NASDAQ: AFBIAffinity Bancshares Inc Stock
$13.58+0.02 (+0.15%)
Updated Mar 17, 2023
AFBI Price
$13.58
Fair Value Price
$17.10
Market Cap
$90.09M
52 Week Low
$12.85
52 Week High
$16.50
P/E
13.45x
P/B
0.78x
P/S
3.17x
PEG
0.18x
Dividend Yield
N/A
Revenue
$30.74M
Earnings
$6.75M
Gross Margin
100%
Operating Margin
28.87%
Profit Margin
22%
Debt to Equity
5.74
Operating Cash Flow
$7M
Beta
0.09
Next Earnings
Apr 20, 2023
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 Score
–
Industry Average (38)
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Due Diligence Checks
AFBI ($13.58) is undervalued by 20.6% relative to our estimate of its Fair Value price of $17.10 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
AFBI ($13.58) is significantly undervalued by 20.6% relative to our estimate of its Fair Value price of $17.10 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
AFBI ($13.58) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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AFBI News
Valuation
AFBI fair value
Fair Value of AFBI stock based on Discounted Cash Flow (DCF)
Price
$13.58
Fair Value
$17.10
Undervalued by
20.60%
AFBI ($13.58) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
AFBI ($13.58) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
AFBI ($13.58) 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
13.45x
Industry
21.25x
Market
21.81x
AFBI is good 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
0.78x
Industry
0.95x
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
$7.9M
Net Income
$1.9M
Profit Margin
23.5%
AFBI's Earnings (EBIT) of $8.88M... 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
$776.4M
Liabilities
$661.2M
Debt to equity
5.74
AFBI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$2.4M
Investing
-$26.6M
Financing
$9.3M
AFBI's operating cash flow ($6.91M)... subscribe to Premium to read more.
Debt Coverage Financials
AFBI vs Bank Stocks
Affinity Bancshares Stock FAQ
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