Risk and Volatility
Affinity Bancshares has a beta of 0.31, suggesting that its stock price is 69% less volatile than the S&P 500. Comparatively, Prime Meridian has a beta of 0.16, suggesting that its stock price is 84% less volatile than the S&P 500.
Profitability
This table compares Affinity Bancshares and Prime Meridian’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Affinity Bancshares | 11.69% | 5.02% | 0.72% |
| Prime Meridian | 16.75% | 9.93% | 0.94% |
Earnings & Valuation
This table compares Affinity Bancshares and Prime Meridian”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Affinity Bancshares | $49.99 million | 2.33 | $5.44 million | $0.90 | 20.47 |
| Prime Meridian | $50.36 million | 3.25 | $8.49 million | $2.61 | 18.59 |
Prime Meridian has higher revenue and earnings than Affinity Bancshares. Prime Meridian is trading at a lower price-to-earnings ratio than Affinity Bancshares, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
39.3% of Affinity Bancshares shares are held by institutional investors. Comparatively, 11.8% of Prime Meridian shares are held by institutional investors. 12.4% of Affinity Bancshares shares are held by insiders. Comparatively, 25.9% of Prime Meridian shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Summary
Prime Meridian 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 Prime Meridian
Prime Meridian Holding Company operates as the bank holding company for Prime Meridian Bank that provides various consumer and commercial banking services to individuals and businesses. The company accepts various deposits, such as checking, money market, savings, term certificate of deposit, demand interest-bearing and noninterest-bearing, health savings, NOW, and escrow accounts, as well as retirement savings plans and time deposits. Its loan products include commercial real estate, residential real estate and home equity, small business administration, construction, equipment, and commercial loans; and consumer and other loans comprising financing of automobiles, boats, and recreational vehicles, as well as issues standby letters and business lines of credit. The company also offers debit and credit cards; mobile banking, remote and mobile deposit, Apple Pay, bank-to-bank transfer, and online banking services; and safe deposit, wire transfer, foreign exchange, direct deposits, notary, night depository, official checks, domestic collections, bank drafts, automated teller services, drive-in tellers, merchant card, and banking by mail services, as well as invests in securities. Prime Meridian Holding Company was founded in 2008 and is headquartered in Tallahassee, Florida.
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