Civista Bancshares (NASDAQ:CIVB – Get Free Report) and Affinity Bancshares (NASDAQ:AFBI – Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, valuation, dividends, institutional ownership, risk, earnings and analyst recommendations.
Profitability
This table compares Civista Bancshares and Affinity Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Civista Bancshares | 20.79% | 10.65% | 1.35% |
| Affinity Bancshares | 16.50% | 7.51% | 1.04% |
Analyst Recommendations
This is a summary of current ratings for Civista Bancshares and Affinity Bancshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Civista Bancshares | 0 | 3 | 3 | 0 | 2.50 |
| Affinity Bancshares | 0 | 0 | 1 | 0 | 3.00 |
Earnings & Valuation
This table compares Civista Bancshares and Affinity Bancshares”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Civista Bancshares | $254.95 million | 2.17 | $46.21 million | $2.70 | 9.83 |
| Affinity Bancshares | $33.36 million | 4.20 | $8.33 million | $1.37 | 16.79 |
Civista Bancshares has higher revenue and earnings than Affinity Bancshares. Civista 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.
Insider and Institutional Ownership
52.1% of Civista Bancshares shares are owned by institutional investors. Comparatively, 39.3% of Affinity Bancshares shares are owned by institutional investors. 1.6% of Civista Bancshares shares are owned by insiders. Comparatively, 12.3% of Affinity Bancshares shares are owned 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.
Risk & Volatility
Civista Bancshares has a beta of 0.65, meaning that its stock price is 35% less volatile than the S&P 500. Comparatively, Affinity Bancshares has a beta of 0.13, meaning that its stock price is 87% less volatile than the S&P 500.
Summary
Civista Bancshares beats Affinity Bancshares on 10 of the 14 factors compared between the two stocks.
About Civista Bancshares
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
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.
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