Affinity Bancshares (NASDAQ:AFBI – Get Free Report) and First Bancorp, Inc (ME) (NASDAQ:FNLC – Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their dividends, institutional ownership, earnings, analyst recommendations, risk, profitability and valuation.
Institutional and Insider Ownership
39.3% of Affinity Bancshares shares are owned by institutional investors. Comparatively, 40.4% of First Bancorp, Inc (ME) shares are owned by institutional investors. 12.3% of Affinity Bancshares shares are owned by company insiders. Comparatively, 5.1% of First Bancorp, Inc (ME) shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Risk & Volatility
Affinity Bancshares has a beta of 0.13, indicating that its stock price is 87% less volatile than the S&P 500. Comparatively, First Bancorp, Inc (ME) has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500.
Earnings & Valuation
This table compares Affinity Bancshares and First Bancorp, Inc (ME)”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Affinity Bancshares | $33.36 million | 4.20 | $8.33 million | $1.37 | 16.79 |
| First Bancorp, Inc (ME) | $177.61 million | 2.30 | $34.39 million | $3.37 | 10.73 |
First Bancorp, Inc (ME) has higher revenue and earnings than Affinity Bancshares. First Bancorp, Inc (ME) is trading at a lower price-to-earnings ratio than Affinity Bancshares, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of current ratings and target prices for Affinity Bancshares and First Bancorp, Inc (ME), as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Affinity Bancshares | 0 | 0 | 1 | 0 | 3.00 |
| First Bancorp, Inc (ME) | 0 | 0 | 1 | 0 | 3.00 |
Profitability
This table compares Affinity Bancshares and First Bancorp, Inc (ME)’s 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% |
| First Bancorp, Inc (ME) | 22.21% | 13.70% | 1.23% |
Summary
First Bancorp, Inc (ME) beats Affinity Bancshares on 8 of the 11 factors compared between the two stocks.
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.
About First Bancorp, Inc (ME)
The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans comprising commercial real estate owner occupied, such as mortgage loans to finance investments in real property such as retail space, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loan for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and residential real estate construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, the company offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations and municipalities; and brokerage, annuity, and various insurance products, as well as payment processing services. It operates through full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.
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