NB Bancorp (NASDAQ:NBBK – Get Free Report) and Affinity Bancshares (NASDAQ:AFBI – Get Free Report) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, earnings, profitability, analyst recommendations, institutional ownership, valuation and dividends.
Institutional and Insider Ownership
39.3% of Affinity Bancshares shares are owned by institutional investors. 1.7% of NB Bancorp shares are owned by company insiders. Comparatively, 10.8% of Affinity Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Earnings and Valuation
This table compares NB Bancorp and Affinity Bancshares”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NB Bancorp | $163.52 million | 4.66 | $9.82 million | N/A | N/A |
| Affinity Bancshares | $30.90 million | 3.74 | $6.45 million | $0.85 | 21.18 |
Profitability
This table compares NB Bancorp and Affinity Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NB Bancorp | 4.47% | 2.40% | 0.38% |
| Affinity Bancshares | 11.38% | 4.50% | 0.65% |
Analyst Ratings
This is a summary of recent ratings and price targets for NB Bancorp and Affinity Bancshares, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NB Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| Affinity Bancshares | 0 | 0 | 0 | 0 | 0.00 |
NB Bancorp presently has a consensus target price of $22.00, suggesting a potential upside of 23.39%. Given NB Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe NB Bancorp is more favorable than Affinity Bancshares.
Summary
NB Bancorp beats Affinity Bancshares on 6 of the 11 factors compared between the two stocks.
About NB Bancorp
NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.
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.
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