AFFINITY BANCSHARES INC (AFBI) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:AFBI • US00832E1038

20.59 USD
+0.26 (+1.28%)
Last: Feb 3, 2026, 08:00 PM
Fundamental Rating

3

Taking everything into account, AFBI scores 3 out of 10 in our fundamental rating. AFBI was compared to 383 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 quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

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.
  • Each year in the past 5 years AFBI has been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
  • The Return On Equity of AFBI (6.02%) is worse than 72.85% of its industry peers.
Industry RankSector 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
AFBI Yearly ROA, ROE, ROICAFBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

  • AFBI has a Profit Margin (23.51%) which is comparable to the rest of the 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 RankSector 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
AFBI Yearly Profit, Operating, Gross MarginsAFBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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4

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
  • 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 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 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
WACC14.72%
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 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 2M 4M 6M

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4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.48% over the past year.
  • The Earnings Per Share has been growing by 75.29% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 3.84% in the past year.
  • The Revenue has been growing by 16.81% on average over the past years. This is quite good.
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.
AFBI Yearly Revenue VS EstimatesAFBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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1

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 17.75, the valuation of AFBI can be described as rather expensive.
  • Based on the Price/Earnings ratio, AFBI is valued a bit more expensive than 77.55% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 28.25. AFBI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.75
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 12.84
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)0.24
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.44%, AFBI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.64, AFBI pays a better dividend. On top of this AFBI pays more dividend than 98.96% 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 7.44%

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 0 2M 4M 6M 8M 10M

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AFFINITY BANCSHARES INC

NASDAQ:AFBI (2/3/2026, 8:00:00 PM)

20.59

+0.26 (+1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-30
Inst Owners24.72%
Inst Owner Change-6.94%
Ins Owners20.56%
Ins Owner Change-0.8%
Market Cap127.04M
Revenue(TTM)32.09M
Net Income(TTM)7.54M
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio1.52
Dividend
Industry RankSector Rank
Dividend Yield 7.44%
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 17.75
Fwd PE N/A
P/S 3.96
P/FCF 12.84
P/OCF 12.4
P/B 1.01
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)1.16
EY5.63%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY7.79%
OCF(TTM)1.66
OCFY8.06%
SpS5.2
BVpS20.32
TBVpS17.4
PEG (NY)N/A
PEG (5Y)0.24
Graham Number23.03
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)0.76%
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 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
WACC14.72%
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.


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 17.75 and the Price/Book (PB) ratio is 1.01.