Affinity Bancshares, Inc.
Data quality: 83%
AFBI
Nasdaq
Financial Services
Depository Institutions
$22.31
▲
$0.01
(0.04%)
Mkt Cap: 135.98 M
Price
$22.31
Mkt Cap
135.98 M
Day Range
$22.30 — $22.33
52-Week Range
$17.50 — $22.50
Volume
13,622
Open $22.30
50D / 200D Avg
$20.16
10.65% above
50D / 200D Avg
$19.60
13.83% above
Quick Summary
Key Takeaways
Earnings grew 53.13% over the past year
Generating 11.22 M in free cash flow
Cash machine — converts 134.64% of earnings into free cash flow
Growth
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)53.13%
FCF Growth (3Y)23.59%
Quality
Return on Equity
6.68%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Safety
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Valuation
PE (TTM)
16.32
Above sector avg (11.15)
P/B Ratio1.08
EV/EBITDAN/A
Dividend YieldN/A
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (2144 peers)
Peer Comparison
vs Financial Services sector median (2144 peers)| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 16.3 | 11.1 |
| P/B | 1.1 | 1.2 |
| ROE % | 6.7 | 9.2 |
| Net Margin % | — | 9.4 |
| Rev Growth 5Y % | — | 5.8 |
| D/E | — | 0.5 |
All Fundamental Metrics
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | N/A | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | 53.13% | Earnings Growth (3Y) | 13.67% |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | 2.42% |
| Profitability | |||
| Revenue (TTM) | N/A | Net Income (TTM) | 8.33 M |
| ROE | 6.68% | ROA | 0.90% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | N/A | Free Cash Flow (TTM) | 11.22 M |
| ROIC | N/A | FCF Growth (3Y) | 23.59% |
| Safety | |||
| Debt / Equity | N/A | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | N/A |
| Working Capital | N/A | Tangible Book Value | 108.21 M |
| Dividends | |||
| Dividend Yield | N/A | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 16.32 | Forward P/E | N/A |
| P/B Ratio | 1.08 | P/S Ratio | N/A |
| PEG Ratio | 6.74 | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 8.25% | ||
| Market Cap | 135.98 M | Enterprise Value | 51.13 M |
| Per Share | |||
| EPS (Diluted TTM) | 1.29 | Revenue / Share | N/A |
| FCF / Share | 1.84 | OCF / Share | 1.91 |
| EPS CAGR (1Y) | 55.42% | EPS CAGR (5Y) | 4.30% |
| EPS CAGR (10Y) | N/A | ||
| Efficiency | |||
| CapEx / Revenue | N/A | FCF Conversion | 134.64% |
| SBC-Adj. FCF | N/A | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net Income | 8.33 M | 5.44 M | 6.45 M | 7.13 M | 7.57 M |
| EPS (Diluted) | 1.29 | 0.83 | 0.98 | 1.06 | 1.09 |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | — | — | — | — | — |
| Interest Expense | 31.14 M | 29.17 M | 15.50 M | 2.38 M | 3.18 M |
| Income Tax | 2.91 M | 1.54 M | 1.94 M | 2.19 M | 2.34 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 881.70 M | 866.82 M | 843.26 M | 791.28 M | 788.09 M |
| Total Liabilities | 754.68 M | 737.70 M | 721.74 M | 674.18 M | 667.12 M |
| Shareholders' Equity | 127.02 M | 129.12 M | 121.52 M | 117.10 M | 120.97 M |
| Total Debt | — | — | — | — | — |
| Cash & Equivalents | 53.85 M | 41.43 M | 50.03 M | 26.32 M | 111.78 M |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
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