Your two methods will not differ in performance, the reason is that your string is concatenaled in 1 expression, and the compiler will create a StringBuilder for that expression. The following are equivalent and result in the same code:
String s1 = "five" + '=' + 5;
String s2 = new StringBuilder().append("five").append('=').append(5).toString();
If your code splits up the expresion, for instance in a loop, creating your own StringBuilder will perform better, the naive version using string + concatenation results after compilation in code like:
String s3 = "";
for (int n = 0; n < 5; n++) {
s3 = new StringBuilder(s3).append(getText(n)).append('=').append(n).append("\n").toString();
}
creating your method using an explicit StringBuilder can save creation of unnecessary StringBuilder objects.
For simple methods you normally do not have to optimise string concatenation yourself, but in those situations where the code is on the critical path, or where you are forced to use many different string expression to build up your end result, it is a good to know what happens under the hood so you can decide whether it is worth the extra effort.
Note that StringBuffer is thread-safe, while StringBuilder is not. StringBuilder is the faster choice for situations where multi-threaded access is not an issue.