Affinity Bancshares (AFBI) Competitors

Affinity Bancshares (NASDAQ:AFBI) and California BanCorp (NASDAQ:BCAL) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, valuation, institutional ownership, risk, media sentiment, earnings, dividends and profitability.

Which has more volatility & risk, AFBI or BCAL?

Affinity Bancshares has a beta of 0.37, indicating that its share price is 63% less volatile than the S&P 500. Comparatively, California BanCorp has a beta of 1.2, indicating that its share price is 20% more volatile than the S&P 500.

Do institutionals & insiders believe in AFBI or BCAL?

39.3% of Affinity Bancshares shares are held by institutional investors. Comparatively, 55.4% of California BanCorp shares are held by institutional investors. 12.4% of Affinity Bancshares shares are held by insiders. Comparatively, 14.8% of California BanCorp 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.

Which has better earnings and valuation, AFBI or BCAL?

Affinity Bancshares has higher earnings, but lower revenue than California BanCorp. Affinity Bancshares is trading at a lower price-to-earnings ratio than California BanCorp, 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
Affinity Bancshares	$49.99M	2.39	$5.44M	$1.07	17.78
California BanCorp	$184.56M	2.84	$5.43M	$0.87	18.51

Do analysts prefer AFBI or BCAL?

California BanCorp has a consensus price target of $19.50, indicating a potential upside of 21.12%. Given California BanCorp's stronger consensus rating and higher probable upside, analysts plainly believe California BanCorp is more favorable than Affinity Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affinity Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
California BanCorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	3.50

Is AFBI or BCAL more profitable?

Affinity Bancshares has a net margin of 13.78% compared to California BanCorp's net margin of 13.20%. California BanCorp's return on equity of 10.97% beat Affinity Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Affinity Bancshares	13.78%	6.05%	0.85%
California BanCorp	13.20%	10.97%	1.40%

Does the media favor AFBI or BCAL?

In the previous week, California BanCorp had 1 more articles in the media than Affinity Bancshares. MarketBeat recorded 3 mentions for California BanCorp and 2 mentions for Affinity Bancshares. Affinity Bancshares' average media sentiment score of 0.94 beat California BanCorp's score of 0.63 indicating that Affinity Bancshares is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Affinity Bancshares	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
California BanCorp	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

California BanCorp beats Affinity Bancshares on 13 of the 17 factors compared between the two stocks.