Community Capital Bancshares (ALBY) Ratios
Community Capital Bancshares Ratios
ALBY's free cash flow for Q4 2025 was $0.00. For the 2025 fiscal year, ALBY's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 140.09 | 0.72 | 0.19 | 0.19 | 0.37 |
| Quick Ratio | 140.09 | 0.72 | 0.19 | 0.19 | 0.37 |
| Cash Ratio | 2.81 | 0.01 | 0.10 | 0.11 | 0.35 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 17.21 | 0.04 | 0.02 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 17.21 | 4.68 | 0.00 | 3.27 | 0.00 |
| Net Current Asset Value | $ -205.64M | $ -165.58M | $ -185.06M | $ -191.46M | $ -156.41M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.02 | 0.03 | 0.04 | 0.07 |
| Debt-to-Equity Ratio | 0.13 | 0.23 | 0.34 | 0.43 | 0.87 |
| Debt-to-Capital Ratio | 0.11 | 0.18 | 0.26 | 0.30 | 0.46 |
| Long-Term Debt-to-Capital Ratio | 0.11 | 0.16 | 0.26 | 0.27 | 0.46 |
| Financial Leverage Ratio | 8.95 | 9.43 | 10.08 | 11.63 | 12.81 |
| Debt Service Coverage Ratio | 15.95 | 0.85 | 1.16 | 1.36 | 2.34 |
| Interest Coverage Ratio | 0.00 | 2.76 | 1.48 | 3.62 | 2.76 |
| Debt to Market Cap | 0.11 | 0.23 | 0.38 | 0.53 | 1.06 |
| Interest Debt Per Share | 3.12 | 8.37 | 9.50 | 8.28 | 14.53 |
| Net Debt to EBITDA | 0.50 | 0.94 | -2.26 | -4.26 | -22.03 |
| Profitability Margins | |||||
| Gross Profit Margin | 100.00% | 73.31% | 75.85% | 88.39% | 89.81% |
| EBIT Margin | 50.45% | 35.25% | 35.55% | 35.03% | 28.13% |
| EBITDA Margin | 50.45% | 35.25% | 36.52% | 36.53% | 30.01% |
| Operating Profit Margin | 50.45% | 73.31% | 35.55% | 35.03% | 28.13% |
| Pretax Profit Margin | 50.45% | 35.25% | 35.55% | 35.03% | 28.13% |
| Net Profit Margin | 38.66% | 27.33% | 27.05% | 27.07% | 22.03% |
| Continuous Operations Profit Margin | 38.66% | 27.33% | 27.05% | 27.07% | 22.03% |
| Net Income Per EBT | 76.62% | 77.52% | 76.09% | 77.27% | 78.30% |
| EBT Per EBIT | 100.00% | 48.08% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.75% | 1.65% | 1.63% | 1.09% | 0.77% |
| Return on Equity (ROE) | 15.68% | 15.57% | 16.40% | 12.71% | 9.90% |
| Return on Capital Employed (ROCE) | 2.29% | 7.23% | 15.26% | 12.13% | 6.64% |
| Return on Invested Capital (ROIC) | 1.75% | 4.84% | 11.61% | 9.02% | 5.20% |
| Return on Tangible Assets | 1.75% | 1.65% | 1.63% | 1.09% | 0.77% |
| Earnings Yield | 12.94% | 16.22% | 18.19% | 15.58% | 12.14% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.04 | 18.84 | 16.17 | 10.96 | 16.21 |
| Payables Turnover | 0.00 | 0.00 | 34.75 | 78.29 | 243.22 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.49 | 6.97 | 6.45 | 4.44 | 3.95 |
| Asset Turnover | 0.05 | 0.06 | 0.06 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | 1.85 | -0.16 | -0.08 | -0.06 | -0.06 |
| Cash Conversion Cycle | 30.32 | 19.38 | 12.07 | 28.63 | 21.02 |
| Days of Sales Outstanding | 30.32 | 19.38 | 22.57 | 33.29 | 22.52 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 10.50 | 4.66 | 1.50 |
| Operating Cycle | 30.32 | 19.38 | 22.57 | 33.29 | 22.52 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.08 | 3.24 | 3.96 | 3.04 | 2.14 |
| Free Cash Flow Per Share | 3.57 | 3.07 | 3.85 | 2.87 | 2.06 |
| Dividend Paid and CapEx Coverage Ratio | 1.62 | 3.50 | 4.61 | 6.50 | 24.73 |
| Capital Expenditure Coverage Ratio | 7.94 | 18.37 | 36.32 | 18.19 | 24.73 |
| Operating Cash Flow Coverage Ratio | 1.31 | 0.65 | 0.59 | 0.41 | 0.16 |
| Operating Cash Flow to Sales Ratio | 0.42 | 0.26 | 0.34 | 0.37 | 0.30 |
| Free Cash Flow Yield | 12.20% | 14.37% | 22.01% | 20.21% | 15.82% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 7.74 | 6.17 | 5.50 | 6.42 | 8.24 |
| Price-to-Sales (P/S) Ratio | 2.99 | 1.68 | 1.49 | 1.74 | 1.81 |
| Price-to-Book (P/B) Ratio | 1.21 | 0.96 | 0.90 | 0.82 | 0.82 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.20 | 6.96 | 4.54 | 4.95 | 6.32 |
| Price-to-Operating Cash Flow Ratio | 7.16 | 6.58 | 4.42 | 4.68 | 6.06 |
| Price-to-Earnings Growth (PEG) Ratio | 0.84 | 0.70 | 0.13 | 0.16 | 0.68 |
| Enterprise Value Multiple | 6.42 | 5.72 | 1.81 | 0.50 | -15.98 |
| Enterprise Value | 41.07M | 32.82M | 9.95M | 1.89M | -43.30M |
| EV to EBITDA | 6.42 | 5.72 | 1.81 | 0.50 | -15.98 |
| EV to Sales | 3.24 | 2.02 | 0.66 | 0.18 | -4.80 |
| EV to Free Cash Flow | 8.88 | 8.33 | 2.02 | 0.52 | -16.71 |
| EV to Operating Cash Flow | 7.77 | 7.87 | 1.97 | 0.49 | -16.03 |
| Tangible Book Value Per Share | 24.13 | 22.24 | 19.39 | 17.41 | 15.94 |
| Shareholders’ Equity Per Share | 24.13 | 22.24 | 19.39 | 17.41 | 15.94 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.22 | 0.24 | 0.23 | 0.22 |
| Revenue Per Share | 9.79 | 12.67 | 11.75 | 8.18 | 7.16 |
| Net Income Per Share | 3.78 | 3.46 | 3.18 | 2.21 | 1.58 |
| Tax Burden | 0.77 | 0.78 | 0.76 | 0.77 | 0.78 |
| 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 | 0.24 | 0.25 | 0.34 | 0.41 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 |
| Income Quality | 1.08 | 0.94 | 1.24 | 1.37 | 1.36 |
Currency in USD
