ALBY (Community Capital Bancshares) Effective Interest Rate on Debt %: 169.94% (As of Dec. 2023)


ALBY Community Capital Bancshares Inc ALBY
12 GF Score
Price $32.33
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What is Community Capital Bancshares Effective Interest Rate on Debt %?

Community Capital Bancshares ALBY +5.45% 12 Effective Interest Rate on Debt % is 169.94% as of Dec. 2023. GuruFocus rates ALBY with a GF Score™ of 12/100.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Community Capital Bancshares's annualized positive value of Interest Expense for the quarter that ended in Dec. 2023 was $14.50 Mil. Community Capital Bancshares's average total debt for the quarter that ended in Dec. 2023 was $8.53 Mil. Therefore, Community Capital Bancshares's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2023 was 169.94%.

Community Capital Bancshares  (OTCPK:ALBY) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Community Capital Bancshares Effective Interest Rate on Debt % Related Terms

Community Capital Bancshares Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Community Capital Bancshares's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Community Capital Bancshares Effective Interest Rate on Debt % Chart

Community Capital Bancshares Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.73 6.05 4.91 7.82 42.98

Community Capital Bancshares Quarterly Data
Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Sep20 Dec20 Mar21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 48.26 0.00 0.00 0.00 169.94

ALBY vs PNBI, MBBC, BCCB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Community Capital Bancshares's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Community Capital Bancshares Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Community Capital Bancshares's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Community Capital Bancshares's Effective Interest Rate on Debt % falls into.


ALBY
12GF Score
Community Capital Bancshares Inc ALBY
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Capital Bancshares Effective Interest Rate on Debt % Calculation

Community Capital Bancshares's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2023 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2022 )+Total Debt  (A: Dec. 2023 ))/ count )
=-1  *  -3.623/( (8.33+8.53)/ 2 )
=-1  *  -3.623/8.43
=42.98 %

where

Total Debt  (A: Dec. 2022 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.33 + 0
=8.33

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.53 + 0
=8.53

Community Capital Bancshares's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2023 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2023 )+Total Debt  (Q: Dec. 2023 ))/ count )
=-1  *  -14.496/( (0+8.53)/ 1 )
=-1  *  -14.496/8.53
=169.94 %

where

Total Debt  (Q: Sep. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Total Debt  (Q: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.53 + 0
=8.53

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2023) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 169.94% mean?
Community Capital Bancshares (ALBY) has a Effective Interest Rate on Debt % of 169.94% as of Dec. 2023. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Community Capital Bancshares and its competitors.
Is Community Capital Bancshares' Effective Interest Rate on Debt % too high?
Community Capital Bancshares' current Effective Interest Rate on Debt % is 169.94%. Overall, Community Capital Bancshares has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Community Capital Bancshares' Effective Interest Rate on Debt % compare to PNBI and MBBC?
Community Capital Bancshares' Effective Interest Rate on Debt % of 169.94% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Community Capital Bancshares and its competitors. Community Capital Bancshares's current Effective Interest Rate on Debt % is 169.94%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Capital Bancshares stock overvalued right now?
Community Capital Bancshares (ALBY) has a current Effective Interest Rate on Debt % of 169.94%. The current Effective Interest Rate on Debt % is 169.94%. Community Capital Bancshares' overall GF Score™ is 12/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Community Capital Bancshares (ALBY), the current Effective Interest Rate on Debt % is 169.94% as of Dec. 2023. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Community Capital Bancshares Business Description

Address 2815 Meredyth Drive, P.O. Drawer 71269, Albany, GA, USA, 31707
Community Capital Bancshares Inc is a bank holding company. The Bank provides a full range of banking services to individual and corporate customers in its primary market area of Dougherty County, Georgia.
12GF Score

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