Financial Comparison: Affinity Bancshares (AFBI) vs. The Competition

Affinity Bancshares (NASDAQ:AFBI) is one of 919 public companies in the “Banks” industry, but how does it contrast to its peers? We will compare Affinity Bancshares to related companies based on the strength of its institutional ownership, valuation, risk, dividends, earnings, profitability and analyst recommendations.

Valuation and Earnings

This table compares Affinity Bancshares and its peers revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Affinity Bancshares	$33.36 million	$8.33 million	16.79
Affinity Bancshares Competitors	$37.93 billion	$2.42 billion	21.02

Affinity Bancshares’ peers have higher revenue and earnings than Affinity Bancshares. Affinity Bancshares is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a summary of recent ratings and target prices for Affinity Bancshares and its peers, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affinity Bancshares	0	0	1	0	3.00
Affinity Bancshares Competitors	7503	30277	27877	1492	2.35

As a group, “Banks” companies have a potential upside of 14.42%. Given Affinity Bancshares’ peers higher probable upside, analysts clearly believe Affinity Bancshares has less favorable growth aspects than its peers.

Institutional & Insider Ownership

39.3% of Affinity Bancshares shares are owned by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are owned by institutional investors. 12.3% of Affinity Bancshares shares are owned by company insiders. Comparatively, 9.7% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

This table compares Affinity Bancshares and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Affinity Bancshares	16.50%	7.51%	1.04%
Affinity Bancshares Competitors	15.66%	9.47%	0.93%

Volatility and Risk

Affinity Bancshares has a beta of 0.13, meaning that its stock price is 87% less volatile than the S&P 500. Comparatively, Affinity Bancshares’ peers have a beta of 0.62, meaning that their average stock price is 38% less volatile than the S&P 500.

Summary

Affinity Bancshares peers beat Affinity Bancshares on 8 of the 13 factors compared.

About Affinity Bancshares

Affinity Bancshares, Inc. is the bank holding company for Affinity Bank, a community bank headquartered in Georgia. The bank provides banking services to businesses, professionals and individual customers, with a focus on serving communities in the greater Atlanta area and surrounding parts of the state. Affinity Bank offers deposit accounts and lending products, including commercial real estate and business loans. Its services also include cash management and other banking services designed to support business customers, alongside personal banking options.