Critical Comparison: Home Bancorp (NASDAQ:HBCP) and Affinity Bancshares (NASDAQ:AFBI)


Affinity Bancshares (NASDAQ:AFBI – Get Rating) and Home Bancorp (NASDAQ:HBCP – Get Rating) are both small cap finance companies, but which stock is superior? We’ll compare the two companies based on the strength of their institutional ownership, profitability, dividends, valuation, earnings, risk, and analyst recommendations.

Analyst Recommendations

This is a breakdown of the current recommendations for Affinity Bancshares and Home Bancorp, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Affinity Banking Actions 0 0 0 0 N / A
Bancorp Home 0 0 0 0 N / A

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of Affinity Bancshares and Home Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Affinity Banking Actions $35.13 million 2.86 $7.57 million $1.11 13.67
Bancorp Home $123.17 million 2.82 $48.62 million $5.77 7.08

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

Profitability

This table compares the net margins, return on equity and return on assets of Affinity Bancshares and Home Bancorp.

Net margins Return on equity return on assets
Affinity Banking Actions 21.56% 6.40% 0.96%
Bancorp Home 39.47% 14.27% 1.74%

Risk and Volatility

Affinity Bancshares has a beta of 0.57, suggesting its stock price is 43% less volatile than the S&P 500. By comparison, Home Bancorp has a beta of 0.74, suggesting its stock price is 26% less volatile than the S&P 500.

Insider and Institutional Ownership

27.4% of Affinity Bancshares shares are held by institutional investors. By comparison, 39.4% of Home Bancorp’s shares are held by institutional investors. 6.6% of Affinity Bancshares shares are held by insiders. By comparison, 7.0% of Home Bancorp’s shares are held by insiders. Strong institutional ownership indicates that large fund managers, endowments, and hedge funds believe a stock is poised for long-term growth.

Summary

Home Bancorp beats Affinity Bancshares on 9 out of 11 factors compared between the two stocks.

About Affinity Bancshares (Get a rating)

Affinity Bancshares, Inc. operates as a holding company for Affinity Bank which 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 real estate, one to four family residential real estate, construction and land, and consumer credit. In addition, the company invests in US Treasury securities; securities issued by the U.S. government and its agencies, or government-sponsored enterprises, including mortgage-backed securities and guaranteed mortgage bonds; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. It operates a main office and a branch office in Covington, Georgia; a branch in Atlanta, Georgia; and a commercial loan origination office in Alpharetta, Georgia; from an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.

About Home Bancorp (Get a rating)

Home Bancorp, Inc. operates as a bank holding company for Home Bank, National Association which provides various banking products and services in Louisiana and Mississippi. It offers deposit products, including interest-bearing and interest-free checks, money market, savings, NOW and certificates of deposit accounts. The Company also offers various lending products, such as one to four family first mortgages, home equity loans and lines of credit, commercial real estate loans, construction and land loans, multi-family residential loans. , commercial and industrial loans and consumer loans. . Additionally, it invests in securities; and offers credit cards and online banking. The company operates through a network of 19 bank offices in Acadiana, four bank offices in Baton Rouge, six bank offices in the Greater New Orleans area, six bank offices in the Northshore region and three bank offices in Natchez. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.



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