AFFINITY BANCSHARES INC (AFBI) Stock Fundamental Analysis
USA - NASDAQ:AFBI - US00832E1038 - Common Stock
19.27 USD
+0.4 (+2.12%)
AFBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 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 valied quite expensively at the moment, while it does show a decent growth rate.
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.
1.2 Ratios
AFBI has a Return On Assets (0.76%) which is comparable to the rest of the industry.
With a Return On Equity value of 5.69%, AFBI is not doing good in the industry: 72.68% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 5.69% | ||
| 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
AFBI has a Profit Margin (22.26%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of AFBI has grown nicely.
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) | 22.26% | ||
| 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.
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.77%
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.
The Earnings Per Share has been growing by 75.29% on average over the past years. This is a very strong growth
AFBI shows a small growth in Revenue. In the last year, the Revenue has grown by 3.84%.
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
A Price/Earnings ratio of 16.61 indicates a correct valuation of AFBI.
AFBI's Price/Earnings ratio is a bit more expensive when compared to the industry. AFBI is more expensive than 75.00% of the companies in the same industry.
AFBI is valuated rather cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.61 | ||
| 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 | 11.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.22
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.95%, AFBI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.38, AFBI pays a better dividend. On top of this AFBI pays more dividend than 97.68% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, AFBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.95% |
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
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:AFBI (11/13/2025, 8:14:09 PM)
19.27
+0.4 (+2.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners25.08%
Inst Owner Change-12.01%
Ins Owners20.18%
Ins Owner Change-0.26%
Market Cap121.21M
Revenue(TTM)32.09M
Net Income(TTM)7.06M
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio0.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.95% |
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 | 16.61 | ||
| Fwd PE | N/A | ||
| P/S | 3.82 | ||
| P/FCF | 11.85 | ||
| P/OCF | 11.38 | ||
| P/B | 0.98 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.16
EY6.02%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.63
FCFY8.44%
OCF(TTM)1.69
OCFY8.78%
SpS5.04
BVpS19.73
TBVpS16.86
PEG (NY)N/A
PEG (5Y)0.22
Graham Number22.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 5.69% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.26% | ||
| GM | N/A | ||
| FCFM | 32.25% |
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 | 54.62% | ||
| Cap/Sales | 1.32% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 144.9% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.77%
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 1Y102.92%
FCF growth 3Y-16.7%
FCF growth 5Y38.27%
OCF growth 1Y76.27%
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 16.61 and the Price/Book (PB) ratio is 0.98.