Affinity Bancshares (AFBI)
NASDAQ:AFBI
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Affinity Bancshares
(NASDAQ:AFBI)
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Rating:66Neutral
Price Target:
$21.00
▲(6.33% Upside)
Action:ReiteratedDate:04/01/26
The score is driven primarily by improving 2025 financial performance (better earnings and cash generation) tempered by rising leverage versus 2022, margin compression versus earlier years, and cash-flow volatility. Corporate actions are supportive (agreed all-cash acquisition and a buyback program), while technicals are mixed and valuation appears reasonable based on the provided P/E.
Positive Factors
All-cash acquisition agreed
The all-cash sale materially de-risks execution and provides immediate liquidity to shareholders. Board unanimity and transaction terms (incl. termination fee and director voting agreements) raise the probability of closing and reduce long-run strategic uncertainty for the franchise.
Negative Factors
Rising leverage vs 2022
Higher leverage reduces balance-sheet flexibility and increases sensitivity to rate or credit shocks. With equity flat to slightly down, incremental borrowing could constrain regulatory buffers and limit the firm's ability to absorb losses or pursue growth without dilutive capital actions.
Read all positive and negative factors
Positive Factors
Negative Factors
All-cash acquisition agreed
The all-cash sale materially de-risks execution and provides immediate liquidity to shareholders. Board unanimity and transaction terms (incl. termination fee and director voting agreements) raise the probability of closing and reduce long-run strategic uncertainty for the franchise.
Read all positive factors
Affinity Bancshares (AFBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$135.98M
Dividend YieldN/A
Average Volume (3M)3.44K
Price to Earnings (P/E)14.7
Beta (1Y)0.18
Revenue Growth5.18%
EPS Growth36.12%
CountryUS
Employees88
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.34
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/Revenue3.46
Enterprise Value/Gross Profit5.56
Enterprise Value/Ebitda15.46
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
null...
Affinity Bancshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
58
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 52.93M | 49.99M | 45.17M | 34.54M | 35.13M |
| Gross Profit | 32.94M | 30.74M | 29.71M | 31.45M | 30.88M |
| EBITDA | 11.24M | 7.72M | 9.12M | 9.66M | 10.59M |
| Net Income | 8.33M | 5.44M | 6.45M | 7.13M | 7.57M |
Balance Sheet | |||||
| Total Assets | 881.70M | 866.82M | 843.26M | 791.28M | 788.09M |
| Cash, Cash Equivalents and Short-Term Investments | 45.68M | 41.42M | 98.59M | 72.52M | 160.33M |
| Total Debt | 54.00M | 60.40M | 40.00M | 10.03M | 48.99M |
| Total Liabilities | 754.68M | 737.70M | 721.74M | 674.18M | 667.12M |
| Stockholders Equity | 127.02M | 129.12M | 121.52M | 117.10M | 120.97M |
Cash Flow | |||||
| Free Cash Flow | 11.22M | 6.37M | 7.34M | 6.17M | 11.02M |
| Operating Cash Flow | 11.64M | 6.79M | 7.87M | 7.57M | 11.85M |
| Investing Cash Flow | -1.24M | -33.24M | -28.14M | -93.72M | -9.62M |
| Financing Cash Flow | 2.02M | 17.85M | 43.97M | 701.00K | -68.70M |
Affinity Bancshares Technical Analysis
Positive
19.75
Price Trends
20.29
Positive
20.24
Positive
19.68
Positive
Market Momentum
0.71
Negative
73.65
Negative
95.09
Negative
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 20.48, below the 50-day MA of 20.29, and above the 200-day MA of 19.68, indicating a bullish trend. The MACD of 0.71 indicates Negative momentum. The RSI at 73.65 is Negative, neither overbought nor oversold. The STOCH value of 95.09 is Negative, 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $135.98M | 14.73 | 6.68% | ― | 5.18% | 36.12% | |
65 Neutral | $114.63M | 15.59 | 6.70% | 1.75% | 2.85% | 73.41% | |
60 Neutral | $116.81M | 18.92 | 2.98% | 1.51% | 8.77% | 369.81% | |
59 Neutral | $134.23M | 35.78 | 1.57% | 0.88% | 9.43% | 166.36% | |
58 Neutral | $151.57M | 18.95 | 5.01% | 0.97% | -7.20% | -29.17% | |
52 Neutral | $155.72M | -15.62 | -15.10% | ― | -11.99% | 63.64% |
* Financial Sector Average
AFBI
Affinity Bancshares
22.31
4.81
27.49%
PNBK
Patriot National Bancorp
1.33
-0.11
-7.64%
RVSB
Riverview Bancorp
5.64
0.03
0.61%
SFBC
Sound Financial Bancorp
44.67
-4.72
-9.55%
FNWD
Finward Bancorp
35.00
6.45
22.60%
SRBK
SR Bancorp, Inc.
17.72
5.94
50.39%
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. ...
Business Operations and StrategyStock Buyback
Affinity Bancshares Authorizes New Common Stock Repurchase Program
Positive
Jan 7, 2026
On January 7, 2026, Affinity Bancshares, Inc. announced that its board had adopted a stock repurchase program authorizing the company to buy back up to 304,524 shares of its common stock, representing about 5% of its outstanding shares. The progra...
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.