Do analysts recommend HKD or AFBI?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score AMTD Digital 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00 Affinity Bancshares 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00

Which has preferable valuation and earnings, HKD or AFBI?

AMTD Digital has higher revenue and earnings than Affinity Bancshares. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio AMTD Digital $136.10M 3.70 $54.71M N/A N/A Affinity Bancshares $52.93M 2.60 $8.33M $1.37 16.48

Do analysts recommend AFBI or COFS?

ChoiceOne Financial Services has a consensus price target of $34.00, suggesting a potential upside of 0.24%. Given ChoiceOne Financial Services' higher probable upside, analysts plainly believe ChoiceOne Financial Services 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) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00 ChoiceOne Financial Services 0 Sell rating(s) 2 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.50

Do analysts recommend OBT or AFBI?

Orange County Bancorp presently has a consensus target price of $37.00, suggesting a potential downside of 1.73%. Given Orange County Bancorp's higher possible upside, research analysts plainly believe Orange County Bancorp is more favorable than Affinity Bancshares. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Orange County Bancorp 0 Sell rating(s) 1 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.75 Affinity Bancshares 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00

Do analysts recommend PDLB or AFBI?

Ponce Financial Group currently has a consensus price target of $24.00, suggesting a potential upside of 19.34%. Given Ponce Financial Group's stronger consensus rating and higher possible upside, analysts clearly believe Ponce Financial Group is more favorable than Affinity Bancshares. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Ponce Financial Group 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 2 Strong Buy rating(s) 3.67 Affinity Bancshares 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00

Affinity Bancshares (AFBI) Competitors

$22.58 0.00 (0.00%)

Closing price 07/2/2026 04:00 PM Eastern

Extended Trading

$22.58 0.00 (0.00%)

As of 07/2/2026 04:04 PM Eastern

Compare

AFBI vs. FBIZ, HKD, COFS, OBT, and PDLB

Should you buy Affinity Bancshares stock or one of its competitors? MarketBeat compares Affinity Bancshares with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Affinity Bancshares include First Business Financial Services (FBIZ), AMTD Digital (HKD), ChoiceOne Financial Services (COFS), Orange County Bancorp (OBT), and Ponce Financial Group (PDLB). These companies are all part of the "banking" industry.

How does Affinity Bancshares compare to First Business Financial Services?

First Business Financial Services (NASDAQ:FBIZ) and Affinity Bancshares (NASDAQ:AFBI) 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, earnings, profitability, risk, dividends, media sentiment, institutional ownership and valuation.

In the previous week, First Business Financial Services had 1 more articles in the media than Affinity Bancshares. MarketBeat recorded 1 mentions for First Business Financial Services and 0 mentions for Affinity Bancshares. First Business Financial Services' average media sentiment score of 0.60 beat Affinity Bancshares' score of 0.00 indicating that First Business Financial Services is being referred to more favorably in the media.

Company	Overall Sentiment
First Business Financial Services	Positive
Affinity Bancshares	Neutral

60.1% of First Business Financial Services shares are owned by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are owned by institutional investors. 5.0% of First Business Financial Services shares are owned by insiders. Comparatively, 12.4% of Affinity Bancshares shares are owned 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.

First Business Financial Services has higher revenue and earnings than Affinity Bancshares. First Business Financial Services 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
First Business Financial Services	$279.25M	1.91	$50.32M	$6.07	10.52
Affinity Bancshares	$52.93M	2.60	$8.33M	$1.37	16.48

First Business Financial Services has a beta of 0.66, meaning that its share price is 34% less volatile than the broader market. Comparatively, Affinity Bancshares has a beta of 0.13, meaning that its share price is 87% less volatile than the broader market.

First Business Financial Services presently has a consensus price target of $65.50, indicating a potential upside of 2.58%. Given First Business Financial Services' stronger consensus rating and higher probable upside, equities research analysts plainly believe First Business Financial Services is more favorable than Affinity Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Business Financial Services	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	3.25
Affinity Bancshares	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

First Business Financial Services has a net margin of 18.16% compared to Affinity Bancshares' net margin of 16.50%. First Business Financial Services' return on equity of 14.60% beat Affinity Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Business Financial Services	18.16%	14.60%	1.25%
Affinity Bancshares	16.50%	7.51%	1.04%

Summary

First Business Financial Services beats Affinity Bancshares on 14 of the 17 factors compared between the two stocks.

How does Affinity Bancshares compare to AMTD Digital?

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

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AMTD Digital	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00
Affinity Bancshares	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

AMTD Digital has a beta of 1.98, indicating that its stock price is 98% more volatile than the broader market. Comparatively, Affinity Bancshares has a beta of 0.13, indicating that its stock price is 87% less volatile than the broader market.

AMTD Digital has higher revenue and earnings than Affinity Bancshares.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AMTD Digital	$136.10M	3.70	$54.71M	N/A	N/A
Affinity Bancshares	$52.93M	2.60	$8.33M	$1.37	16.48

Affinity Bancshares has a net margin of 16.50% compared to AMTD Digital's net margin of 0.00%. Affinity Bancshares' return on equity of 7.51% beat AMTD Digital's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
AMTD Digital	N/A	N/A	N/A
Affinity Bancshares	16.50%	7.51%	1.04%

In the previous week, AMTD Digital's average media sentiment score of 0.00 equaled Affinity Bancshares'average media sentiment score.

Company	Overall Sentiment
AMTD Digital	Neutral
Affinity Bancshares	Neutral

5.8% of AMTD Digital shares are held by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are held by institutional investors. 12.4% of Affinity Bancshares shares are held 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.

Summary

Affinity Bancshares beats AMTD Digital on 7 of the 11 factors compared between the two stocks.

How does Affinity Bancshares compare to ChoiceOne Financial Services?

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

ChoiceOne Financial Services has higher revenue and earnings than Affinity Bancshares. ChoiceOne Financial Services 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
Affinity Bancshares	$52.93M	2.60	$8.33M	$1.37	16.48
ChoiceOne Financial Services	$227.62M	2.23	$28.18M	$3.70	9.17

ChoiceOne Financial Services has a consensus price target of $34.00, suggesting a potential upside of 0.24%. Given ChoiceOne Financial Services' higher probable upside, analysts plainly believe ChoiceOne Financial Services 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)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
ChoiceOne Financial Services	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

ChoiceOne Financial Services has a net margin of 23.07% compared to Affinity Bancshares' net margin of 16.50%. ChoiceOne Financial Services' return on equity of 12.31% beat Affinity Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Affinity Bancshares	16.50%	7.51%	1.04%
ChoiceOne Financial Services	23.07%	12.31%	1.28%

In the previous week, Affinity Bancshares' average media sentiment score of 0.00 equaled ChoiceOne Financial Services'average media sentiment score.

Company	Overall Sentiment
Affinity Bancshares	Neutral
ChoiceOne Financial Services	Neutral

39.3% of Affinity Bancshares shares are held by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are held by institutional investors. 12.4% of Affinity Bancshares shares are held by company insiders. Comparatively, 6.5% of ChoiceOne Financial Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Affinity Bancshares has a beta of 0.13, meaning that its share price is 87% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.59, meaning that its share price is 41% less volatile than the broader market.

Summary

ChoiceOne Financial Services beats Affinity Bancshares on 9 of the 14 factors compared between the two stocks.

How does Affinity Bancshares compare to Orange County Bancorp?

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

Orange County Bancorp has a net margin of 27.54% compared to Affinity Bancshares' net margin of 16.50%. Orange County Bancorp's return on equity of 16.09% beat Affinity Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Orange County Bancorp	27.54%	16.09%	1.67%
Affinity Bancshares	16.50%	7.51%	1.04%

Orange County Bancorp has a beta of 0.41, indicating that its stock price is 59% less volatile than the broader market. Comparatively, Affinity Bancshares has a beta of 0.13, indicating that its stock price is 87% less volatile than the broader market.

42.6% of Orange County Bancorp shares are owned by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are owned by institutional investors. 8.2% of Orange County Bancorp shares are owned by company insiders. Comparatively, 12.4% of Affinity Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Orange County Bancorp presently has a consensus target price of $37.00, suggesting a potential downside of 1.73%. Given Orange County Bancorp's higher possible upside, research analysts plainly believe Orange County Bancorp is more favorable than Affinity Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orange County Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75
Affinity Bancshares	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Orange County Bancorp has higher revenue and earnings than Affinity Bancshares. Orange County Bancorp 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
Orange County Bancorp	$158.13M	3.19	$41.61M	$3.40	11.07
Affinity Bancshares	$52.93M	2.60	$8.33M	$1.37	16.48

In the previous week, Orange County Bancorp had 1 more articles in the media than Affinity Bancshares. MarketBeat recorded 1 mentions for Orange County Bancorp and 0 mentions for Affinity Bancshares. Orange County Bancorp's average media sentiment score of 0.00 equaled Affinity Bancshares'average media sentiment score.

Company	Overall Sentiment
Orange County Bancorp	Neutral
Affinity Bancshares	Neutral

Summary

Orange County Bancorp beats Affinity Bancshares on 12 of the 15 factors compared between the two stocks.

How does Affinity Bancshares compare to Ponce Financial Group?

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

In the previous week, Ponce Financial Group's average media sentiment score of 1.00 beat Affinity Bancshares' score of 0.00 indicating that Ponce Financial Group is being referred to more favorably in the media.

Company	Overall Sentiment
Ponce Financial Group	Positive
Affinity Bancshares	Neutral

Affinity Bancshares has a net margin of 16.50% compared to Ponce Financial Group's net margin of 15.74%. Ponce Financial Group's return on equity of 10.09% beat Affinity Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Ponce Financial Group	15.74%	10.09%	0.98%
Affinity Bancshares	16.50%	7.51%	1.04%

Ponce Financial Group currently has a consensus price target of $24.00, suggesting a potential upside of 19.34%. Given Ponce Financial Group's stronger consensus rating and higher possible upside, analysts clearly believe Ponce Financial Group is more favorable than Affinity Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ponce Financial Group	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	2 Strong Buy rating(s)	3.67
Affinity Bancshares	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

64.4% of Ponce Financial Group shares are owned by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are owned by institutional investors. 6.7% of Ponce Financial Group shares are owned by insiders. Comparatively, 12.4% of Affinity Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Ponce Financial Group has higher revenue and earnings than Affinity Bancshares. Ponce Financial Group 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
Ponce Financial Group	$194.94M	2.50	$28.70M	$1.30	15.47
Affinity Bancshares	$52.93M	2.60	$8.33M	$1.37	16.48

Ponce Financial Group has a beta of 0.68, indicating that its share price is 32% less volatile than the broader market. Comparatively, Affinity Bancshares has a beta of 0.13, indicating that its share price is 87% less volatile than the broader market.

Summary

Ponce Financial Group beats Affinity Bancshares on 9 of the 15 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding AFBI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.

AFBI vs. The Competition

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Metric	Affinity Bancshares	BANKS Industry	Finance Sector	NASDAQ Exchange
Market Cap	$137.51M	$1.97B	$14.07B	$12.46B
Dividend Yield	N/A	2.37%	5.67%	6.52%
P/E Ratio	16.48	17.15	20.59	24.70
Price / Sales	2.60	2.66	43.36	98.72
Price / Cash	14.02	13.03	19.45	49.23
Price / Book	1.10	1.30	2.26	6.49
Net Income	$8.33M	$146.81M	$1.14B	$336.25M
7 Day Performance	-0.09%	0.46%	0.64%	0.35%
1 Month Performance	0.33%	4.96%	2.41%	3.91%
1 Year Performance	22.98%	22.77%	12.00%	23.88%

Affinity Bancshares Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
AFBI Affinity Bancshares	1.3921 of 5 stars	$22.58 flat	N/A	+23.0%	$137.51M	$52.93M	16.48	100	High Trading Volume
FBIZ First Business Financial Services	4.1962 of 5 stars	$64.59 +2.2%	$65.50 +1.4%	+16.8%	$539.97M	$279.25M	10.64	340	Gap Up
HKD AMTD Digital	0.2997 of 5 stars	$1.65 +4.0%	N/A	-10.4%	$522.00M	$136.10M	N/A	50
COFS ChoiceOne Financial Services	2.4807 of 5 stars	$34.52 +1.5%	$34.00 -1.5%	+12.2%	$517.04M	$227.62M	9.33	380
OBT Orange County Bancorp	1.8022 of 5 stars	$37.55 +2.1%	$37.00 -1.5%	+36.7%	$503.75M	$158.13M	11.05	210

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This page (NASDAQ:AFBI) was last updated on 7/6/2026 by MarketBeat.com Staff.

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Affinity Bancshares (AFBI) Competitors

AFBI vs. FBIZ, HKD, COFS, OBT, and PDLB

How does Affinity Bancshares compare to First Business Financial Services?

Summary

How does Affinity Bancshares compare to AMTD Digital?

Summary

How does Affinity Bancshares compare to ChoiceOne Financial Services?

Summary

How does Affinity Bancshares compare to Orange County Bancorp?

Summary

How does Affinity Bancshares compare to Ponce Financial Group?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

AFBI vs. The Competition

Affinity Bancshares Competitors List

Related Companies and Tools

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

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Affinity Bancshares (AFBI) Competitors

AFBI vs. FBIZ, HKD, COFS, OBT, and PDLB

How does Affinity Bancshares compare to First Business Financial Services?

Does the media favor FBIZ or AFBI?

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

Which has preferable earnings & valuation, FBIZ or AFBI?

Which has more risk & volatility, FBIZ or AFBI?

Do analysts prefer FBIZ or AFBI?

Is FBIZ or AFBI more profitable?

Summary

How does Affinity Bancshares compare to AMTD Digital?

Do analysts recommend HKD or AFBI?

Which has more volatility and risk, HKD or AFBI?

Which has preferable valuation and earnings, HKD or AFBI?

Is HKD or AFBI more profitable?

Does the media prefer HKD or AFBI?

Do institutionals and insiders have more ownership in HKD or AFBI?

Summary

How does Affinity Bancshares compare to ChoiceOne Financial Services?

Which has higher valuation & earnings, AFBI or COFS?

Do analysts recommend AFBI or COFS?

Is AFBI or COFS more profitable?

Does the media refer more to AFBI or COFS?

Do insiders and institutionals have more ownership in AFBI or COFS?

Which has more risk & volatility, AFBI or COFS?

Summary

How does Affinity Bancshares compare to Orange County Bancorp?

Is OBT or AFBI more profitable?

Which has more volatility & risk, OBT or AFBI?

Do insiders & institutionals hold more shares of OBT or AFBI?

Do analysts recommend OBT or AFBI?

Which has stronger valuation and earnings, OBT or AFBI?

Does the media prefer OBT or AFBI?

Summary

How does Affinity Bancshares compare to Ponce Financial Group?

Does the media favor PDLB or AFBI?

Is PDLB or AFBI more profitable?

Do analysts recommend PDLB or AFBI?

Do institutionals and insiders hold more shares of PDLB or AFBI?

Which has higher earnings & valuation, PDLB or AFBI?

Which has more risk and volatility, PDLB or AFBI?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

AFBI vs. The Competition

Affinity Bancshares Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools