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AFFINITY BANCSHARES INC (AFBI) Stock Fundamental Analysis

NASDAQ:AFBI - Nasdaq - US00832E1038 - Common Stock - Currency: USD

18.6511  +0 (+0.01%)

Fundamental Rating

3

AFBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. The financial health of AFBI is average, but there are quite some concerns on its profitability. AFBI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year AFBI was profitable.
AFBI had a positive operating cash flow in the past year.
AFBI had positive earnings in each of the past 5 years.
Each year in the past 5 years AFBI had a positive operating cash flow.
AFBI Yearly Net Income VS EBIT VS OCF VS FCFAFBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M 10M

1.2 Ratios

AFBI has a worse Return On Assets (0.65%) than 65.48% of its industry peers.
AFBI has a Return On Equity of 4.86%. This is in the lower half of the industry: AFBI underperforms 78.93% of its industry peers.
Industry RankSector Rank
ROA 0.65%
ROE 4.86%
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
AFBI Yearly ROA, ROE, ROICAFBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

The Profit Margin of AFBI (18.75%) is worse than 67.01% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 18.75%
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
AFBI Yearly Profit, Operating, Gross MarginsAFBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2. Health

2.1 Basic Checks

AFBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AFBI remains at a similar level compared to 1 year ago.
Compared to 5 years ago, AFBI has less shares outstanding
AFBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AFBI Yearly Shares OutstandingAFBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
AFBI Yearly Total Debt VS Total AssetsAFBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC15.15%
AFBI Yearly LT Debt VS Equity VS FCFAFBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AFBI Yearly Current Assets VS Current LiabilitesAFBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M

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3. Growth

3.1 Past

The earnings per share for AFBI have decreased by -2.79% in the last year.
Measured over the past years, AFBI shows a very strong growth in Earnings Per Share. The EPS has been growing by 75.29% on average per year.
Looking at the last year, AFBI shows a small growth in Revenue. The Revenue has grown by 7.18% in the last year.
Measured over the past years, AFBI shows a quite strong growth in Revenue. The Revenue has been growing by 16.81% on average per year.
EPS 1Y (TTM)-2.79%
EPS 3Y-8.78%
EPS 5Y75.29%
EPS Q2Q%36.66%
Revenue 1Y (TTM)7.18%
Revenue growth 3Y-0.82%
Revenue growth 5Y16.81%
Sales Q2Q%6.61%

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.
AFBI Yearly Revenue VS EstimatesAFBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 20.72, AFBI is valued on the expensive side.
78.93% of the companies in the same industry are cheaper than AFBI, based on the Price/Earnings ratio.
AFBI is valuated rather cheaply when we compare the Price/Earnings ratio to 27.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.72
Fwd PE N/A
AFBI Price Earnings VS Forward Price EarningsAFBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

AFBI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AFBI is more expensive than 65.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.71
EV/EBITDA N/A
AFBI Per share dataAFBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

AFBI has a Yearly Dividend Yield of 8.04%, which is a nice return.
AFBI's Dividend Yield is rather good when compared to the industry average which is at 3.25. AFBI pays more dividend than 98.48% of the companies in the same industry.
AFBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 8.04%

5.2 History

AFBI is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
AFBI Yearly Dividends per shareAFBI Yearly Dividends per shareYearly Dividends per share 2025 0.5 1

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
AFBI Yearly Income VS Free CF VS DividendAFBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M 10M

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AFFINITY BANCSHARES INC

NASDAQ:AFBI (7/18/2025, 8:00:00 PM)

18.6511

+0 (+0.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-01 2025-05-01
Earnings (Next)07-24 2025-07-24
Inst Owners25.77%
Inst Owner Change0%
Ins Owners20.4%
Ins Owner Change0.26%
Market Cap117.87M
Analysts0
Price TargetN/A
Short Float %0.3%
Short Ratio2.19
Dividend
Industry RankSector Rank
Dividend Yield 8.04%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date03-13 2025-03-13 (1.5)
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 RankSector Rank
PE 20.72
Fwd PE N/A
P/S 3.72
P/FCF 16.71
P/OCF 15.74
P/B 0.96
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)0.9
EY4.83%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.12
FCFY5.99%
OCF(TTM)1.19
OCFY6.36%
SpS5.01
BVpS19.35
TBVpS16.48
PEG (NY)N/A
PEG (5Y)0.28
Profitability
Industry RankSector Rank
ROA 0.65%
ROE 4.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.75%
GM N/A
FCFM 22.28%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 56.57%
Cap/Sales 1.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.15%
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)-2.79%
EPS 3Y-8.78%
EPS 5Y75.29%
EPS Q2Q%36.66%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.18%
Revenue growth 3Y-0.82%
Revenue growth 5Y16.81%
Sales Q2Q%6.61%
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 1Y56.8%
FCF growth 3Y-16.7%
FCF growth 5Y38.27%
OCF growth 1Y32.35%
OCF growth 3Y-16.94%
OCF growth 5Y32.87%