Head-To-Head Review: Community Capital Bancshares (OTCMKTS:ALBY) versus Affinity Bancshares (NASDAQ:AFBI)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Affinity Bancshares	15.74%	7.30%	0.98%
Community Capital Bancshares	N/A	N/A	N/A

Volatility & Risk

Affinity Bancshares has a beta of 0.23, indicating that its share price is 77% less volatile than the S&P 500. Comparatively, Community Capital Bancshares has a beta of 0.47, indicating that its share price is 53% less volatile than the S&P 500.

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, 42.4% of Community Capital Bancshares shares are owned by 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.

Earnings and Valuation

This table compares Affinity Bancshares and Community Capital Bancshares”s 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	14.93
Community Capital Bancshares	$15.03 million	2.57	$4.90 million	$3.78	7.87

Affinity Bancshares has higher revenue and earnings than Community Capital Bancshares. Community Capital Bancshares 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 Recommendations

This is a breakdown of recent recommendations and price targets for Affinity Bancshares and Community Capital Bancshares, as provided by MarketBeat.

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

Summary

Affinity Bancshares beats Community Capital Bancshares on 8 of the 12 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 Community Capital Bancshares

Community Capital Bancshares, Inc. operates as the holding company for AB&T that provides various banking products and services to individual and corporate customers. The company accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposits. Its loan products include commercial and residential real estate, commercial, financial, agricultural, consumer installment, overdrafts and other revolving credit, and educational loans. The company also offers money transfer, bill pay, remote deposit capture, ACH origination, and merchant services, as well as online, mobile, and text message banking services. The company was incorporated in 1998 and is based in Albany, Georgia.