analysis

Community Capital Bancshares, Inc (ALBY) currently trades at $30.66, while our model-based Fair Value estimate is $41.53 — implying the stock looks roughly 35.5% undervalued today. We read business quality at 89/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

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. 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.

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Frequently asked questions

Is Community Capital Bancshares, Inc (ALBY) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $41.53 versus a price of $30.66 — about +35% (undervalued). Model-based estimate, not financial advice.
What is the fair value of ALBY?
Our 21-model fair value for Community Capital Bancshares, Inc is $41.53 (as of Jun 26, 2026), built from audited fundamentals. The current price is $30.66.
What is the quality score of ALBY?
Community Capital Bancshares, Inc has a Quality Score of 89/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.