Popular (NASDAQ:BPOP – Get Free Report) and Affinity Bancshares (NASDAQ:AFBI – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, institutional ownership, analyst recommendations, risk, valuation and profitability.
Valuation and Earnings
This table compares Popular and Affinity Bancshares”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Popular | $4.44 billion | 2.19 | $833.16 million | $13.54 | 11.12 |
| Affinity Bancshares | $52.93 million | 2.59 | $8.33 million | $1.37 | 16.42 |
Insider & Institutional Ownership
87.3% of Popular shares are owned by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are owned by institutional investors. 2.1% of Popular shares are owned by insiders. Comparatively, 12.4% of Affinity Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Analyst Ratings
This is a summary of recent ratings and recommmendations for Popular and Affinity Bancshares, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Popular | 0 | 1 | 10 | 1 | 3.00 |
| Affinity Bancshares | 0 | 0 | 1 | 0 | 3.00 |
Popular currently has a consensus price target of $168.73, indicating a potential upside of 12.11%. Given Popular’s higher possible upside, equities research analysts clearly believe Popular is more favorable than Affinity Bancshares.
Profitability
This table compares Popular and Affinity Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Popular | 20.10% | 14.53% | 1.18% |
| Affinity Bancshares | 16.50% | 7.51% | 1.04% |
Risk & Volatility
Popular has a beta of 0.63, meaning that its stock price is 37% less volatile than the S&P 500. Comparatively, Affinity Bancshares has a beta of 0.13, meaning that its stock price is 87% less volatile than the S&P 500.
Summary
Popular beats Affinity Bancshares on 11 of the 14 factors compared between the two stocks.
About Popular
Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and the British Virgin Islands. The company provides savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; and certificates of deposit. It also offers commercial and industrial, commercial multi-family, commercial real estate, and residential mortgage loans; consumer loans, including personal loans, credit cards, automobile loans, home equity lines of credit, and other loans to individual borrowers; construction loans; and lease financing comprising automobile loans/leases. In addition, the company provides investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services; debit cards; and online banking services. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.
About Affinity Bancshares
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services in Georgia. The company offers various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It offers commercial and residential real estate, commercial and industrial, residential mortgage, construction and land, and consumer loans, as well as balloon and adjustable-rate loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. Further, it operates a virtual bank under the name FitnessBank, which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. Affinity Bancshares, Inc. was founded in 1928 and is headquartered in Covington, Georgia.
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