Reviewing Guaranty Bancshares (NASDAQ:GNTY) & Community Capital Bancshares (OTCMKTS:ALBY)

Guaranty Bancshares (NASDAQ:GNTYGet Free Report) and Community Capital Bancshares (OTCMKTS:ALBYGet Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, earnings, dividends, institutional ownership, profitability and analyst recommendations.

Dividends

Guaranty Bancshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.2%. Community Capital Bancshares pays an annual dividend of $0.75 per share and has a dividend yield of 4.1%. Guaranty Bancshares pays out 36.1% of its earnings in the form of a dividend.

Analyst Recommendations

This is a breakdown of current ratings for Guaranty Bancshares and Community Capital Bancshares, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Guaranty Bancshares 0 0 1 0 3.00
Community Capital Bancshares 0 0 0 0 N/A

Guaranty Bancshares currently has a consensus price target of $31.75, suggesting a potential upside of 10.43%. Given Guaranty Bancshares’ higher probable upside, equities analysts plainly believe Guaranty Bancshares is more favorable than Community Capital Bancshares.

Earnings & Valuation

This table compares Guaranty Bancshares and Community Capital Bancshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Guaranty Bancshares $179.01 million 1.85 $30.04 million $2.55 11.27
Community Capital Bancshares N/A N/A N/A N/A N/A

Guaranty Bancshares has higher revenue and earnings than Community Capital Bancshares.

Insider and Institutional Ownership

23.3% of Guaranty Bancshares shares are owned by institutional investors. 25.0% of Guaranty Bancshares shares are owned by insiders. Comparatively, 42.4% of Community Capital Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Volatility and Risk

Guaranty Bancshares has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500. Comparatively, Community Capital Bancshares has a beta of 0.48, suggesting that its stock price is 52% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
Guaranty Bancshares 16.79% 9.92% 0.91%
Community Capital Bancshares N/A N/A N/A

Summary

Guaranty Bancshares beats Community Capital Bancshares on 8 of the 11 factors compared between the two stocks.

About Guaranty Bancshares

(Get Free Report)

Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A. that provides a range of commercial and consumer banking products and services for small- and medium-sized businesses, professionals, and individuals. The company offers checking and savings, money market, and business accounts, as well as certificates of deposit; and commercial and industrial, construction and development, 1-4 family residential, commercial real estate, farmland, agricultural, multi-family residential, and consumer loans. It also provides trustee, custodial and escrow, investment management, retirement plan, ATM, night depository, direct deposit, and cashier's check services, as well as online and mobile banking services; debit cards; letters of credit; and treasury management services, including wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. The company was founded in 1913 and is headquartered in Addison, Texas.

About Community Capital Bancshares

(Get Free Report)

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.

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