Catalyst Bancorp (NASDAQ:CLST) & Affinity Bancshares (NASDAQ:AFBI) Head to Head Comparison

Valuation & Earnings

This table compares Catalyst Bancorp 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
Catalyst Bancorp	$10.02 million	5.45	-$3.09 million	$0.57	23.12
Affinity Bancshares	$49.99 million	2.48	$5.44 million	$1.07	18.40

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

Profitability

This table compares Catalyst Bancorp and Affinity Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Catalyst Bancorp	13.74%	2.70%	0.79%
Affinity Bancshares	13.78%	6.05%	0.85%

Risk and Volatility

Catalyst Bancorp has a beta of 0.17, indicating that its share price is 83% less volatile than the S&P 500. Comparatively, Affinity Bancshares has a beta of 0.42, indicating that its share price is 58% less volatile than the S&P 500.

Insider and Institutional Ownership

33.1% of Catalyst Bancorp shares are held by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are held by institutional investors. 8.2% of Catalyst Bancorp shares are held by insiders. Comparatively, 12.4% of Affinity Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Affinity Bancshares beats Catalyst Bancorp on 9 of the 11 factors compared between the two stocks.

About Catalyst Bancorp

Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking services to individuals and businesses in Louisiana. The company accepts various deposit products, including savings accounts, demand and NOW accounts, money market accounts, and certificates of deposit. It also offers single family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential mortgage loans, commercial and industrial loans, construction and land loans, consumer loans, and other loans. In addition, the company invests in various types of securities comprising mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. Catalyst Bancorp, Inc. was founded in 1922 and is headquartered in Opelousas, Louisiana.

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.