Affinity Bancshares (AFBI) AI Stock Analysis

• Market Cap: $115.52M
• Dividend Yield: N/A
• Average Volume (3M): 6.02K
• Price to Earnings (P/E): 16.3
• Beta (1Y): 0.11
• Revenue Growth: 5.18%
• EPS Growth: 36.12%
• Country: US
• Employees: 88
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.34
• Shares Outstanding: 6,167,602
• 10 Day Avg. Volume: 14,428
• 30 Day Avg. Volume: 6,021
• PEG Ratio: -1.38
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 2.25
• P/FCF Ratio: 17.62
• Enterprise Value/Market Cap: 1.51
• Enterprise Value/Revenue: 3.48
• Enterprise Value/Gross Profit: 23.70
• Enterprise Value/Ebitda: 16.50
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: $19.50 ▲(4.39% Upside)

Affinity Bancshares' overall stock score reflects a solid financial foundation with strong profitability and prudent debt management. However, technical indicators suggest bearish momentum, and valuation metrics indicate moderate attractiveness. The absence of a dividend yield and earnings call data limits further insights.

Affinity Bancshares Business Overview & Revenue Model

Company Description

Affinity Bancshares (AFBI) is a financial services holding company based in the United States, primarily focused on providing a range of banking and financial solutions. The company operates through its subsidiary, which offers various products and services, including personal and commercial banking, mortgage lending, and wealth management. Affinity Bancshares aims to serve both individual customers and businesses, emphasizing customer-centric solutions and community engagement.

How the Company Makes Money

Affinity Bancshares generates revenue through multiple key streams, primarily from interest income on loans and mortgages issued to customers. The company earns interest from its loan portfolio, which includes personal loans, commercial loans, and residential mortgages. Additionally, AFBI generates non-interest income through fees associated with account maintenance, transaction services, and wealth management services. Partnerships with local businesses and community organizations also contribute to its customer base and revenue through increased lending activities and cross-selling opportunities. The bank's focus on community-oriented banking helps foster customer loyalty and retention, further enhancing its earnings potential.

Affinity Bancshares Financial Statement Overview

Summary

Affinity Bancshares demonstrates a solid financial foundation with strong profitability and prudent debt management. However, declining revenue growth and cash flow challenges could pose risks if not addressed. The company should focus on improving revenue growth and cash conversion efficiency to sustain its financial health.

Income Statement

Affinity Bancshares shows a mixed performance in its income statement. The TTM data indicates a decline in revenue growth rate, which is concerning. However, the company maintains a healthy net profit margin of 15.02% and an EBIT margin of 19.43%, indicating strong profitability. The gross profit margin has decreased significantly over the years, which could impact future profitability if not addressed.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.43 in the most recent annual report, indicating prudent financial management. Return on equity has shown improvement, reaching 6.03% in the TTM period, suggesting efficient use of equity. However, the equity ratio has slightly decreased, which could be a potential risk if the trend continues.

Cash Flow

Cash flow analysis reveals some challenges, with a negative free cash flow growth rate in the TTM period. The operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio remains strong at 96.06%, suggesting that the company is still generating sufficient cash relative to its net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	50.23M	49.99M	45.17M	34.54M	35.13M	32.48M
Gross Profit	7.37M	30.61M	29.71M	31.45M	30.88M	25.01M
EBITDA	10.59M	7.72M	9.12M	9.66M	10.59M	4.58M
Net Income	7.55M	5.44M	6.45M	7.13M	7.57M	3.09M
Balance Sheet
Total Assets	925.22M	866.82M	843.26M	791.28M	788.09M	850.63M
Cash, Cash Equivalents and Short-Term Investments	50.76M	41.42M	98.59M	72.52M	160.33M	202.26M
Total Debt	54.00M	60.40M	40.00M	10.03M	48.99M	24.12M
Total Liabilities	799.82M	737.70M	721.74M	674.18M	667.12M	769.84M
Stockholders Equity	125.41M	129.12M	121.52M	117.10M	120.97M	80.78M
Cash Flow
Free Cash Flow	10.22M	6.37M	7.34M	6.17M	11.02M	920.00K
Operating Cash Flow	10.24M	6.79M	7.87M	7.57M	11.85M	1.37M
Investing Cash Flow	-15.66M	-33.24M	-28.14M	-93.72M	-9.62M	-110.38M
Financing Cash Flow	37.96M	17.85M	43.97M	701.00K	-68.70M	239.15M

Affinity Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.68
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AFBI, the sentiment is Positive. The current price of 18.68 is below the 20-day moving average (MA) of 18.81, below the 50-day MA of 19.31, and above the 200-day MA of 18.52, indicating a neutral trend. The MACD of -0.15 indicates Negative momentum. The RSI at 47.82 is Neutral, neither overbought nor oversold. The STOCH value of 48.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AFBI.

Affinity Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	63 Neutral	$112.39M	11.05	6.52%	1.68%	2.85%	73.57%
FNWD	62 Neutral	$150.51M	18.28	5.05%	1.39%	-7.07%	-29.17%
RVSB	61 Neutral	$113.09M	24.32	2.90%	1.48%	8.77%	369.81%
AFBI	58 Neutral	$115.52M	16.28	5.95%	―	5.18%	36.12%
SRBK	56 Neutral	$117.69M	39.72	1.57%	0.99%	9.43%	166.36%
PNBK	55 Neutral	$137.99M	-0.13	-82.98%	―	-11.96%	-500.26%

Affinity Bancshares Corporate Events

Affinity Bancshares Reports Strong Q3 2025 Earnings

Affinity Bancshares, Inc. is a Maryland-based corporation operating in the financial sector, primarily through its subsidiary, Affinity Bank, which provides banking services across several locations in Georgia.

Affinity Bancshares Extends Executive Employment Agreements

On September 25, 2025, Affinity Bancshares, Inc. announced the extension of employment agreements for key executives, including the CEO and CFO, with new expiration dates set for 2027 and 2028. This decision reflects the company’s commitment to maintaining leadership stability, which could positively impact its operational consistency and strategic planning.

The most recent analyst rating on (AFBI) stock is a Buy with a $22.00 price target. To see the full list of analyst forecasts on Affinity Bancshares stock, see the AFBI Stock Forecast page.