Customers Bancorp (NYSE:CUBI) & Community Capital Bancshares (OTCMKTS:ALBY) Head to Head Comparison

Customers Bancorp (NYSE:CUBI) and Community Capital Bancshares (OTCMKTS:ALBY) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, risk, profitability, earnings, dividends, analyst recommendations and valuation.

Risk & Volatility

Customers Bancorp has a beta of 1.55, suggesting that its stock price is 55% more volatile than the S&P 500. Comparatively, Community Capital Bancshares has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings for Customers Bancorp and Community Capital Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Customers Bancorp	0	5	3	1	2.56
Community Capital Bancshares	0	0	0	0	0.00

Customers Bancorp currently has a consensus price target of $67.00, suggesting a potential upside of 5.11%. Given Customers Bancorp’s stronger consensus rating and higher possible upside, research analysts clearly believe Customers Bancorp is more favorable than Community Capital Bancshares.

Valuation & Earnings

This table compares Customers Bancorp and Community Capital Bancshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Customers Bancorp	$655.32 million	3.07	$181.47 million	$4.04	15.78
Community Capital Bancshares	$15.03 million	2.47	$4.45 million	$3.58	7.96

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

Institutional & Insider Ownership

89.3% of Customers Bancorp shares are held by institutional investors. 8.7% of Customers Bancorp shares are held by insiders. Comparatively, 42.4% of Community Capital Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Customers Bancorp and Community Capital Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Customers Bancorp	10.77%	11.98%	0.93%
Community Capital Bancshares	N/A	N/A	N/A

Summary

Customers Bancorp beats Community Capital Bancshares on 14 of the 15 factors compared between the two stocks.

About Customers Bancorp

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. The company provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts. Its lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending and financing; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; and fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services. In addition, the company provides digital banking including Banking-as-a-Service to fintech companies, payments and treasury services to businesses, and consumer loans through fintech companies and the TassatPay, a blockchain-based instant B2B payments platform which offers instant payments including over-the-counter desks, exchanges, liquidity providers, market makers, funds, and other B2B verticals. Further, it offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services, such as account reconciliation, collections, and sweep accounts. The company was incorporated in 2010 and is headquartered in West Reading, Pennsylvania.

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.