Community Capital Bancshares (Community Capital Bancshares) Cash-to-Debt : 2.46 (As of Dec. 2023)

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What is Community Capital Bancshares Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Community Capital Bancshares's cash to debt ratio for the quarter that ended in Dec. 2023 was 2.46.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Community Capital Bancshares could pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

The historical rank and industry rank for Community Capital Bancshares's Cash-to-Debt or its related term are showing as below:

ALBY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.6 Med: 1.84 Max: 4.68
Current: 2.46

During the past 13 years, Community Capital Bancshares's highest Cash to Debt Ratio was 4.68. The lowest was 0.60. And the median was 1.84.

ALBY's Cash-to-Debt is ranked better than
67.18% of 1432 companies
in the Banks industry
Industry Median: 1.3 vs ALBY: 2.46

Community Capital Bancshares Cash-to-Debt Historical Data

The historical data trend for Community Capital Bancshares's Cash-to-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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Community Capital Bancshares Cash-to-Debt Chart

Community Capital Bancshares Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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1.14

4.68

4.43

2.70

2.46

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
Cash-to-Debt	Get a 7-Day Free Trial															2.70	N/A	N/A	N/A	2.46

Competitive Comparison of Community Capital Bancshares's Cash-to-Debt

For the Banks - Regional subindustry, Community Capital Bancshares's Cash-to-Debt, along with its competitors' market caps and Cash-to-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's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Community Capital Bancshares's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Community Capital Bancshares's Cash-to-Debt falls into.

Community Capital Bancshares Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Community Capital Bancshares's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	20.94	/	(0	+	8.53)
	=	2.45

Community Capital Bancshares's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	20.94	/	(0	+	8.53)
	=	2.45

Community Capital Bancshares (OTCPK:ALBY) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Community Capital Bancshares Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Community Capital Bancshares's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Community Capital Bancshares (Community Capital Bancshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Community Capital Bancshares Inc (OTCPK:ALBY) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

2815 Meredyth Drive, P.O. Drawer 71269, Albany, GA, USA, 31708

Website

https://www.abtgold.com

Community Capital Bancshares Inc is a bank holding company. The company offers personal and business banking services. Its services include Gold Choice Checking; Private Checking; Money Market Account; Certificate of Deposit (CD); Individual Retirement Account (IRA); Digital Wallet; Home Lending; Workplace Banking; Business Checking and others.

Executives

John Hugh Monk Jr	director, officer: President and CEO	C/O COMMUNITY CAPITAL BANCSHARES, INC., 25 MEREDYTH DRIVE, ALBANY GA 31707
Hal E Cobb	director, officer: Pres, Atlantic Bank&Trust, SC	C/O COMMUNITY CAPITAL BANCSHARES, INC., 215 MEREDYTH DRIVE, ALBANY GA 31707
Keith G Beckham	director, officer: CEO, AB&T National Bank, AL	C/O COMMUNITY CAPITAL BANCSHARES, INC., 215 MEREDYTH DRIVE, ALBANY GA 31707
Glenn A Dowling	director	2815 MEREDYTH DRIVE, ALBANY GA 31707
David C Guillebeau	officer: Executive Vice President	2815 MEREDYTH DRIVE, ALBANY GA 31707
David J Baranko	officer: Chief Financial Officer	2815 MEREDYTH DRIVE, ALBANY GA 31707
Mark M Shoemaker	director	2815 MEREDYTH DRIVE, ALBANY GA 31707
Robert M Beauchamp	director	2815 MEREDYTH DRIVE, ALBANY GA 31707
Lawrence B Wilson	director	2815 MEREDYTH DRIVE, ALBANY GA 31707
Jane Anne Sullivan	director	2815 MEREDYTH DRIVE, ALBANY GA 31707
William F Mcafee	director	2815 MEREDYTH DRIVE, ALBANY GA 31707
Mary Helen Dykes	director	2815 MEREDYTH DRIVE, ALBANY GA 31707
Bennett D Cotten	director	2815 MEREDYTH DRIVE, ALBANY GA 31707
Woods James D /ga/	director
Ventulett Jr John P	director	2815 MEREDYTH DRIVE, ALBANY GA 31707

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