Community Capital Bancshares (Community Capital Bancshares) Debt-to-Equity : 0.34 (As of Dec. 2023)

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What is Community Capital Bancshares Debt-to-Equity?

Community Capital Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.00 Mil. Community Capital Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $8.53 Mil. Community Capital Bancshares's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $24.80 Mil. Community Capital Bancshares's debt to equity for the quarter that ended in Dec. 2023 was 0.34.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

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

ALBY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.34 Med: 0.94 Max: 1.39
Current: 0.34

During the past 13 years, the highest Debt-to-Equity Ratio of Community Capital Bancshares was 1.39. The lowest was 0.34. And the median was 0.94.

ALBY's Debt-to-Equity is ranked better than
69.23% of 1394 companies
in the Banks industry
Industry Median: 0.65 vs ALBY: 0.34

Community Capital Bancshares Debt-to-Equity Historical Data

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

* Premium members only.

Community Capital Bancshares Debt-to-Equity Chart

Community Capital Bancshares Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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1.39

1.12

0.87

0.43

0.34

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
Debt-to-Equity	Get a 7-Day Free Trial															0.43	-	N/A	N/A	0.34

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

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

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

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

Community Capital Bancshares Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	8.53)	/	24.8
	=	0.34

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	8.53)	/	24.8
	=	0.34

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

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Community Capital Bancshares Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Community Capital Bancshares's Debt-to-Equity 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 » Debt-to-Equity

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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