Head to Head Analysis: Community Capital Bancshares (OTCMKTS:ALBY) vs. South Atlantic Bancshares (OTCMKTS:SABK)

Community Capital Bancshares (OTCMKTS:ALBY) and South Atlantic Bancshares (OTCMKTS:SABK) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, earnings, valuation, institutional ownership, analyst recommendations, dividends and profitability.

Earnings and Valuation

This table compares Community Capital Bancshares and South Atlantic Bancshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Capital Bancshares	$15.03 million	2.53	$4.90 million	$3.78	7.73
South Atlantic Bancshares	$102.25 million	1.69	$15.81 million	$2.10	10.95

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Community Capital Bancshares	N/A	N/A	N/A
South Atlantic Bancshares	N/A	N/A	N/A

Dividends

Community Capital Bancshares pays an annual dividend of $2.00 per share and has a dividend yield of 6.8%. South Atlantic Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.4%. Community Capital Bancshares pays out 52.9% of its earnings in the form of a dividend. South Atlantic Bancshares pays out 4.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Institutional and Insider Ownership

13.3% of South Atlantic Bancshares shares are held by institutional investors. 42.4% of Community Capital Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Community Capital Bancshares and South Atlantic Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Capital Bancshares	0	0	0	0	0.00
South Atlantic Bancshares	0	1	0	0	2.00

Volatility & Risk

Community Capital Bancshares has a beta of 0.47, indicating that its share price is 53% less volatile than the S&P 500. Comparatively, South Atlantic Bancshares has a beta of 0.09, indicating that its share price is 91% less volatile than the S&P 500.

Summary

South Atlantic Bancshares beats Community Capital Bancshares on 6 of the 11 factors compared between the two stocks.

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.

About South Atlantic Bancshares

South Atlantic Bancshares, Inc. operates as the bank holding company for South Atlantic Bank that provides consumer and commercial banking products and services to individuals, small businesses, and corporations in South Carolina. The company offers checking, money market, and saving accounts, as well as certificate of deposit, individual retirement, and health saving accounts; personal, auto, and recreation loans, as well as home equity and ready reserve overdraft line of credits, and commercial lending products; and credit cards. It also provides cash management and merchant card services; remote deposit capture and automated clearing house services; online, mobile, and telephone banking services; personal and business checks; mortgage products and services; and wealth management services. The company operates offices in Myrtle Beach, Carolina Forest, North Myrtle Beach, Murrells Inlet, Pawleys Island, Georgetown, Mount Pleasant, Charleston, Bluffton, Hilton Head Island, and Beaufort, South Carolina. South Atlantic Bancshares, Inc. was founded in 2007 and is headquartered in Myrtle Beach, South Carolina.