Dime Community Bancshares (NASDAQ:DCOM) & Community Capital Bancshares (OTCMKTS:ALBY) Head-To-Head Survey

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

Risk & Volatility

Dime Community Bancshares has a beta of 1.05, indicating that its share price is 5% more volatile than the S&P 500. Comparatively, Community Capital Bancshares has a beta of 0.43, indicating that its share price is 57% less volatile than the S&P 500.

Insider and Institutional Ownership

75.3% of Dime Community Bancshares shares are held by institutional investors. 7.1% of Dime Community Bancshares shares are held by insiders. Comparatively, 42.4% of Community Capital Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of current ratings and price targets for Dime Community Bancshares and Community Capital Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Dime Community Bancshares	0	2	3	1	2.83
Community Capital Bancshares	0	0	0	0	0.00

Dime Community Bancshares currently has a consensus target price of $38.00, suggesting a potential upside of 1.91%. Given Dime Community Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Dime Community Bancshares is more favorable than Community Capital Bancshares.

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Dime Community Bancshares	$452.93 million	3.61	$110.68 million	$2.36	15.80
Community Capital Bancshares	$15.03 million	2.59	$4.90 million	$3.78	7.94

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

Dividends

Dime Community Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 2.7%. Community Capital Bancshares pays an annual dividend of $2.00 per share and has a dividend yield of 6.7%. Dime Community Bancshares pays out 42.4% of its earnings in the form of a dividend. Community Capital Bancshares pays out 52.9% 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. Dime Community Bancshares has increased its dividend for 2 consecutive years.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Dime Community Bancshares	15.15%	9.12%	0.83%
Community Capital Bancshares	N/A	N/A	N/A

Summary

Dime Community Bancshares beats Community Capital Bancshares on 15 of the 18 factors compared between the two stocks.

About Dime Community Bancshares

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. The company accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. It also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, the company invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, it offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. The company was founded in 1910 and is headquartered in Hauppauge, New York.

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.