C&F Financial (NASDAQ:CFFI) and Affinity Bancshares (NASDAQ:AFBI) Head to Head Survey

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

Risk & Volatility

Affinity Bancshares has a beta of 0.22, indicating that its share price is 78% less volatile than the S&P 500. Comparatively, C&F Financial has a beta of 0.34, indicating that its share price is 66% less volatile than the S&P 500.

Institutional & Insider Ownership

39.3% of Affinity Bancshares shares are held by institutional investors. Comparatively, 37.2% of C&F Financial shares are held by institutional investors. 12.4% of Affinity Bancshares shares are held by company insiders. Comparatively, 6.3% of C&F Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Affinity Bancshares and C&F Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Affinity Bancshares	0	1	0	0	2.00
C&F Financial	0	1	0	0	2.00

Profitability

This table compares Affinity Bancshares and C&F Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Affinity Bancshares	14.55%	6.61%	0.91%
C&F Financial	14.39%	10.94%	0.99%

Earnings and Valuation

This table compares Affinity Bancshares and C&F Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Affinity Bancshares	$49.99 million	2.48	$5.44 million	$1.15	17.49
C&F Financial	$170.13 million	1.36	$19.83 million	$8.08	8.81

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

Summary

C&F Financial 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 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 C&F Financial

C&F Financial Corp. is a bank holding company, which engages in the provision of banking services to individuals and businesses. It operates through the following segments: Community Banking, Mortgage Banking and Consumer Finance. The Community Banking segment provides checking and savings deposit accounts, business, real estate, development, mortgage, home equity, and installment loans. The Mortgage Banking segment offers ancillary mortgage loan origination services for loan settlement and residential appraisals. The Consumer Finance segment consists of automobile financing through lending programs that are designed to serve customers in the non-prime market who have limited access to traditional automobile financing. The company was founded on March 8, 1994 and is headquartered in Toano, VA.