Affinity Bancshares (AFBI)
NASDAQ:AFBI
AFBI Stock Chart & Stats
$19.75
$0.12(0.66%)
At close: 4:00 PM EST
$19.75
$0.12(0.66%)
Day’s Range― - ―
52-Week Range$17.00 - $22.50
Previous CloseN/A
Volume11.00K
Average Volume (3M)3.44K
Market Cap
$118.42M
Enterprise Value$164.38M
Total Cash (Recent Filing)$45.68M
Total Debt (Recent Filing)$54.00M
Price to Earnings (P/E)14.7
Beta0.09
Next Earnings
Apr 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.34
Shares Outstanding6,094,885
10 Day Avg. Volume3,658
30 Day Avg. Volume3,438
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.99
Price to Sales (P/S)2.37
P/FCF Ratio11.20
Enterprise Value/Market Cap1.39
Enterprise Value/Revenue3.11
Enterprise Value/Gross Profit4.99
Enterprise Value/Ebitda13.89
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Rebound In 2025 Earnings And Cash FlowAffinity's materially higher 2025 net income and a clear rebound in operating and free cash flow indicate restored profit generation and improved cash conversion. That strengthens internal funding for lending, investment or capital returns and reduces near-term dependence on external financing.
Board-authorized Share Repurchase ProgramThe board's authorization to repurchase up to ~5% of shares provides a durable capital-allocation lever to enhance shareholder value and improve EPS when excess capital exists. As a discretionary structural tool, it helps manage capital return policy across multiple quarters.
Reasonable Capitalization And Moderate LeverageA moderate debt-to-equity ratio and improved ROE support regulatory resilience and capacity to extend credit or absorb shocks. Reasonable capitalization preserves strategic flexibility for lending growth or targeted investments over the medium term without forcing immediate capital raises.
Bears Say
Notable Rise In Leverage Since 2022Rising leverage and stagnant equity reduce balance-sheet flexibility and increase sensitivity to credit or funding stress. Over several quarters this can constrain lending capacity, elevate regulatory and funding costs, and limit the firm's ability to pursue growth or shareholder returns without replenishing capital.
Margin Compression Versus Earlier YearsSustained margin compression from earlier elevated levels suggests less favorable revenue or net-interest dynamics. If margins remain suppressed, the bank will need higher volume, pricing power or cost cuts to restore returns, pressuring long-term profitability and capital generation.
Volatile Cash Generation And Limited Earnings-quality VisibilityHistoric volatility in operating and free cash flow and weak cash-flow-to-earnings coverage reduce confidence in recurring cash conversion. This complicates reliable forecasting, capital planning and assessing the sustainability of dividends or buybacks over the coming quarters.
Affinity Bancshares News
AFBI FAQ
What was Affinity Bancshares’s price range in the past 12 months?
Affinity Bancshares lowest stock price was $17.00 and its highest was $22.50 in the past 12 months.
What is Affinity Bancshares’s market cap?
Affinity Bancshares’s market cap is $118.42M.
When is Affinity Bancshares’s upcoming earnings report date?
Affinity Bancshares’s upcoming earnings report date is Apr 24, 2026 which is in 28 days.
How were Affinity Bancshares’s earnings last quarter?
Affinity Bancshares released its earnings results on Jan 23, 2026. The company reported $0.337 earnings per share for the quarter, beating the consensus estimate of N/A by $0.337.
Is Affinity Bancshares overvalued?
According to Wall Street analysts Affinity Bancshares’s price is currently Overvalued.
Does Affinity Bancshares pay dividends?
Affinity Bancshares pays a Notavailable dividend of $1.5 which represents an annual dividend yield of N/A. See more information on Affinity Bancshares dividends here
What is Affinity Bancshares’s EPS estimate?
Affinity Bancshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Affinity Bancshares have?
Affinity Bancshares has 6,094,885 shares outstanding.
What happened to Affinity Bancshares’s price movement after its last earnings report?
Affinity Bancshares reported an EPS of $0.337 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.985%.
Which hedge fund is a major shareholder of Affinity Bancshares?
Currently, no hedge funds are holding shares in AFBI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Affinity Bancshares Stock Smart Score
Neutral
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Blogger Sentiment
Bullish
AFBI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 288.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $147.3K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
5.35%
12-Months-Change
Fundamentals
Return on Equity
6.68%
Trailing 12-Months
Asset Growth
1.72%
Trailing 12-Months
Company Description
Affinity Bancshares
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.
Technical Analysis
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Ownership Overview
1.16% Insiders
3.25% Mutual Funds
5.55% Other Institutional Investors
87.41% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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