AFBI
Affinity Bancshares, Inc.
Banks - Regional
Market Cap$146M
5Y Perf.+170.3%
Build Your Comparison
Side-by-side financial analysisAFBI
NECB
Try popular comparisons:
Stock Comparison
AFBI vs NECB
Revenue, margins, valuation, and 5-year total return — side by side.
NECB
Northeast Community Bancorp, Inc.
Banks - Regional
Market Cap$359M
5Y Perf.+338.1%
AFBI vs NECB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  AFBI |  NECB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $146M | $359M |
| Revenue (TTM) | $52M | $156M |
| Net Income (TTM) | $8M | $44M |
| Gross Margin | 61.3% | 65.9% |
| Operating Margin | 18.8% | 39.8% |
| Forward P/E | 27.1x | 8.3x |
| Total Debt | $60M | $75M |
| Cash & Equiv. | $41M | $81M |
AFBI vs NECB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AFBI
NECB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Affinity Bancshares… (AFBI) | 100 | 270.3 | +170.3% |
| Northeast Community… (NECB) | 100 | 438.1 | +338.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AFBI vs NECB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NECB leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Affinity Bancshares, Inc. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
🥇NECB emerged as the overall leader. Track its performance:
AFBI
Affinity Bancshares, Inc.
The Banking Pick
AFBI is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.22
- Rev growth 10.7%, EPS growth -15.3%
- Lower volatility, beta 0.22, Low D/E 46.8%, current ratio 0.06x
Best for: income & stability and growth exposure
NECB
Northeast Community Bancorp, Inc.
The Banking Pick
NECB carries the broadest edge in this set and is the clearest fit for long-term compounding and valuation efficiency.
- 5.0% 10Y total return vs AFBI's 80.7%
- PEG 0.25 vs AFBI's 0.37
- NIM 4.9% vs AFBI's 3.4%
Best for: long-term compounding and valuation efficiency
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  AFBI | 10.7% NII/revenue growth vs NECB's -1.6% |
| Value |  NECB | Lower P/E (8.3x vs 27.1x), PEG 0.25 vs 0.37 |
| Quality / Margins | NECB | Efficiency ratio 0.3% vs AFBI's 0.5% (lower = leaner) |
| Stability / Safety | AFBI | Beta 0.22 vs NECB's 0.71 |
| Dividends | NECB | 3.8% yield; 2-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | AFBI | +23.5% vs NECB's +17.5% |
| Efficiency (ROA) | NECB | Efficiency ratio 0.3% vs AFBI's 0.5% |
AFBI vs NECB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNECBLAGGINGAFBI
AFBIAffinity Bancshares, …
1leads
NECBNortheast Community B…
4leads
6 Total Categories
CATEGORYLEADERvs AFBIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NECB4/5
Valuation MetricsMultiples, price ratios, and targets
NECB6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NECB8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
AFBI2/2
Analyst OutlookRatings, price targets, and dividends
NECB1/1
Income & Cash Flow (Last 12 Months)
NECB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NECB is the larger business by revenue, generating $156M annually — 3.0x AFBI's $52M. NECB is the more profitable business, keeping 28.4% of every revenue dollar as net income compared to AFBI's 14.6%.
| Metric | AFBIAffinity Bancshar… | NECBNortheast Communi… |
|---|---|---|
| RevenueTrailing 12 months | $52M | $156M |
| EBITDAEarnings before interest/tax | $11M | $63M |
| Net IncomeAfter-tax profit | $8M | $44M |
| Free Cash FlowCash after capex | $10M | $51M |
| Gross MarginGross profit ÷ Revenue | +61.3% | +65.9% |
| Operating MarginEBIT ÷ Revenue | +18.8% | +39.8% |
| Net MarginNet income ÷ Revenue | +14.6% | +28.4% |
| FCF MarginFCF ÷ Revenue | +19.7% | +32.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +30.8% | +6.8% |
NECB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
NECB leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 8.0x trailing earnings, NECB trades at a 71% valuation discount to AFBI's 27.1x P/E. Adjusting for growth (PEG ratio), NECB offers better value at 0.24x vs AFBI's 0.37x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | AFBIAffinity Bancshar… | NECBNortheast Communi… |
|---|---|---|
| Market CapShares × price | $146M | $359M |
| Enterprise ValueMkt cap + debt − cash | $165M | $353M |
| Trailing P/EPrice ÷ TTM EPS | 27.13x | 7.99x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 8.30x |
| PEG RatioP/E ÷ EPS growth rate | 0.37x | 0.24x |
| EV / EBITDAEnterprise value multiple | 21.37x | 5.57x |
| Price / SalesMarket cap ÷ Revenue | 2.92x | 2.28x |
| Price / BookPrice ÷ Book value/share | 1.15x | 1.01x |
| Price / FCFMarket cap ÷ FCF | 22.92x | 7.07x |
NECB leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
NECB leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
NECB delivers a 13.1% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $6 for AFBI. NECB carries lower financial leverage with a 0.21x debt-to-equity ratio, signaling a more conservative balance sheet compared to AFBI's 0.47x. On the Piotroski fundamental quality scale (0–9), NECB scores 5/9 vs AFBI's 4/9, reflecting solid financial health.
| Metric | AFBIAffinity Bancshar… | NECBNortheast Communi… |
|---|---|---|
| ROE (TTM)Return on equity | +6.0% | +13.1% |
| ROA (TTM)Return on assets | +0.8% | +2.2% |
| ROICReturn on invested capital | +3.0% | +12.5% |
| ROCEReturn on capital employed | +3.9% | +16.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.47x | 0.21x |
| Net DebtTotal debt minus cash | $17M | -$6M |
| Cash & Equiv.Liquid assets | $41M | $81M |
| Total DebtShort + long-term debt | $60M | $75M |
| Interest CoverageEBIT ÷ Interest expense | 0.49x | 1.17x |
NECB leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — AFBI and NECB each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NECB five years ago would be worth $24,194 today (with dividends reinvested), compared to $18,824 for AFBI. Over the past 12 months, AFBI leads with a +23.5% total return vs NECB's +17.5%. The 3-year compound annual growth rate (CAGR) favors AFBI at 25.8% vs NECB's 25.6% — a key indicator of consistent wealth creation.
| Metric | AFBIAffinity Bancshar… | NECBNortheast Communi… |
|---|---|---|
| YTD ReturnYear-to-date | +9.6% | +15.9% |
| 1-Year ReturnPast 12 months | +23.5% | +17.5% |
| 3-Year ReturnCumulative with dividends | +99.2% | +98.4% |
| 5-Year ReturnCumulative with dividends | +88.2% | +141.9% |
| 10-Year ReturnCumulative with dividends | +80.7% | +500.4% |
| CAGR (3Y)Annualised 3-year return | +25.8% | +25.6% |
Evenly matched — AFBI and NECB each lead in 3 of 6 comparable metrics.
Risk & Volatility
AFBI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
AFBI is the less volatile stock with a 0.22 beta — it tends to amplify market swings less than NECB's 0.71 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | AFBIAffinity Bancshar… | NECBNortheast Communi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.22x | 0.71x |
| 52-Week HighHighest price in past year | $22.53 | $26.02 |
| 52-Week LowLowest price in past year | $18.20 | $19.27 |
| % of 52W HighCurrent price vs 52-week peak | +100.0% | +99.8% |
| RSI (14)Momentum oscillator 0–100 | 69.1 | 67.0 |
| Avg Volume (50D)Average daily shares traded | 14K | 33K |
AFBI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
NECB leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
NECB is the only dividend payer here at 3.75% yield — a key consideration for income-focused portfolios.
| Metric | AFBIAffinity Bancshar… | NECBNortheast Communi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | 1 |
| Dividend YieldAnnual dividend ÷ price | — | +3.8% |
| Dividend StreakConsecutive years of raises | 0 | 2 |
| Dividend / ShareAnnual DPS | — | $0.98 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.4% |
NECB leads this category, winning 1 of 1 comparable metric.
Key Takeaway
NECB leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). AFBI leads in 1 (Risk & Volatility). 1 tied.
Best OverallNortheast Community Bancorp… (NECB)Leads 4 of 6 categories
Loading custom metrics...
AFBI vs NECB: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is AFBI or NECB a better buy right now?
For growth investors, Affinity Bancshares, Inc.
(AFBI) is the stronger pick with 10. 7% revenue growth year-over-year, versus -1. 6% for Northeast Community Bancorp, Inc. (NECB). Northeast Community Bancorp, Inc. (NECB) offers the better valuation at 8. 0x trailing P/E (8. 3x forward), making it the more compelling value choice. Analysts rate Northeast Community Bancorp, Inc. (NECB) a "Hold" — based on 1 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AFBI or NECB?
On trailing P/E, Northeast Community Bancorp, Inc.
(NECB) is the cheapest at 8. 0x versus Affinity Bancshares, Inc. at 27. 1x.
03Which is the better long-term investment — AFBI or NECB?
Over the past 5 years, Northeast Community Bancorp, Inc.
(NECB) delivered a total return of +141. 9%, compared to +88. 2% for Affinity Bancshares, Inc. (AFBI). Over 10 years, the gap is even starker: NECB returned +500. 4% versus AFBI's +80. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AFBI or NECB?
By beta (market sensitivity over 5 years), Affinity Bancshares, Inc.
(AFBI) is the lower-risk stock at 0. 22β versus Northeast Community Bancorp, Inc. 's 0. 71β — meaning NECB is approximately 222% more volatile than AFBI relative to the S&P 500. On balance sheet safety, Northeast Community Bancorp, Inc. (NECB) carries a lower debt/equity ratio of 21% versus 47% for Affinity Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AFBI or NECB?
By revenue growth (latest reported year), Affinity Bancshares, Inc.
(AFBI) is pulling ahead at 10. 7% versus -1. 6% for Northeast Community Bancorp, Inc. (NECB). On earnings-per-share growth, the picture is similar: Northeast Community Bancorp, Inc. grew EPS -7. 7% year-over-year, compared to -15. 3% for Affinity Bancshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AFBI or NECB?
Northeast Community Bancorp, Inc.
(NECB) is the more profitable company, earning 28. 2% net margin versus 10. 9% for Affinity Bancshares, Inc. — meaning it keeps 28. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NECB leads at 39. 6% versus 14. 0% for AFBI. At the gross margin level — before operating expenses — NECB leads at 66. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — AFBI or NECB?
In this comparison, NECB (3.
8% yield) pays a dividend. AFBI does not pay a meaningful dividend and should not be held primarily for income.
08Is AFBI or NECB better for a retirement portfolio?
For long-horizon retirement investors, Northeast Community Bancorp, Inc.
(NECB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 71), 3. 8% yield, +500. 4% 10Y return). Both have compounded well over 10 years (NECB: +500. 4%, AFBI: +80. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between AFBI and NECB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: AFBI is a small-cap quality compounder stock; NECB is a small-cap deep-value stock. NECB pays a dividend while AFBI does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.