Community Capital Bancshares (OTCMKTS:ALBY) vs. Peoples Bancorp of North Carolina (NASDAQ:PEBK) Head to Head Analysis

Peoples Bancorp of North Carolina (NASDAQ:PEBK) and Community Capital Bancshares (OTCMKTS:ALBY) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, dividends, institutional ownership and risk.

Volatility and Risk

Peoples Bancorp of North Carolina has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500. Comparatively, Community Capital Bancshares has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500.

Institutional and Insider Ownership

43.8% of Peoples Bancorp of North Carolina shares are owned by institutional investors. 14.5% of Peoples Bancorp of North Carolina shares are owned by insiders. Comparatively, 42.4% of Community Capital Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Peoples Bancorp of North Carolina and Community Capital Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Peoples Bancorp of North Carolina	17.22%	13.07%	1.16%
Community Capital Bancshares	N/A	N/A	N/A

Valuation and Earnings

This table compares Peoples Bancorp of North Carolina and Community Capital Bancshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Peoples Bancorp of North Carolina	$114.60 million	1.91	$19.83 million	$3.63	11.06
Community Capital Bancshares	$15.03 million	2.82	$4.90 million	$3.85	8.48

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.

Dividends

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 an annual dividend of $2.00 per share and has a dividend yield of 6.1%. Peoples Bancorp of North Carolina pays out 23.1% of its earnings in the form of a dividend. Community Capital Bancshares pays out 51.9% 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.

Analyst Ratings

This is a summary of recent ratings for Peoples Bancorp of North Carolina and Community Capital Bancshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Peoples Bancorp of North Carolina	0	0	1	0	3.00
Community Capital Bancshares	0	0	0	0	0.00

Summary

Peoples Bancorp of North Carolina beats Community Capital Bancshares on 11 of the 16 factors compared between the two stocks.

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.

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.