Community Capital Bancshares Inc (ALBY) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Community Capital Bancshares Inc $30.20, price $33.51, upside -9.9%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $4.00 – $35.50 · fair‑value band $22.13 – $43.02 · the $33.51 price screens above the $30.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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. The company accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposits.
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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. 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 $33.51, while our model-based Fair Value estimate is $30.20, implying the stock looks roughly 11.0% fairly valued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $27.28 per share, and 1 of the 6 models we run sit above the $33.51 price.
Bear case: the Dividend Discount group reads lowest at $11.40, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $22.13 (bear) to $43.02 (bull), the price of $33.51 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 62/100 (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 · P/E ratio 9.6 · P/S ratio 3.43 · EPS (TTM) $3.48 · Net margin 35.6% · Return on equity 9.4% · Return on assets (EBIT) 0.2% · Operating margin 51.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 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 −36% fair-value upside, at −10%, ALBY screens cheaper than that median.
Fair Value models
Bear $22.13Fair Value $30.20Bull $43.02
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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%
Profit margin 2000 to 2016 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 16%
2022 sits 57% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−13.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −15.6% a year for the price.
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 · 1076 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside−10% · Above median
Profitability
Return on equity (TTM)9% · Below median
Return on assets1% · Below median
Net margin (TTM)39% · Top 25%
Operating margin (TTM)51% · Top 25%
Growth and dividend
Revenue growth7% · Below median
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.34× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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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 Sep 24, 2026, our model estimates a fair value of $30.20 versus a price of $33.51, about −10% upside (fairly valued).
What is the fair value of ALBY?
Our model-based fair value for Community Capital Bancshares Inc is $30.20 (as of Sep 24, 2026), built from audited fundamentals. The current price: $33.51.
What is the quality score of ALBY?
Community Capital Bancshares Inc has a Quality Score of 62/100. 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 $30.20 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $22.13, optimistic scenario $43.02. 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 $30.20, about −10% upside versus a price of $33.51 (fairly valued). Cautious scenario $22.13, optimistic scenario $43.02. 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 $13.2M (latest available figure, as of Sep 24, 2026).
What growth is priced into Community Capital Bancshares Inc (ALBY)?
For today's price to be fair in a discounted-cash-flow model, Community Capital Bancshares Inc would have to grow free cash flow by -13.6 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of ALBY use?
Our models discount Community Capital Bancshares Inc at 8.5 %: a base by market capitalisation (nano), damped by beta 0.40, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Community Capital Bancshares Inc that is -13.6 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Community Capital Bancshares Inc (ALBY) delivered so far?
Over the past 5 years revenue at Community Capital Bancshares Inc grew +10.8 % a year. The price currently implies -13.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Community Capital Bancshares Inc (ALBY) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Community Capital Bancshares Inc (-13.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Community Capital Bancshares Inc (ALBY)?
The free-cash-flow yield on the price is 11.54 %: that much free cash flow Community Capital Bancshares Inc produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $30.20 per share (as of Sep 24, 2026), against a price of $33.51. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Community Capital Bancshares Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ALBY trades above its calculated fair value: price $33.51, fair value $30.20, a gap of about −10% (fairly valued). 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 ($33.51); the fair value is what the company's own numbers justify ($30.20). For Community Capital Bancshares Inc the two are $3.31 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 Sep 24, 2026). Per share that is $33.51; our models calculate a fair value of $30.20 per share.
What do the bullish and bearish scenarios say about ALBY?
Our models span a range for Community Capital Bancshares Inc: cautious scenario $22.13, base $30.20, optimistic $43.02 per share (as of Sep 24, 2026, price $33.51). 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 9.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $30.20 is built from several models across several years. 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 Sep 24, 2026): return on equity 9.4%, debt of 0.34 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is ALBY from its 52-week high?
Community Capital Bancshares Inc trades at $33.51, about 6% below its 52-week high of $35.50 and 24% above the low of $26.94 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $30.20 is for.
Which stocks are comparable to Community Capital Bancshares Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Sep 24, 2026: price $33.51, calculated fair value $30.20 (−10%), Quality Score 62/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $30.20, 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 14.0 % 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 Sep 24, 2026 was $33.51. Our model-based fair value is $30.20, about −10% upside (fairly valued). 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?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($22.13 to $43.02) leaves room in how you read the outcome. 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 3.43 (P/E × margin). 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 $3.48 (price ÷ EPS = P/E 9.6). 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 35.6% (fiscal year 2023). 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 51.1% (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 +7.4% 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 +9.5% versus a year earlier. How much earnings per share grew versus a year earlier.
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Sep 24, 2026