Affinity Bancshares (NASDAQ:AFBI – Get Free Report) and Columbia Banking System (NASDAQ:COLB – Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, dividends, analyst recommendations, risk, profitability, institutional ownership and earnings.
Volatility and Risk
Affinity Bancshares has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, Columbia Banking System has a beta of 0.66, suggesting that its share price is 34% less volatile than the S&P 500.
Valuation and Earnings
This table compares Affinity Bancshares and Columbia Banking System”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Affinity Bancshares | $33.36 million | 4.20 | $8.33 million | $1.37 | 16.79 |
| Columbia Banking System | $3.21 billion | 2.54 | $550.00 million | $2.51 | 11.51 |
Columbia Banking System has higher revenue and earnings than Affinity Bancshares. Columbia Banking System is trading at a lower price-to-earnings ratio than Affinity Bancshares, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of current recommendations and price targets for Affinity Bancshares and Columbia Banking System, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Affinity Bancshares | 0 | 0 | 1 | 0 | 3.00 |
| Columbia Banking System | 0 | 8 | 5 | 0 | 2.38 |
Columbia Banking System has a consensus target price of $33.58, suggesting a potential upside of 16.25%. Given Columbia Banking System’s higher probable upside, analysts clearly believe Columbia Banking System is more favorable than Affinity Bancshares.
Insider and Institutional Ownership
39.3% of Affinity Bancshares shares are owned by institutional investors. Comparatively, 92.5% of Columbia Banking System shares are owned by institutional investors. 12.3% of Affinity Bancshares shares are owned by insiders. Comparatively, 0.6% of Columbia Banking System shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Profitability
This table compares Affinity Bancshares and Columbia Banking System’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Affinity Bancshares | 16.50% | 7.51% | 1.04% |
| Columbia Banking System | 19.96% | 11.33% | 1.31% |
Summary
Columbia Banking System beats Affinity Bancshares on 10 of the 14 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 Columbia Banking System
Columbia Banking System, Inc. operates as the holding company of Umpqua Bank that provides banking, private banking, mortgage, and other financial services in the United States. The company offers deposit products, including business, non-interest bearing checking, interest-bearing checking and savings, money market, and certificate of deposit accounts; and insured cash sweep and other investment sweep solutions. It also provides commercial lending products, such as commercial lines of credit and term loans, accounts receivable and inventory financing, international trade finance, commercial property loans, multifamily loans, equipment loans, commercial equipment leases, real estate construction loans and permanent financing, and small business administration program financing, as well as capital markets. In addition, the company offers wealth management comprising financial planning, investment, trust, and insurance; treasury management, which includes digital and mobile banking solutions, ACH, wires, positive pay, remote deposit capture, integrated payments, integrated receivables, lockbox, cash vault, real-time payments, commercial card, and foreign exchange and international banking related products, as well as merchant services; and brokerage services, residential real estate loans and consumer loans. It serves its products to corporate, institutional, small business, and individual customers. The company was founded in 1953 and is headquartered in Tacoma, Washington.
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