Contrasting Lyons Bancorp (OTCMKTS:LYBC) & Community Capital Bancshares (OTCMKTS:ALBY)

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

Analyst Ratings

This is a summary of current recommendations for Community Capital Bancshares and Lyons Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Capital Bancshares	0	0	0	0	N/A
Lyons Bancorp	0	0	0	0	N/A

Profitability

This table compares Community Capital Bancshares and Lyons Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Capital Bancshares	N/A	N/A	N/A
Lyons Bancorp	N/A	N/A	N/A

Risk and Volatility

Community Capital Bancshares has a beta of 0.55, indicating that its stock price is 45% less volatile than the S&P 500. Comparatively, Lyons Bancorp has a beta of -0.07, indicating that its stock price is 107% less volatile than the S&P 500.

Earnings and Valuation

This table compares Community Capital Bancshares and Lyons Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Capital Bancshares	$15.03 million	1.69	$4.07 million	$3.12	6.33
Lyons Bancorp	$70.28 million	1.94	$17.35 million	$4.45	9.10

Lyons Bancorp has higher revenue and earnings than Community Capital Bancshares. Community Capital Bancshares is trading at a lower price-to-earnings ratio than Lyons Bancorp, indicating that it is currently the more affordable of the two stocks.

Dividends

Community Capital Bancshares pays an annual dividend of $0.75 per share and has a dividend yield of 3.8%. Lyons Bancorp pays an annual dividend of $1.60 per share and has a dividend yield of 4.0%. Community Capital Bancshares pays out 24.0% of its earnings in the form of a dividend. Lyons Bancorp pays out 36.0% 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.

Institutional and Insider Ownership

0.3% of Lyons Bancorp shares are held by institutional investors. 42.4% of Community Capital Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

Lyons Bancorp beats Community Capital Bancshares on 7 of the 10 factors compared between the two stocks.

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.

About Lyons Bancorp

Lyons Bancorp Inc. operates as a financial holding company for The Lyons National Bank that provides a range of commercial and retail banking services to individual and small business customers. It offers checking accounts, savings accounts, individual retirement accounts, and certificates of deposit; commercial real estate, agricultural real estate, commercial and agricultural, and consumer instalment loans; and residential real estate loans, such as classes for 1-4 family and home equity loans, as well as consumer loans comprising recreational, auto, personal, personal line of credit, and home improvement loans; financial services, including retirement strategy, investment management, education savings, life insurance, long-term care insurance, and employer and employee benefit services. The company also provides mortgage, online and mobile banking, telephone banking, credit and debit card, online cash management, merchant, safe deposit boxes, wire transfer, traveller program, online bill pay, e-statements, money orders, and official checks services. It operates branches in Wayne, Onondaga, Yates, Ontario, Monroe, Seneca, and Cayuga counties, New York. The company was founded in 1852 and is headquartered in Lyons, New York.