Volatility and Risk
Affinity Bancshares has a beta of 0.33, suggesting that its share price is 67% less volatile than the S&P 500. Comparatively, SR Bancorp has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500.
Earnings and Valuation
This table compares Affinity Bancshares and SR Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Affinity Bancshares | $31.67 million | 3.62 | $5.44 million | $0.90 | 20.19 |
| SR Bancorp | $28.04 million | 4.11 | -$10.86 million | $0.06 | 213.67 |
Institutional and Insider Ownership
39.3% of Affinity Bancshares shares are held by institutional investors. Comparatively, 24.7% of SR Bancorp shares are held by institutional investors. 12.4% of Affinity Bancshares shares are held by insiders. Comparatively, 3.6% of SR Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Profitability
This table compares Affinity Bancshares and SR Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Affinity Bancshares | 10.88% | 4.65% | 0.67% |
| SR Bancorp | 0.95% | 0.21% | 0.04% |
Summary
Affinity Bancshares beats SR Bancorp 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 SR Bancorp
SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides customary retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Somerset, Middlesex, Hunterdon, and Essex counties in New Jersey. It offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides loans comprising one- to four family-residential mortgage loans, home equity loans and lines of credit, unsecured personal loans, and rehabilitation loans; and bill payment services. In addition, it is involved in the investment activities. The company was founded in 1887 and is headquartered in Bound Brook, New Jersey.
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