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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$18.35 - $22.74
Previous CloseN/A
Volume11.00K
Average Volume (3M)3.44K
Market Cap
$138.05M
Enterprise Value$185.57M
Total Cash (Recent Filing)$42.85M
Total Debt (Recent Filing)$54.00M
Price to Earnings (P/E)16.1
Beta0.21
Next Earnings
Jul 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.41
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 Cap1.34
Enterprise Value/Revenue3.52
Enterprise Value/Gross Profit5.67
Enterprise Value/Ebitda15.47
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
Cash Generation / ConversionConsistent and high earnings-to-cash conversion is a durable strength: FCF nearly equals net income, providing internal funding for lending, loan loss absorption, capital needs, and M&A integration. Strong cash conversion reduces dependence on volatile funding markets over months.
Improving Profitability MarginsMaterial margin improvement signals better earnings efficiency and pricing or cost control that can persist beyond a single quarter. Higher margins provide a structural buffer against revenue shocks, support internal reinvestment, and improve ability to cover integration costs from strategic transactions.
Merger Approval Reduces Execution UncertaintyShareholder approval is a structural milestone that materially lowers governance risk and clears the path for combining franchises. If executed well, the transaction can deliver scale, cost synergies, and expanded deposit/lending footprint, changing the company’s competitive position over the coming months.
Bears Say
Steep TTM Revenue DeclineA nearly 45% TTM revenue drop is a significant structural headwind that threatens earnings durability. Even with improved margins, such a decline suggests lost business, runoff, or one-offs that can impair sustainable growth, constrain lending capacity, and complicate integration planning.
Uneven Historical Cash Flow TrendVolatile FCF across years indicates underlying cyclicality or episodic items that reduce predictability of free cash flow. This unevenness raises medium-term forecasting risk, complicates capital allocation, and could force reliance on external funding if cash generation weakens during integration or stress periods.
Moderate Returns On EquityROE remains modest despite improvement, indicating limited capital efficiency relative to peers. Sustained moderate ROE can constrain the firm’s ability to generate attractive shareholder returns or absorb integration-related capital needs without additional margin or revenue gains.
Affinity Bancshares News
AFBI FAQ
What was Affinity Bancshares’s price range in the past 12 months?
Affinity Bancshares lowest stock price was $18.35 and its highest was $22.74 in the past 12 months.
What is Affinity Bancshares’s market cap?
Affinity Bancshares’s market cap is $138.05M.
When is Affinity Bancshares’s upcoming earnings report date?
Affinity Bancshares’s upcoming earnings report date is Jul 24, 2026 which is in 12 days.
How were Affinity Bancshares’s earnings last quarter?
Affinity Bancshares released its earnings results on Apr 24, 2026. The company reported $0.363 earnings per share for the quarter, beating the consensus estimate of N/A by $0.363.
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 $0.363 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.
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 67%
Sector Average 67%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
5.35%
12-Months-Change
Fundamentals
Return on Equity
6.95%
Trailing 12-Months
Asset Growth
1.33%
Trailing 12-Months
Company Description
Affinity Bancshares
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate 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. Further, it operates FitnessBank, a virtual bank which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company was founded in 1928 and is headquartered in Covington, Georgia.
Technical Analysis
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Ownership Overview
0.77% Insiders
3.56% Mutual Funds
9.60% Other Institutional Investors
83.33% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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