Affinity Bancshares (NASDAQ:AFBI – Get Free Report) and Colony Bankcorp (NYSE:CBAN – Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, earnings, valuation, profitability and institutional ownership.
Volatility and Risk
Affinity Bancshares has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, Colony Bankcorp has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current ratings and price targets for Affinity Bancshares and Colony Bankcorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Affinity Bancshares | 0 | 0 | 1 | 0 | 3.00 |
| Colony Bankcorp | 0 | 0 | 3 | 1 | 3.25 |
Valuation & Earnings
This table compares Affinity Bancshares and Colony Bankcorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Affinity Bancshares | $52.93 million | 2.58 | $8.33 million | $1.37 | 16.40 |
| Colony Bankcorp | $190.23 million | 2.16 | $28.25 million | $1.60 | 12.11 |
Colony Bankcorp has higher revenue and earnings than Affinity Bancshares. Colony Bankcorp is trading at a lower price-to-earnings ratio than Affinity Bancshares, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Affinity Bancshares and Colony Bankcorp’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% |
| Colony Bankcorp | 14.83% | 10.23% | 1.01% |
Insider & Institutional Ownership
39.3% of Affinity Bancshares shares are owned by institutional investors. Comparatively, 50.4% of Colony Bankcorp shares are owned by institutional investors. 12.4% of Affinity Bancshares shares are owned by insiders. Comparatively, 6.6% of Colony Bankcorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Summary
Colony Bankcorp beats Affinity Bancshares on 10 of the 15 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 Colony Bankcorp
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the company offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of January 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.
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