Affinity Bancshares (AFBI) Competitors

Guaranty Bancshares (NASDAQ:GNTY) and Affinity Bancshares (NASDAQ:AFBI) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, institutional ownership, valuation, risk, analyst recommendations, media sentiment, earnings, community ranking and dividends.

Which has more risk and volatility, GNTY or AFBI?

Guaranty Bancshares has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500. Comparatively, Affinity Bancshares has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500.

Does the media prefer GNTY or AFBI?

In the previous week, Guaranty Bancshares had 2 more articles in the media than Affinity Bancshares. MarketBeat recorded 2 mentions for Guaranty Bancshares and 0 mentions for Affinity Bancshares. Guaranty Bancshares' average media sentiment score of 1.17 beat Affinity Bancshares' score of 0.00 indicating that Guaranty Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
Guaranty Bancshares	Positive
Affinity Bancshares	Neutral

Do analysts recommend GNTY or AFBI?

Guaranty Bancshares presently has a consensus price target of $41.50, suggesting a potential upside of 0.83%. Given Guaranty Bancshares' stronger consensus rating and higher probable upside, research analysts clearly believe Guaranty Bancshares is more favorable than Affinity Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Guaranty Bancshares	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Affinity Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the MarketBeat Community prefer GNTY or AFBI?

Guaranty Bancshares received 225 more outperform votes than Affinity Bancshares when rated by MarketBeat users. Likewise, 57.84% of users gave Guaranty Bancshares an outperform vote while only 0.00% of users gave Affinity Bancshares an outperform vote.

Company	Underperform	Outperform
Guaranty Bancshares	Outperform Votes 225 57.84%	Underperform Votes 164 42.16%
Affinity Bancshares	Outperform Votes No Votes	Underperform Votes 3 100.00%

Is GNTY or AFBI more profitable?

Guaranty Bancshares has a net margin of 17.15% compared to Affinity Bancshares' net margin of 10.88%. Guaranty Bancshares' return on equity of 10.13% beat Affinity Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Guaranty Bancshares	17.15%	10.13%	1.02%
Affinity Bancshares	10.88%	4.65%	0.67%

Which has stronger valuation & earnings, GNTY or AFBI?

Guaranty Bancshares has higher revenue and earnings than Affinity Bancshares. Guaranty Bancshares is trading at a lower price-to-earnings ratio than Affinity Bancshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Guaranty Bancshares	$118.37M	3.94	$31.54M	$2.92	14.10
Affinity Bancshares	$31.67M	3.72	$5.44M	$0.90	20.73

Do insiders & institutionals have more ownership in GNTY or AFBI?

39.4% of Guaranty Bancshares shares are held by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are held by institutional investors. 22.3% of Guaranty Bancshares shares are held by company insiders. Comparatively, 10.8% of Affinity Bancshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Guaranty Bancshares beats Affinity Bancshares on 17 of the 18 factors compared between the two stocks.