Affinity Bancshares (AFBI)
NASDAQ:AFBI
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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$17.98 - $22.50
Previous CloseN/A
Volume11.00K
Average Volume (3M)3.44K
Market Cap
$136.95M
Enterprise Value$185.39M
Total Cash (Recent Filing)$42.85M
Total Debt (Recent Filing)$54.00M
Price to Earnings (P/E)15.6
Beta0.18
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 Cap1.35
Enterprise Value/Revenue3.52
Enterprise Value/Gross Profit5.66
Enterprise Value/Ebitda15.86
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 QualityHigh free cash flow roughly equal to net income signals durable earnings quality and strong cash conversion. This underpins balance sheet flexibility, funds organic investment or severance/transition costs from the pending transaction, and reduces reliance on external funding over the next several quarters.
Improving Profitability MarginsMarked margin improvement demonstrates better operating efficiency and expense control, which is structural for sustaining earnings even if revenue lags. Strong margins give the bank more cushion versus cyclical pressures and support long-term profitability stability.
Manageable Balance Sheet LeverageLeverage in the low‑to‑mid single digits for a regional bank indicates conservative funding and capital adequacy. Stable equity and controlled debt provide resilience to credit or interest shocks, preserve regulatory headroom, and support orderly execution of strategic actions over months.
Bears Say
Sharp Revenue DeclineA nearly 45% TTM revenue drop materially reduces scale and increases sensitivity to fixed costs, making earnings more volatile. Sustained top‑line weakness can erode customer relationships and limit reinvestment or organic growth, posing a medium‑term headwind to stability.
Modest Return On EquityROE that is only mid‑single digits implies limited efficiency in converting capital to earnings. Over time this constrains internal capital generation, reduces buffer for credit losses, and limits the bank's ability to build reserves or fund growth without external capital.
Uneven Historical Cash FlowWhile recent cash conversion is strong, historical swings in free cash flow introduce predictability risk. This volatility can complicate planning for capital expenditures, dividend policies or integration costs, and raises concerns about consistency of cash generation over a multi‑quarter horizon.
Affinity Bancshares News
AFBI FAQ
What was Affinity Bancshares’s price range in the past 12 months?
Affinity Bancshares lowest stock price was $17.98 and its highest was $22.50 in the past 12 months.
What is Affinity Bancshares’s market cap?
Affinity Bancshares’s market cap is $136.95M.
When is Affinity Bancshares’s upcoming earnings report date?
Affinity Bancshares’s upcoming earnings report date is Jul 24, 2026 which is in 54 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 ―
Sector Average ―
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 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
1.17% Insiders
3.52% Mutual Funds
9.60% Other Institutional Investors
83.01% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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