Colony Bankcorp (NYSE:CBAN – Get Free Report) and Affinity Bancshares (NASDAQ:AFBI – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, earnings, risk, valuation and profitability.
Earnings and Valuation
This table compares Colony Bankcorp and Affinity Bancshares”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Colony Bankcorp | $190.23 million | 2.15 | $28.25 million | $1.60 | 12.09 |
| Affinity Bancshares | $52.93 million | 2.58 | $8.33 million | $1.37 | 16.39 |
Volatility and Risk
Colony Bankcorp has a beta of 0.56, indicating that its share price is 44% less volatile than the S&P 500. Comparatively, Affinity Bancshares has a beta of 0.13, indicating that its share price is 87% less volatile than the S&P 500.
Insider & Institutional Ownership
50.4% of Colony Bankcorp shares are held by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are held by institutional investors. 3.9% of Colony Bankcorp shares are held by insiders. Comparatively, 12.4% of Affinity Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Analyst Ratings
This is a breakdown of current recommendations for Colony Bankcorp and Affinity Bancshares, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Colony Bankcorp | 0 | 0 | 3 | 1 | 3.25 |
| Affinity Bancshares | 0 | 0 | 1 | 0 | 3.00 |
Colony Bankcorp presently has a consensus target price of $23.00, indicating a potential upside of 18.93%. Given Colony Bankcorp’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Colony Bankcorp is more favorable than Affinity Bancshares.
Profitability
This table compares Colony Bankcorp and Affinity Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Colony Bankcorp | 14.83% | 10.23% | 1.01% |
| Affinity Bancshares | 16.50% | 7.51% | 1.04% |
Summary
Colony Bankcorp beats Affinity Bancshares on 10 of the 15 factors compared between the two stocks.
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.
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.
Receive News & Ratings for Colony Bankcorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Colony Bankcorp and related companies with MarketBeat.com's FREE daily email newsletter.
