The historical rank and industry rank for Community Capital Bancshares's ROE % or its related term are showing as below:
ALBY's ROE % is not ranked *
in the Banks industry.
Industry Median: 10.22 * Ranked among companies with meaningful ROE % only.
Community Capital Bancshares (OTCPK:ALBY) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2023) net income data. The Revenue data used here is four times the quarterly (Dec. 2023) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Community Capital Bancshares ROE % Related Terms
Community Capital Bancshares ROE % Historical Data
* 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.
For the Banks - Regional subindustry, Community Capital Bancshares's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Community Capital Bancshares's ROE % distribution charts can be found below:
* The bar in red indicates where Community Capital Bancshares's ROE % falls into.
* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2023) net income data.
ROE % is displayed in the 30-year financial page.
Community Capital Bancshares (ALBY) has a ROE % of 14.74% as of Dec. 2023. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Community Capital Bancshares and its competitors.
Is Community Capital Bancshares' ROE % too high?
Community Capital Bancshares' current ROE % is 14.74%. The Banks industry median ROE % is 10.22. Community Capital Bancshares' value of 14.74% is 44.2% above this industry median. 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' ROE % compare to PNBI and MBBC?
Community Capital Bancshares' ROE % of 14.74% can be compared against companies in the Banks industry. The industry median ROE % is 10.22. Community Capital Bancshares' value of 14.74% is 44.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Capital Bancshares's current ROE % of 14.74% is 44.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Community Capital Bancshares and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Capital Bancshares's current ROE % is 14.74%. 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 ROE % of 14.74%. The current ROE % is 14.74% and 44.2% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Community Capital Bancshares (ALBY), the current ROE % is 14.74% 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 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.
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