Affinity Bancshares (AFBI) versus Its Competitors Head-To-Head Comparison

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

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Affinity Bancshares and its rivals, 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	7494	30254	27863	1490	2.35

As a group, “Banks” companies have a potential upside of 14.57%. Given Affinity Bancshares’ rivals higher probable upside, analysts clearly believe Affinity Bancshares has less favorable growth aspects than its rivals.

Risk and Volatility

Affinity Bancshares has a beta of 0.13, suggesting that its stock price is 87% less volatile than the S&P 500. Comparatively, Affinity Bancshares’ rivals have a beta of 0.61, suggesting that their average stock price is 39% less volatile than the S&P 500.

Insider and Institutional 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, endowments and hedge funds believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Affinity Bancshares and its rivals top-line 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	$9.95 billion	$2.42 billion	21.05

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

Profitability

This table compares Affinity Bancshares and its rivals’ 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	15.62%	9.43%	0.93%

Summary

Affinity Bancshares rivals 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.