Affinity Bancshares (NASDAQ:AFBI) & Berkshire Hills Bancorp (NYSE:BHLB) Head-To-Head Contrast

Affinity Bancshares (NASDAQ:AFBI) and Berkshire Hills Bancorp (NYSE:BHLB) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, dividends, profitability, earnings, analyst recommendations, risk and institutional ownership.

Earnings & Valuation

This table compares Affinity Bancshares and Berkshire Hills 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 $32.79 million 3.13 $3.09 million N/A N/A
Berkshire Hills Bancorp $476.09 million 2.93 -$533.02 million $2.30 12.46

Affinity Bancshares has higher earnings, but lower revenue than Berkshire Hills Bancorp.

Profitability

This table compares Affinity Bancshares and Berkshire Hills Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Affinity Bancshares 21.51% 7.10% 0.95%
Berkshire Hills Bancorp 23.12% 6.60% 0.63%

Analyst Ratings

This is a summary of recent ratings and recommmendations for Affinity Bancshares and Berkshire Hills Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affinity Bancshares 0 0 0 0 N/A
Berkshire Hills Bancorp 0 3 2 0 2.40

Berkshire Hills Bancorp has a consensus price target of $29.00, suggesting a potential upside of 1.22%. Given Berkshire Hills Bancorp’s higher probable upside, analysts clearly believe Berkshire Hills Bancorp is more favorable than Affinity Bancshares.

Risk and Volatility

Affinity Bancshares has a beta of 0.6, suggesting that its share price is 40% less volatile than the S&P 500. Comparatively, Berkshire Hills Bancorp has a beta of 1.17, suggesting that its share price is 17% more volatile than the S&P 500.

Insider and Institutional Ownership

16.0% of Affinity Bancshares shares are held by institutional investors. Comparatively, 81.2% of Berkshire Hills Bancorp shares are held by institutional investors. 6.6% of Affinity Bancshares shares are held by company insiders. Comparatively, 0.9% of Berkshire Hills Bancorp shares are held by company 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.

Summary

Berkshire Hills Bancorp beats Affinity Bancshares on 6 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. 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 branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; as well as an out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.

About Berkshire Hills Bancorp

Berkshire Hills Bancorp, Inc. operates as a bank holding company for Berkshire Bank and Berkshire Insurance Group, Inc. The firm offers deposit, lending, insurance, and wealth management products to retail and commercial customers in its market areas. It aims to expand and deepen market share and wallet share through organic growth and acquisition strategies. The company was founded in June 2000 and is headquartered in Pittsfield, MA.

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