Comparing Truxton (OTCMKTS:TRUX) & Affinity Bancshares (NASDAQ:AFBI)

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

Profitability

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

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Affinity Bancshares and Truxton, as reported by MarketBeat.

Volatility & Risk

Affinity Bancshares has a beta of 0.22, suggesting that its share price is 78% less volatile than the S&P 500. Comparatively, Truxton has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500.

Institutional and Insider Ownership

39.3% of Affinity Bancshares shares are owned by institutional investors. Comparatively, 0.3% of Truxton shares are owned by institutional investors. 12.4% of Affinity Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Affinity Bancshares and Truxton”s gross revenue, earnings per share (EPS) and valuation.

Truxton has higher revenue and earnings than Affinity Bancshares. Truxton is trading at a lower price-to-earnings ratio than Affinity Bancshares, indicating that it is currently the more affordable of the two stocks.

About Affinity Bancshares

(Get Free Report)

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 Truxton

(Get Free Report)

Truxton Corporation, through its subsidiaries, provides various banking, investment management, and trust administration services to individuals, businesses, and charitable institutions in the United States. The company offers deposit products, including demand, money market accounts, and certificates of deposit. It also provides lending products, such as residential and commercial real estate mortgages, commercial loans, construction and land development loans, commercial and industrial loans, operating lines of credit, and loans to individual. In addition, the company offers strategic and capital advisory services, business banking, and treasury management services; and insurance products. The company was formerly known as NBT Holdings Inc. and changed its name to Truxton Corporation in May 2013. Truxton Corporation was founded in 2004 and is based in Nashville, Tennessee.