AFFINITY BANCSHARES INC (AFBI) Stock Fundamental Analysis

NASDAQ:AFBI • US00832E1038

19.9 USD
0 (0%)
Last: Mar 3, 2026, 04:10 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, AFBI scores 3 out of 10 in our fundamental rating. AFBI was compared to 379 industry peers in the Banks industry. AFBI scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. AFBI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • AFBI had positive earnings in the past year.
  • In the past year AFBI had a positive cash flow from operations.
  • AFBI had positive earnings in each of the past 5 years.
  • Of the past 5 years AFBI 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2M 4M 6M 8M 10M

1.2 Ratios

  • The Return On Assets of AFBI (0.82%) is comparable to the rest of the industry.
  • AFBI has a Return On Equity of 6.02%. This is in the lower half of the industry: AFBI underperforms 73.88% of its industry peers.
Industry RankSector Rank
ROA 0.82%
ROE 6.02%
ROIC N/A
ROA(3y)0.78%
ROA(5y)0.84%
ROE(3y)5.36%
ROE(5y)5.69%
ROIC(3y)N/A
ROIC(5y)N/A
AFBI Yearly ROA, ROE, ROICAFBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

1.3 Margins

  • Looking at the Profit Margin, with a value of 23.51%, AFBI is in line with its industry, outperforming 43.80% of the companies in the same industry.
  • AFBI's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for AFBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.51%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.36%
PM growth 5Y17.36%
GM growth 3YN/A
GM growth 5YN/A
AFBI Yearly Profit, Operating, Gross MarginsAFBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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5

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 has been reduced compared to 1 year ago.
  • AFBI has less shares outstanding than it did 5 years ago.
  • 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.
AFBI Yearly Shares OutstandingAFBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
AFBI Yearly Total Debt VS Total AssetsAFBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • 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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.74%
AFBI Yearly LT Debt VS Equity VS FCFAFBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • AFBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.68%, which is quite impressive.
  • AFBI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.82% yearly.
  • The Revenue has been growing slightly by 6.03% in the past year.
  • Measured over the past years, AFBI shows a small growth in Revenue. The Revenue has been growing by 3.90% on average per year.
EPS 1Y (TTM)56.68%
EPS 3Y6.84%
EPS 5Y25.82%
EPS Q2Q%66.35%
Revenue 1Y (TTM)6.03%
Revenue growth 3Y0.93%
Revenue growth 5Y3.9%
Sales Q2Q%12.81%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.31, which indicates a correct valuation of AFBI.
  • Compared to the rest of the industry, the Price/Earnings ratio of AFBI indicates a slightly more expensive valuation: AFBI is more expensive than 73.09% of the companies listed in the same industry.
  • AFBI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.83.
Industry RankSector Rank
PE 15.31
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.27
EV/EBITDA N/A
AFBI Per share dataAFBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.59
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.54%, AFBI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.72, AFBI pays a better dividend. On top of this AFBI pays more dividend than 97.89% of the companies listed in the same industry.
  • AFBI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.54%

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
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2M 4M 6M 8M 10M

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AFFINITY BANCSHARES INC

NASDAQ:AFBI (3/3/2026, 4:10:04 PM)

19.9

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-30
Inst Owners24.72%
Inst Owner Change-4.12%
Ins Owners20.56%
Ins Owner Change-0.16%
Market Cap121.39M
Revenue(TTM)33.06M
Net Income(TTM)7.54M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio1.34
Dividend
Industry RankSector Rank
Dividend Yield 7.54%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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 15.31
Fwd PE N/A
P/S 3.78
P/FCF 12.27
P/OCF 11.85
P/B 0.97
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)1.3
EY6.53%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.62
FCFY8.15%
OCF(TTM)1.68
OCFY8.44%
SpS5.26
BVpS20.56
TBVpS17.6
PEG (NY)N/A
PEG (5Y)0.59
Graham Number24.52
Profitability
Industry RankSector 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)0.78%
ROA(5y)0.84%
ROE(3y)5.36%
ROE(5y)5.69%
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 3Y4.36%
PM growth 5Y17.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector 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
WACC14.74%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)56.68%
EPS 3Y6.84%
EPS 5Y25.82%
EPS Q2Q%66.35%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.03%
Revenue growth 3Y0.93%
Revenue growth 5Y3.9%
Sales Q2Q%12.81%
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 1Y38.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y32.4%
OCF growth 3YN/A
OCF growth 5YN/A

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.


What is the valuation status of AFFINITY BANCSHARES INC (AFBI) stock?

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 are the PE and PB ratios of AFFINITY BANCSHARES INC (AFBI) stock?

The Price/Earnings (PE) ratio for AFFINITY BANCSHARES INC (AFBI) is 15.31 and the Price/Book (PB) ratio is 0.97.