AFFINITY BANCSHARES INC (AFBI)

US00832E1038 - Common Stock

17  0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to AFBI. AFBI was compared to 411 industry peers in the Banks industry. The financial health of AFBI is average, but there are quite some concerns on its profitability. AFBI has a expensive valuation and it also scores bad on growth.



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3

1. Profitability

1.1 Basic Checks

In the past year AFBI was profitable.
In the past year AFBI had a positive cash flow from operations.
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.

1.2 Ratios

AFBI has a Return On Assets (0.76%) which is in line with its industry peers.
AFBI's Return On Equity of 5.30% is on the low side compared to the rest of the industry. AFBI is outperformed by 80.29% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 5.3%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.62%
ROE(3y)5.88%
ROE(5y)4.39%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

AFBI has a Profit Margin of 21.72%. This is comparable to the rest of the industry: AFBI outperforms 41.12% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 21.72%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y24.3%
PM growth 5Y47.9%
GM growth 3YN/A
GM growth 5YN/A

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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.
Compared to 1 year ago, AFBI has less shares outstanding
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.

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
WACC15.73%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

AFBI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.51%.
The Earnings Per Share has been growing by 81.45% on average over the past years. This is a very strong growth
AFBI shows a decrease in Revenue. In the last year, the revenue decreased by -5.51%.
The Revenue has been growing by 15.15% on average over the past years. This is quite good.
EPS 1Y (TTM)-12.51%
EPS 3Y33.86%
EPS 5Y81.45%
EPS growth Q2Q-21.3%
Revenue 1Y (TTM)-5.51%
Revenue growth 3Y2.81%
Revenue growth 5Y15.15%
Revenue growth Q2Q-1.57%

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.

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1

4. Valuation

4.1 Price/Earnings Ratio

AFBI is valuated rather expensively with a Price/Earnings ratio of 18.28.
Based on the Price/Earnings ratio, AFBI is valued expensively inside the industry as 82.73% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of AFBI to the average of the S&P500 Index (28.15), we can say AFBI is valued slightly cheaper.
Industry RankSector Rank
PE 18.28
Fwd PE N/A

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 72.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.86
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

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0

5. Dividend

5.1 Amount

AFBI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AFFINITY BANCSHARES INC

NASDAQ:AFBI (5/17/2024, 7:00:00 PM)

17

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap109.14M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 18.28
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.22
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 5.3%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 21.72%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-12.51%
EPS 3Y33.86%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-5.51%
Revenue growth 3Y2.81%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y