` Comparison: AFBI vs FITB - Alpha Spread

A
AFBI
vs
FITB

Over the past 12 months, AFBI has underperformed FITB, delivering a return of -1% compared to the FITB's +22% growth.

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AFBI
FITB
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Valuation Comparison

AFBI Intrinsic Value
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FITB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
A
Affinity Bancshares Inc
NASDAQ:AFBI
19.65 USD
Fifth Third Bancorp
NASDAQ:FITB
48.69 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
AFBI, FITB

AFBI
FITB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
A
Affinity Bancshares Inc
Revenue
Fifth Third Bancorp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
AFBI, FITB

AFBI
FITB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
A
Affinity Bancshares Inc
NASDAQ:AFBI
FCF is not applicable for financial companies
Fifth Third Bancorp
NASDAQ:FITB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

AFBI
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Operating Margin

AFBI
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Net Margin

AFBI
25.2%
FITB
26.4%

FCF Margin

AFBI
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

ROE

AFBI
6.5%
FITB
11.5%

ROA

AFBI
1%
FITB
1.1%

ROIC

AFBI
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

ROCE

AFBI
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
AFBI, FITB

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Performance Gap
AFBI, FITB

Performance Gap Between AFBI and FITB
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Performance By Year
AFBI, FITB

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AFBI
FITB
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Compare AFBI to other stocks
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HBAN
Huntington Bancshares Inc
Cheaper
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MTB
M&T Bank Corp
Cheaper
vs AFBI
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett