Community Capital Bancshares (OTCMKTS:ALBY – Get Free Report) and Peoples Bancorp of North Carolina (NASDAQ:PEBK – Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, profitability, institutional ownership, risk, valuation, earnings and dividends.
Volatility & Risk
Community Capital Bancshares has a beta of 0.43, indicating that its stock price is 57% less volatile than the S&P 500. Comparatively, Peoples Bancorp of North Carolina has a beta of 0.28, indicating that its stock price is 72% less volatile than the S&P 500.
Dividends
Community Capital Bancshares pays an annual dividend of $2.00 per share and has a dividend yield of 6.1%. Peoples Bancorp of North Carolina pays an annual dividend of $0.84 per share and has a dividend yield of 2.1%. Community Capital Bancshares pays out 51.9% of its earnings in the form of a dividend. Peoples Bancorp of North Carolina pays out 23.1% 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. Peoples Bancorp of North Carolina has increased its dividend for 1 consecutive years.
Institutional & Insider Ownership
Profitability
This table compares Community Capital Bancshares and Peoples Bancorp of North Carolina’s 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 |
| Peoples Bancorp of North Carolina | 17.22% | 13.07% | 1.16% |
Analyst Recommendations
This is a summary of current ratings for Community Capital Bancshares and Peoples Bancorp of North Carolina, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Community Capital Bancshares | 0 | 0 | 0 | 0 | 0.00 |
| Peoples Bancorp of North Carolina | 0 | 0 | 1 | 0 | 3.00 |
Earnings and Valuation
This table compares Community Capital Bancshares and Peoples Bancorp of North Carolina”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 | 2.82 | $4.90 million | $3.85 | 8.48 |
| Peoples Bancorp of North Carolina | $114.60 million | 1.93 | $19.83 million | $3.63 | 11.13 |
Peoples Bancorp of North Carolina has higher revenue and earnings than Community Capital Bancshares. Community Capital Bancshares is trading at a lower price-to-earnings ratio than Peoples Bancorp of North Carolina, indicating that it is currently the more affordable of the two stocks.
Summary
Peoples Bancorp of North Carolina beats Community Capital Bancshares on 11 of the 16 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 Peoples Bancorp of North Carolina
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses. It offers checking, savings, money market, and retirement accounts; certificates of deposits; and credit and debit cards. The company also originates commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans; and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
Receive News & Ratings for Community Capital Bancshares Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Community Capital Bancshares and related companies with MarketBeat.com's FREE daily email newsletter.
