Affinity Bancshares (AFBI)
NASDAQ:AFBI
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Affinity Bancshares
(NASDAQ:AFBI)
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Rating:70Outperform
Price Target:
$24.50
▲(24.05% Upside)
Action:Upgraded
Date:05/09/26
Overall score reflects solid financial quality (improving margins and strong cash conversion, with manageable leverage) and a supportive M&A catalyst (all-cash deal at $23/share). Offsetting factors are the sharp TTM revenue decline and somewhat stretched technical momentum (RSI above 70), while valuation appears only moderate based on the provided P/E and limited income data.
Positive Factors
Cash generation quality
High 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.
Negative Factors
Sharp revenue decline
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation quality
High 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.
Read all positive factors
Affinity Bancshares (AFBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$136.95M
Dividend YieldN/A
Average Volume (3M)3.44K
Price to Earnings (P/E)15.6
Beta (1Y)0.18
Revenue Growth4.88%
EPS Growth53.05%
CountryUS
Employees88
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Affinity Bancshares Business Overview & Revenue Model
Company Description
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, ...
How the Company Makes Money
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Affinity Bancshares Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
71
Positive
Cash Flow
76
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 52.70M | 52.93M | 49.99M | 45.17M | 34.54M | 35.13M |
| Gross Profit | 32.73M | 32.94M | 30.74M | 29.71M | 31.45M | 30.88M |
| EBITDA | 11.69M | 11.24M | 7.72M | 9.12M | 9.66M | 10.59M |
| Net Income | 8.79M | 8.33M | 5.44M | 6.45M | 7.13M | 7.57M |
Balance Sheet | ||||||
| Total Assets | 924.68M | 881.70M | 866.82M | 843.26M | 791.28M | 788.09M |
| Cash, Cash Equivalents and Short-Term Investments | 42.85M | 71.04M | 77.93M | 98.59M | 72.52M | 160.33M |
| Total Debt | 54.00M | 54.00M | 58.81M | 40.00M | 10.03M | 48.99M |
| Total Liabilities | 795.21M | 754.68M | 737.70M | 721.74M | 674.18M | 667.12M |
| Stockholders Equity | 129.46M | 127.02M | 129.12M | 121.52M | 117.10M | 120.97M |
Cash Flow | ||||||
| Free Cash Flow | 13.82M | 11.22M | 6.37M | 7.34M | 6.17M | 11.02M |
| Operating Cash Flow | 14.13M | 11.64M | 6.79M | 7.87M | 7.57M | 11.85M |
| Investing Cash Flow | 1.25M | -1.24M | -33.24M | -28.14M | -93.72M | -9.62M |
| Financing Cash Flow | -731.00K | 2.02M | 17.85M | 43.97M | 701.00K | -68.70M |
Affinity Bancshares Technical Analysis
Positive
19.75
Price Trends
21.95
Positive
21.02
Positive
20.30
Positive
Market Momentum
0.13
Positive
68.37
Neutral
76.19
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 19.75 is below the 20-day moving average (MA) of 22.46, below the 50-day MA of 21.95, and below the 200-day MA of 20.30, indicating a bullish trend. The MACD of 0.13 indicates Positive momentum. The RSI at 68.37 is Neutral, neither overbought nor oversold. The STOCH value of 76.19 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | $136.95M | 15.59 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $107.08M | 14.13 | 6.70% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $137.91M | 30.00 | 2.44% | 0.88% | 15.21% | 2015.08% | |
62 Neutral | $142.80M | 14.28 | 5.92% | 0.97% | 0.68% | 199.51% | |
60 Neutral | $116.19M | -26.71 | -2.73% | 1.51% | -11.57% | -191.02% | |
52 Neutral | $131.79M | -7.49 | -13.51% | ― | 2.17% | 98.76% |
* Financial Sector Average
AFBI
Affinity Bancshares
22.47
4.22
23.12%
PNBK
Patriot National Bancorp
1.12
-0.31
-21.68%
RVSB
Riverview Bancorp
5.61
0.05
0.95%
SFBC
Sound Financial Bancorp
41.73
-7.45
-15.15%
FNWD
Finward Bancorp
32.98
4.14
14.37%
SRBK
SR Bancorp, Inc.
18.79
6.31
50.52%
Affinity Bancshares Corporate Events
Business Operations and StrategyM&A Transactions
Affinity Bancshares Agrees to All-Cash Acquisition by Fidelity
Positive
Apr 1, 2026
On March 30, 2026, Affinity Bancshares and Affinity Bank agreed to be acquired by Fidelity BancShares and The Fidelity Bank in an all-cash transaction, with Affinity stockholders to receive $23.00 per share, subject to an equity-based adjustment. ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.