Community Capital Bancshares (ALBY) Ratios

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Community Capital Bancshares Ratios

ALBY's free cash flow for Q4 2025 was $1.00. For the 2025 fiscal year, ALBY's free cash flow was decreased by $ and operating cash flow was $0.55. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	6.23	140.09	0.72	0.19	0.19
Quick Ratio	6.23	140.09	0.72	0.19	0.19
Cash Ratio	2.81	2.81	<0.01	0.10	0.11
Solvency Ratio	0.02	0.02	0.02	0.02	0.01
Operating Cash Flow Ratio	0.00	17.21	0.04	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	17.21	4.68	0.00	3.27
Net Current Asset Value	$ -246.78M	$ -205.64M	$ -165.58M	$ -185.06M	$ -191.46M
Leverage Ratios
Debt-to-Assets Ratio	0.01	0.01	0.02	0.03	0.04
Debt-to-Equity Ratio	0.13	0.13	0.23	0.34	0.43
Debt-to-Capital Ratio	0.11	0.11	0.18	0.26	0.30
Long-Term Debt-to-Capital Ratio	0.11	0.11	0.16	0.26	0.27
Financial Leverage Ratio	8.95	8.95	9.43	10.08	11.63
Debt Service Coverage Ratio	16.64	15.95	0.85	1.16	1.36
Interest Coverage Ratio	0.00	0.00	2.76	1.48	3.62
Debt to Market Cap	0.09	0.11	0.23	0.38	0.53
Interest Debt Per Share	3.10	3.12	8.37	9.50	8.28
Net Debt to EBITDA	0.48	0.50	0.94	-2.26	-4.26
Profitability Margins
Gross Profit Margin	100.00%	100.00%	73.31%	75.85%	88.39%
EBIT Margin	50.78%	50.45%	35.25%	35.55%	35.03%
EBITDA Margin	50.78%	50.45%	35.25%	36.52%	36.53%
Operating Profit Margin	50.78%	50.45%	73.31%	35.55%	35.03%
Pretax Profit Margin	50.78%	50.45%	35.25%	35.55%	35.03%
Net Profit Margin	38.85%	38.66%	27.33%	27.05%	27.07%
Continuous Operations Profit Margin	38.85%	38.66%	27.33%	27.05%	27.07%
Net Income Per EBT	76.51%	76.62%	77.52%	76.09%	77.27%
EBT Per EBIT	100.00%	100.00%	48.08%	100.00%	100.00%
Return on Assets (ROA)	1.83%	1.75%	1.65%	1.63%	1.09%
Return on Equity (ROE)	16.36%	15.68%	15.57%	16.40%	12.71%
Return on Capital Employed (ROCE)	2.39%	2.29%	7.23%	15.26%	12.13%
Return on Invested Capital (ROIC)	1.83%	1.75%	4.84%	11.61%	9.02%
Return on Tangible Assets	1.83%	1.75%	1.65%	1.63%	1.09%
Earnings Yield	11.56%	12.94%	16.22%	18.19%	15.58%
Efficiency Ratios
Receivables Turnover	12.50	12.04	18.84	16.17	10.96
Payables Turnover	0.00	0.00	0.00	34.75	78.29
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.66	4.49	6.97	6.45	4.44
Asset Turnover	0.05	0.05	0.06	0.06	0.04
Working Capital Turnover Ratio	0.00	1.85	-0.16	-0.08	-0.06
Cash Conversion Cycle	29.20	30.32	19.38	12.07	28.63
Days of Sales Outstanding	29.20	30.32	19.38	22.57	33.29
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	10.50	4.66
Operating Cycle	29.20	30.32	19.38	22.57	33.29
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	4.08	3.24	3.96	3.04
Free Cash Flow Per Share	0.00	3.57	3.07	3.85	2.87
CapEx Per Share	0.00	0.51	0.18	0.11	0.17
Free Cash Flow to Operating Cash Flow	0.00	0.87	0.95	0.97	0.95
Dividend Paid and CapEx Coverage Ratio	0.00	1.62	3.50	4.61	6.50
Capital Expenditure Coverage Ratio	0.00	7.94	18.37	36.32	18.19
Operating Cash Flow Coverage Ratio	0.00	1.31	0.65	0.59	0.41
Operating Cash Flow to Sales Ratio	0.00	0.42	0.26	0.34	0.37
Free Cash Flow Yield	0.00%	12.20%	14.37%	22.01%	20.21%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.63	7.74	6.17	5.50	6.42
Price-to-Sales (P/S) Ratio	3.29	2.99	1.68	1.49	1.74
Price-to-Book (P/B) Ratio	1.42	1.21	0.96	0.90	0.82
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	8.20	6.96	4.54	4.95
Price-to-Operating Cash Flow Ratio	0.00	7.16	6.58	4.42	4.68
Price-to-Earnings Growth (PEG) Ratio	0.83	0.84	0.70	0.13	0.16
Enterprise Value Multiple	6.95	6.42	5.72	1.81	0.50
Enterprise Value	46.44M	41.07M	32.82M	9.95M	1.89M
EV to EBITDA	6.95	6.42	5.72	1.81	0.50
EV to Sales	3.53	3.24	2.02	0.66	0.18
EV to Free Cash Flow	0.00	8.88	8.33	2.02	0.52
EV to Operating Cash Flow	0.00	7.77	7.87	1.97	0.49
Tangible Book Value Per Share	24.01	24.13	22.24	19.39	17.41
Shareholders’ Equity Per Share	24.01	24.13	22.24	19.39	17.41
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.22	0.24	0.23
Revenue Per Share	10.11	9.79	12.67	11.75	8.18
Net Income Per Share	3.93	3.78	3.46	3.18	2.21
Tax Burden	0.77	0.77	0.78	0.76	0.77
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.24	0.25	0.34
Stock-Based Compensation to Revenue	0.00	0.00	0.00	<0.01	<0.01
Income Quality	0.00	1.08	0.94	1.24	1.37

Currency in USD