AFBI Quote, Financials, Valuation and Earnings

Citizens & Northern Corp. has a net margin of 15.82% compared to Affinity Bancshares, Inc.'s net margin of 8.97%. Affinity Bancshares, Inc.'s return on equity of 6.64% beat Citizens & Northern Corp.'s return on equity of 7.87%.

Affinity Bancshares, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Citizens & Northern Corp. has an analysts' consensus of $24.25 which suggests that it could grow by 5.76%. Given that Citizens & Northern Corp. has higher upside potential than Affinity Bancshares, Inc., analysts believe Citizens & Northern Corp. is more attractive than Affinity Bancshares, Inc..

Affinity Bancshares, Inc. has a beta of 0.233, which suggesting that the stock is 76.678% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.543, suggesting its less volatile than the S&P 500 by 45.745%.

Affinity Bancshares, Inc. has a quarterly dividend of $1.50 per share corresponding to a yield of 0%. Citizens & Northern Corp. offers a yield of 4.88% to investors and pays a quarterly dividend of $0.28 per share. Affinity Bancshares, Inc. pays -- of its earnings as a dividend. Citizens & Northern Corp. pays out 76.85% of its earnings as a dividend. Citizens & Northern Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Affinity Bancshares, Inc. quarterly revenues are $13.5M, which are smaller than Citizens & Northern Corp. quarterly revenues of $49.8M. Affinity Bancshares, Inc.'s net income of $2.1M is lower than Citizens & Northern Corp.'s net income of $4.5M. Notably, Affinity Bancshares, Inc.'s price-to-earnings ratio is 15.33x while Citizens & Northern Corp.'s PE ratio is 15.54x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Affinity Bancshares, Inc. is 2.42x versus 2.15x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.

Franklin Financial Services Corp. (Pennsylvania) has a net margin of 15.82% compared to Affinity Bancshares, Inc.'s net margin of 17.91%. Affinity Bancshares, Inc.'s return on equity of 6.64% beat Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 13.35%.

Affinity Bancshares, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Franklin Financial Services Corp. (Pennsylvania) has an analysts' consensus of -- which suggests that it could fall by --. Given that Affinity Bancshares, Inc. has higher upside potential than Franklin Financial Services Corp. (Pennsylvania), analysts believe Affinity Bancshares, Inc. is more attractive than Franklin Financial Services Corp. (Pennsylvania).

Affinity Bancshares, Inc. has a beta of 0.233, which suggesting that the stock is 76.678% less volatile than S&P 500. In comparison Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.083, suggesting its less volatile than the S&P 500 by 108.256%.

Affinity Bancshares, Inc. has a quarterly dividend of $1.50 per share corresponding to a yield of 0%. Franklin Financial Services Corp. (Pennsylvania) offers a yield of 2.49% to investors and pays a quarterly dividend of $0.33 per share. Affinity Bancshares, Inc. pays -- of its earnings as a dividend. Franklin Financial Services Corp. (Pennsylvania) pays out 27.64% of its earnings as a dividend. Franklin Financial Services Corp. (Pennsylvania)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Affinity Bancshares, Inc. quarterly revenues are $13.5M, which are smaller than Franklin Financial Services Corp. (Pennsylvania) quarterly revenues of $33.7M. Affinity Bancshares, Inc.'s net income of $2.1M is lower than Franklin Financial Services Corp. (Pennsylvania)'s net income of $6M. Notably, Affinity Bancshares, Inc.'s price-to-earnings ratio is 15.33x while Franklin Financial Services Corp. (Pennsylvania)'s PE ratio is 11.17x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Affinity Bancshares, Inc. is 2.42x versus 1.77x for Franklin Financial Services Corp. (Pennsylvania). Usually stocks with elevated PS ratios are considered overvalued.

Sound Financial Bancorp, Inc. has a net margin of 15.82% compared to Affinity Bancshares, Inc.'s net margin of 14.71%. Affinity Bancshares, Inc.'s return on equity of 6.64% beat Sound Financial Bancorp, Inc.'s return on equity of 6.74%.

Affinity Bancshares, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Sound Financial Bancorp, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Affinity Bancshares, Inc. has higher upside potential than Sound Financial Bancorp, Inc., analysts believe Affinity Bancshares, Inc. is more attractive than Sound Financial Bancorp, Inc..

Affinity Bancshares, Inc. has a beta of 0.233, which suggesting that the stock is 76.678% less volatile than S&P 500. In comparison Sound Financial Bancorp, Inc. has a beta of 0.106, suggesting its less volatile than the S&P 500 by 89.439%.

Affinity Bancshares, Inc. has a quarterly dividend of $1.50 per share corresponding to a yield of 0%. Sound Financial Bancorp, Inc. offers a yield of 1.83% to investors and pays a quarterly dividend of $0.21 per share. Affinity Bancshares, Inc. pays -- of its earnings as a dividend. Sound Financial Bancorp, Inc. pays out 27.44% of its earnings as a dividend. Sound Financial Bancorp, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Affinity Bancshares, Inc. quarterly revenues are $13.5M, which are smaller than Sound Financial Bancorp, Inc. quarterly revenues of $15.3M. Affinity Bancshares, Inc.'s net income of $2.1M is lower than Sound Financial Bancorp, Inc.'s net income of $2.2M. Notably, Affinity Bancshares, Inc.'s price-to-earnings ratio is 15.33x while Sound Financial Bancorp, Inc.'s PE ratio is 15.41x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Affinity Bancshares, Inc. is 2.42x versus 1.78x for Sound Financial Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

Union Bankshares, Inc. (Vermont) has a net margin of 15.82% compared to Affinity Bancshares, Inc.'s net margin of 13.82%. Affinity Bancshares, Inc.'s return on equity of 6.64% beat Union Bankshares, Inc. (Vermont)'s return on equity of 15.12%.

Affinity Bancshares, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Union Bankshares, Inc. (Vermont) has an analysts' consensus of -- which suggests that it could fall by --. Given that Affinity Bancshares, Inc. has higher upside potential than Union Bankshares, Inc. (Vermont), analysts believe Affinity Bancshares, Inc. is more attractive than Union Bankshares, Inc. (Vermont).

Affinity Bancshares, Inc. has a beta of 0.233, which suggesting that the stock is 76.678% less volatile than S&P 500. In comparison Union Bankshares, Inc. (Vermont) has a beta of 0.419, suggesting its less volatile than the S&P 500 by 58.1%.

Affinity Bancshares, Inc. has a quarterly dividend of $1.50 per share corresponding to a yield of 0%. Union Bankshares, Inc. (Vermont) offers a yield of 6.08% to investors and pays a quarterly dividend of $0.36 per share. Affinity Bancshares, Inc. pays -- of its earnings as a dividend. Union Bankshares, Inc. (Vermont) pays out 59.26% of its earnings as a dividend. Union Bankshares, Inc. (Vermont)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Affinity Bancshares, Inc. quarterly revenues are $13.5M, which are smaller than Union Bankshares, Inc. (Vermont) quarterly revenues of $19.9M. Affinity Bancshares, Inc.'s net income of $2.1M is lower than Union Bankshares, Inc. (Vermont)'s net income of $2.7M. Notably, Affinity Bancshares, Inc.'s price-to-earnings ratio is 15.33x while Union Bankshares, Inc. (Vermont)'s PE ratio is 13.03x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Affinity Bancshares, Inc. is 2.42x versus 1.28x for Union Bankshares, Inc. (Vermont). Usually stocks with elevated PS ratios are considered overvalued.