20.9 USD
-0.22 (-1.04%)
AFBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. The financial health of AFBI is average, but there are quite some concerns on its profitability. While showing a medium growth rate, AFBI is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
AFBI had positive earnings in the past year.
AFBI had a positive operating cash flow in the past year.
In the past 5 years AFBI has always been profitable.
AFBI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.82%, AFBI perfoms like the industry average, outperforming 42.53% of the companies in the same industry.
AFBI's Return On Equity of 6.02% is on the low side compared to the rest of the industry. AFBI is outperformed by 72.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 6.02% | ||
| ROIC | N/A |
ROA(3y)0.76%
ROA(5y)0.72%
ROE(3y)5.2%
ROE(5y)5.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 23.51%, AFBI is in line with its industry, outperforming 45.62% of the companies in the same industry.
AFBI's Profit Margin has improved in the last couple of years.
AFBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.51% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.68%
PM growth 5Y47.37%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AFBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
AFBI has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, AFBI has less shares outstanding
There is no outstanding debt for AFBI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
AFBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.48% over the past year.
AFBI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 75.29% yearly.
The Revenue has been growing slightly by 3.84% in the past year.
AFBI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.81% yearly.
EPS 1Y (TTM)35.48%
EPS 3Y-8.78%
EPS 5Y75.29%
EPS Q2Q%31.79%
Revenue 1Y (TTM)3.84%
Revenue growth 3Y-0.82%
Revenue growth 5Y16.81%
Sales Q2Q%4.74%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
AFBI is valuated rather expensively with a Price/Earnings ratio of 18.02.
77.58% of the companies in the same industry are cheaper than AFBI, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of AFBI to the average of the S&P500 Index (26.92), we can say AFBI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.02 | ||
| Fwd PE | N/A |
4.2 Price Multiples
AFBI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.04 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.24
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.10%, AFBI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, AFBI pays a better dividend. On top of this AFBI pays more dividend than 97.42% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, AFBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.1% |
5.2 History
AFBI does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:AFBI (12/29/2025, 4:30:00 PM)
20.9
-0.22 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.68%
Inst Owner Change-3.42%
Ins Owners20.56%
Ins Owner Change-0.89%
Market Cap128.95M
Revenue(TTM)32.09M
Net Income(TTM)7.54M
Analysts0
Price TargetN/A
Short Float %0.14%
Short Ratio1.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.1% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.02 | ||
| Fwd PE | N/A | ||
| P/S | 4.02 | ||
| P/FCF | 13.04 | ||
| P/OCF | 12.59 | ||
| P/B | 1.03 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.16
EY5.55%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY7.67%
OCF(TTM)1.66
OCFY7.94%
SpS5.2
BVpS20.32
TBVpS17.4
PEG (NY)N/A
PEG (5Y)0.24
Graham Number23.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 6.02% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.51% | ||
| GM | N/A | ||
| FCFM | 30.83% |
ROA(3y)0.76%
ROA(5y)0.72%
ROE(3y)5.2%
ROE(5y)5.14%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.68%
PM growth 5Y47.37%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 42.62% | ||
| Cap/Sales | 1.1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.11% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.55%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.48%
Cap/Sales(5y)2.34%
Profit Quality(3y)105.88%
Profit Quality(5y)98.6%
High Growth Momentum
Growth
EPS 1Y (TTM)35.48%
EPS 3Y-8.78%
EPS 5Y75.29%
EPS Q2Q%31.79%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.84%
Revenue growth 3Y-0.82%
Revenue growth 5Y16.81%
Sales Q2Q%4.74%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y115.04%
FCF growth 3Y-16.7%
FCF growth 5Y38.27%
OCF growth 1Y89.35%
OCF growth 3Y-16.94%
OCF growth 5Y32.87%
AFFINITY BANCSHARES INC / AFBI FAQ
Can you provide the ChartMill fundamental rating for AFFINITY BANCSHARES INC?
ChartMill assigns a fundamental rating of 3 / 10 to AFBI.
Can you provide the valuation status for AFFINITY BANCSHARES INC?
ChartMill assigns a valuation rating of 1 / 10 to AFFINITY BANCSHARES INC (AFBI). This can be considered as Overvalued.
How profitable is AFFINITY BANCSHARES INC (AFBI) stock?
AFFINITY BANCSHARES INC (AFBI) has a profitability rating of 3 / 10.
What is the valuation of AFFINITY BANCSHARES INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AFFINITY BANCSHARES INC (AFBI) is 18.02 and the Price/Book (PB) ratio is 1.03.