Affinity Bancshares (NASDAQ:AFBI – Get Rating) and ECB Bancorp (NASDAQ:ECBK – Get Rating) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, institutional ownership, profitability and earnings.
Profitability
This table compares Affinity Bancshares and ECB Bancorp's net margins, return on equity and return on assets.
Get Affinity Bancshares alerts:| Net Margins | Return on Equity | Return on Assets | |
| Affinity Bancshares | 19.13% | 6.10% | 0.91% |
| ECB Bancorp | 8.90% | 2.25% | 0.32% |
Earnings & Valuation
This table compares Affinity Bancshares and ECB Bancorp's top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Affinity Bancshares | $34.54 million | 2.87 | $7.13 million | $1.06 | 14.14 |
| ECB Bancorp | $30.55 million | 3.58 | $2.72 million | N/A | N/A |
Affinity Bancshares has higher revenue and earnings than ECB Bancorp.
Analyst Recommendations
This is a summary of recent recommendations and price targets for Affinity Bancshares and ECB Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Affinity Bancshares | 0 | 0 | 0 | 0 | N/A |
| ECB Bancorp | 0 | 0 | 0 | 0 | N/A |
Insider and Institutional Ownership
15.2% of Affinity Bancshares shares are owned by institutional investors. Comparatively, 19.8% of ECB Bancorp shares are owned by institutional investors. 8.6% 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 stock is poised for long-term growth.
Summary
Affinity Bancshares beats ECB Bancorp on 6 of the 8 factors compared between the two stocks.
About Affinity Bancshares
(Get Rating)
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer 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. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.
About ECB Bancorp
(Get Rating)
ECB Bancorp, Inc. focuses on operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. It operates through two full-service banking offices located in Everett, Massachusetts and Lynnfield, Massachusetts. The company was founded in 1890 and is based in Everett, Massachusetts.
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