NASDAQ: AFBIAffinity Bancshares Inc Stock
$18.64+0.16 (+0.87%)
Updated Jun 27, 2025
AFBI Price
$18.64
Fair Value Price
$16.69
Market Cap
$117.70M
52 Week Low
$17.00
52 Week High
$22.50
P/E
20.04x
P/B
0.96x
P/S
3.65x
PEG
50.44x
Dividend Yield
8.05%
Revenue
$31.18M
Earnings
$5.94M
Gross Margin
100%
Operating Margin
24.47%
Profit Margin
19%
Debt to Equity
6.46
Operating Cash Flow
$7M
Beta
0.14
Next Earnings
Jul 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
- AFBI doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
N/A
N/A
N/A
N/A
N/A
N/A
N/A
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
RankedUnranked of 295
RankedUnranked of 295
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $37.83 | B | |
| $36.21 | B | |
| $15.62 | B |
Be the first to know about important AFBI news, forecast changes, insider trades & much more!
AFBI News
Overview
Due Diligence Score
–
Industry Average (36)
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 ($18.64) is overvalued by 11.64% relative to our estimate of its Fair Value price of $16.69 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
AFBI ($18.64) is not significantly undervalued (11.64%) relative to our estimate of its Fair Value price of $16.69 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
AFBI ($18.64) is trading above... 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
$18.64
Fair Value
$16.69
Overvalued by
11.67%
AFBI ($18.64) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
AFBI ($18.64) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
AFBI ($18.64) is trading above... 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
20.04x
Industry
12.63x
Market
32.24x
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
0.96x
Industry
1.2x
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 poor value relative... subscribe to Premium to read more.
PEG Value Valuation
AFBI's financial health
Profit margin
Revenue
$7.8M
Net Income
$1.8M
Profit Margin
23.6%
AFBI's Earnings (EBIT) of $7.63M... 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
$912.5M
Liabilities
$790.2M
Debt to equity
6.46
AFBI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$1.9M
Investing
-$10.7M
Financing
$42.1M
AFBI's operating cash flow ($7.49M)... subscribe to Premium to read more.
Debt Coverage Financials
AFBI vs Bank Stocks
Affinity Bancshares Stock FAQ
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsPerformanceHelp GuidesContactTwitterYouTubeNewsletterWallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.