Citizens Bancshares (OTCMKTS:CZBS) & Affinity Bancshares (NASDAQ:AFBI) Critical Comparison

Affinity Bancshares (NASDAQ:AFBI) and Citizens Bancshares (OTCMKTS:CZBS) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, dividends, valuation, analyst recommendations, profitability and earnings.

Insider & Institutional Ownership

39.3% of Affinity Bancshares shares are owned by institutional investors. 12.4% of Affinity Bancshares shares are owned by insiders. Comparatively, 10.2% of Citizens Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Risk & Volatility

Affinity Bancshares has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500. Comparatively, Citizens Bancshares has a beta of 0.37, indicating that its stock price is 63% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Affinity Bancshares and Citizens Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affinity Bancshares	0	1	0	0	2.00
Citizens Bancshares	0	0	0	0	0.00

Profitability

This table compares Affinity Bancshares and Citizens Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Affinity Bancshares	15.74%	7.25%	0.99%
Citizens Bancshares	N/A	N/A	N/A

Earnings & Valuation

This table compares Affinity Bancshares and Citizens Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Affinity Bancshares	$52.93 million	2.25	$8.33 million	$1.29	15.14
Citizens Bancshares	$44.68 million	1.84	$12.88 million	N/A	N/A

Citizens Bancshares has lower revenue, but higher earnings than Affinity Bancshares.

Summary

Affinity Bancshares beats Citizens Bancshares on 8 of the 10 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 Citizens Bancshares

Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers. The company offers checking and savings accounts; and demand and money market deposits. Its loan products include commercial, financial, and agricultural loans; loans secured by personal property, such as automobiles, marketable securities, and other titled recreational vehicles and motorcycles, as well as unsecured consumer debt; commercial real estate loans; single-family residential loans; and construction and development loans. The company also offers investment accounts and certificate of deposit account registry services. In addition, it provides merchant services, which include point of sale terminal, credit and debit card processing, electronic benefits transfer, gift card, and Internet shopping cart services; cash management services; and credit cards. Further, the company offers online and mobile banking, as well as check reorder services. Citizens Bancshares Corporation was founded in 1921 and is headquartered in Atlanta, Georgia.