Affinity Bancshares (AFBI) AI Stock Analysis

• Market Cap: $115.71M
• Dividend Yield: N/A
• Average Volume (3M): 6.05K
• Price to Earnings (P/E): 20.3
• Beta (1Y): 0.12
• Revenue Growth: 8.74%
• EPS Growth: -1.73%
• Country: US
• Employees: 88
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.28
• Shares Outstanding: 6,316,088
• 10 Day Avg. Volume: 4,843
• 30 Day Avg. Volume: 6,049
• PEG Ratio: 2.12
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 16.59
• Enterprise Value/Market Cap: 0.83
• Enterprise Value/Revenue: 0.49
• Enterprise Value/Gross Profit: 3.09
• Enterprise Value/Ebitda: 3.02
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 59 Neutral
• Price Target: $20.00 ▲(7.82%Upside)

Affinity Bancshares' score is bolstered by strong financial performance and stable technical indicators. However, valuation concerns and lack of dividend yield slightly detract from its attractiveness. The absence of earnings call insights and corporate events limits additional context.

Affinity Bancshares Business Overview & Revenue Model

Company Description

Affinity Bancshares (AFBI) is a financial services holding company that primarily operates through its subsidiary, Affinity Bank. Headquartered in Covington, Georgia, the company offers a range of banking products and services tailored towards individuals, small businesses, and commercial clients. Affinity Bank's services include personal and business checking accounts, savings accounts, loans, mortgages, and online banking solutions, focusing on community-oriented banking within its local markets.

How the Company Makes Money

Affinity Bancshares generates revenue primarily through interest income from loans and investment securities. The company earns money by providing various loan products, including commercial, residential, and consumer loans, where interest collected on these loans serves as a primary income source. Additionally, AFBI generates non-interest income through service fees associated with deposit accounts, loan origination fees, and other banking services. The company may also engage in strategic partnerships or initiatives that enhance its service offerings and expand its customer base, further contributing to its revenue stream.

Affinity Bancshares Financial Statement Overview

Summary

Affinity Bancshares demonstrates solid revenue growth and a robust asset base, indicative of a resilient market position in the banking sector. However, increased leverage and fluctuating profitability margins could pose risks if not managed carefully. The cash flow inconsistencies highlight areas for improvement in operational efficiency and cash management strategies.

Income Statement

Affinity Bancshares has shown a consistent revenue growth trend from 2019 to 2024, with a significant increase in EBIT and net income margins over the years. However, the net profit margin has seen fluctuations, indicating some instability in profitability. The gross profit margin remains robust at 100%, reflecting strong revenue generation capabilities.

Balance Sheet

The balance sheet indicates a healthy equity base with a stable equity ratio, but the debt-to-equity ratio has increased, suggesting higher leverage levels. Return on equity shows a fluctuating trend, which might be a concern for investors seeking stable returns. The company maintains a strong asset base, contributing to its financial stability.

Cash Flow

The cash flow statement reveals a mixed picture with inconsistent free cash flow growth and zero reported free cash flow in the most recent year. Operating cash flow to net income ratios have shown variability, indicating potential challenges in cash conversion. Despite this, the company has managed its investing and financing activities to maintain liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	50.77M	49.99M	45.17M	34.54M	35.13M	32.48M
Gross Profit	31.18M	30.61M	29.71M	31.45M	30.88M	25.01M
EBITDA	8.40M	7.72M	9.12M	9.66M	10.59M	4.58M
Net Income	5.94M	5.44M	6.45M	7.13M	7.57M	3.09M
Balance Sheet
Total Assets	912.50M	866.82M	843.26M	791.28M	788.09M	850.63M
Cash, Cash Equivalents and Short-Term Investments	74.70M	41.42M	98.59M	72.52M	160.33M	202.26M
Total Debt	54.00M	58.81M	40.00M	10.03M	48.99M	24.12M
Total Liabilities	790.22M	737.70M	721.74M	674.18M	667.12M	769.84M
Stockholders Equity	122.28M	129.12M	121.52M	117.10M	120.97M	80.78M
Cash Flow
Free Cash Flow	7.06M	6.37M	7.34M	6.17M	11.02M	920.00K
Operating Cash Flow	7.49M	6.79M	7.87M	7.57M	11.85M	1.37M
Investing Cash Flow	-29.27M	-33.24M	-28.14M	-93.72M	-9.62M	-110.38M
Financing Cash Flow	35.09M	17.85M	43.97M	701.00K	-68.70M	239.15M

Affinity Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 18.55
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AFBI, the sentiment is Neutral. The current price of 18.55 is above the 20-day moving average (MA) of 18.36, above the 50-day MA of 18.37, and below the 200-day MA of 18.56, indicating a bearish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 48.16 is Neutral, neither overbought nor oversold. The STOCH value of 8.94 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AFBI.

Affinity Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SRBK	69 Neutral	$111.27M	682.32	-0.05%	1.48%	―	―
Sector *	67 Neutral	$17.07B	11.91	9.69%	3.75%	11.66%	-9.47%
AFBI	59 Neutral	$115.71M	20.31	4.84%	―	8.74%	-1.73%
BSBK	56 Neutral	$103.29M	―	-0.73%	―	-9.96%	-23.54%
BSBK	56 Neutral	$103.29M	―	-0.73%	―	-9.96%	-23.54%
RBKB	52 Neutral	$132.96M	―	-6.20%	―	-17.91%	-257.99%
RVSB	49 Neutral	$120.61M	24.70	3.11%	1.39%	9.61%	29.84%
RVSB	49 Neutral	$120.61M	24.70	3.11%	1.39%	9.61%	29.84%

Affinity Bancshares Corporate Events

Affinity Bancshares Holds Annual Stockholders Meeting

On May 20, 2025, Affinity Bancshares, Inc. held its Annual Meeting of Stockholders. During the meeting, the election of directors for a three-year term was conducted, with Marshall L. Ginn and Mark J. Ross receiving significant votes. Additionally, the appointment of Wipfli LLP as the independent registered public accounting firm for the year ending December 31, 2025, was ratified. An advisory, non-binding resolution on executive compensation was also addressed.