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Affinity Bancshares (AFBI)
NASDAQ:AFBI
US Market
AFBI
Affinity Bancshares
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Affinity Bancshares (AFBI) Ratios

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Affinity Bancshares Ratios

AFBI's free cash flow for Q4 2025 was $0.63. For the 2025 fiscal year, AFBI's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.10 0.12 0.15 0.11
Quick Ratio
 0.00 0.10 0.12 0.15 0.11
Cash Ratio
 0.00 0.08 0.06 0.07 0.04
Solvency Ratio
 0.01 0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 0.02 0.01 0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -752.37M$ -683.64M$ -659.77M$ -623.15M$ -601.66M
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.06 0.07 0.05 0.01
Debt-to-Equity Ratio
 0.42 0.43 0.46 0.33 0.09
Debt-to-Capital Ratio
 0.29 0.30 0.31 0.25 0.08
Long-Term Debt-to-Capital Ratio
 0.29 0.30 0.31 0.25 0.08
Financial Leverage Ratio
 7.14 6.94 6.71 6.94 6.76
Debt Service Coverage Ratio
 0.43 0.42 0.33 0.46 3.14
Interest Coverage Ratio
 0.57 0.57 0.37 0.54 3.92
Debt to Market Cap
 0.39 0.43 0.52 0.39 0.10
Interest Debt Per Share
 12.12 12.04 12.10 8.57 1.86
Net Debt to EBITDA
 4.15 0.01 2.25 -1.10 -1.69
Profitability Margins
Gross Profit Margin
62.12%62.22%61.50%65.77%91.07%
EBIT Margin
21.40%21.23%13.97%18.57%27.01%
EBITDA Margin
22.18%21.23%15.44%20.20%27.99%
Operating Profit Margin
21.40%21.23%13.97%18.57%27.01%
Pretax Profit Margin
22.45%21.23%13.97%18.57%27.01%
Net Profit Margin
16.67%15.74%10.88%14.28%20.66%
Continuous Operations Profit Margin
16.67%15.74%10.88%14.28%20.66%
Net Income Per EBT
74.27%74.16%77.93%76.87%76.49%
EBT Per EBIT
104.89%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.95%0.95%0.63%0.76%0.90%
Return on Equity (ROE)
6.95%6.56%4.21%5.31%6.09%
Return on Capital Employed (ROCE)
1.22%6.02%3.61%4.97%7.34%
Return on Invested Capital (ROIC)
13.19%4.46%2.81%3.82%5.61%
Return on Tangible Assets
0.97%0.96%0.64%0.78%0.92%
Earnings Yield
6.42%6.63%4.85%6.23%7.08%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.44
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 19.52 18.66 15.33 11.90 8.11
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.37 -0.09 -0.09 -0.08 -0.07
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 -826.73
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 826.73
Operating Cycle
 0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 1.91 1.90 1.06 1.22 1.13
Free Cash Flow Per Share
 1.84 1.83 0.99 1.13 0.93
CapEx Per Share
 0.07 0.07 0.07 0.08 0.21
Free Cash Flow to Operating Cash Flow
 0.97 0.96 0.94 0.93 0.82
Dividend Paid and CapEx Coverage Ratio
 1.26 1.26 16.09 14.94 5.43
Capital Expenditure Coverage Ratio
 28.74 27.58 16.09 14.94 5.43
Operating Cash Flow Coverage Ratio
 0.22 0.22 0.12 0.20 0.76
Operating Cash Flow to Sales Ratio
 0.22 0.22 0.14 0.17 0.22
Free Cash Flow Yield
8.21%8.93%5.67%7.10%6.13%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.58 15.07 20.63 16.04 14.12
Price-to-Sales (P/S) Ratio
 2.60 2.37 2.25 2.29 2.92
Price-to-Book (P/B) Ratio
 1.06 0.99 0.87 0.85 0.86
Price-to-Free Cash Flow (P/FCF) Ratio
 12.18 11.20 17.62 14.08 16.31
Price-to-Operating Cash Flow Ratio
 11.76 10.79 16.53 13.14 13.31
Price-to-Earnings Growth (PEG) Ratio
 0.30 0.27 -1.38 -2.45 -5.18
Price-to-Fair Value
 1.06 0.99 0.87 0.85 0.86
Enterprise Value Multiple
 15.86 11.19 16.79 10.24 8.73
Enterprise Value
 185.33M 125.76M 129.64M 93.41M 84.41M
EV to EBITDA
 15.86 11.19 16.79 10.24 8.73
EV to Sales
 3.52 2.38 2.59 2.07 2.44
EV to Free Cash Flow
 16.50 11.21 20.35 12.72 13.67
EV to Operating Cash Flow
 15.92 10.80 19.09 11.87 11.15
Tangible Book Value Per Share
 18.30 17.77 17.30 15.93 14.78
Shareholders’ Equity Per Share
 21.24 20.70 20.13 18.76 17.56
Tax and Other Ratios
Effective Tax Rate
 0.26 0.26 0.22 0.23 0.24
Revenue Per Share
 8.65 8.63 7.79 6.97 5.18
Net Income Per Share
 1.44 1.36 0.85 1.00 1.07
Tax Burden
 0.74 0.74 0.78 0.77 0.76
Interest Burden
 1.05 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.35 0.31 0.26 0.27 0.35
Stock-Based Compensation to Revenue
 0.02 0.02 0.02 0.02 0.02
Income Quality
 1.40 1.40 1.25 1.22 1.06
Currency in USD