NASDAQ: AFBIAffinity Bancshares Inc Stock
$18.03-0.37 (-2.01%)
Updated Apr 21, 2025
AFBI Price
$18.03
Fair Value Price
$27.37
Market Cap
$115.16M
52 Week Low
$16.55
52 Week High
$22.50
P/E
21.21x
P/B
0.89x
P/S
3.65x
PEG
0.38x
Dividend Yield
8.32%
Revenue
$30.74M
Earnings
$5.44M
Gross Margin
100%
Operating Margin
22.71%
Profit Margin
17.7%
Debt to Equity
5.71
Operating Cash Flow
$7M
Beta
0.15
Next Earnings
Apr 24, 2025
Ex-Dividend
N/A
Next Dividend
N/A
AFBI Overview
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, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine AFBI's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More
Zen Rating Component Grades
D
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
AFBI
Ranked#271 of 296
Ranked#271 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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AFBI News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how AFBI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
AFBI ($18.03) is undervalued by 34.13% relative to our estimate of its Fair Value price of $27.37 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
AFBI ($18.03) is significantly undervalued by 34.13% relative to our estimate of its Fair Value price of $27.37 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
AFBI ($18.03) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more AFBI due diligence checks available for Premium users.
Valuation
AFBI fair value
Fair Value of AFBI stock based on Discounted Cash Flow (DCF)
Price
$18.03
Fair Value
$27.37
Undervalued by
34.13%
AFBI ($18.03) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
AFBI ($18.03) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
AFBI ($18.03) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
AFBI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
21.21x
Industry
13.07x
Market
27.14x
AFBI is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
AFBI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
AFBI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.89x
Industry
1.07x
AFBI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
AFBI price to earnings growth (PEG)
For valuing profitable companies with growth potential
AFBI is good value based... subscribe to Premium to read more.
PEG Value Valuation
AFBI's financial health
Profit margin
Revenue
$7.4M
Net Income
$1.3M
Profit Margin
18.3%
AFBI's Earnings (EBIT) of $6.98M... subscribe to Premium to read more.
Interest Coverage Financials
AFBI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$866.8M
Liabilities
$737.7M
Debt to equity
5.71
AFBI's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
AFBI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$865.0k
Investing
-$1.5M
Financing
-$10.3M
AFBI's operating cash flow ($6.79M)... subscribe to Premium to read more.
Debt Coverage Financials
AFBI vs Bank Stocks
Affinity Bancshares Stock FAQ
Company
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