NASDAQ: AFBIAffinity Bancshares Inc Stock
$23.00+0.00 (+0%)
Updated Jul 31, 2026
AFBI Price
$23.00
Fair Value Price
$26.11
Market Cap
$140.18M
52 Week Low
$18.35
52 Week High
$23.00
P/E
16.31x
P/B
1.08x
P/S
4.06x
PEG
2.44x
Dividend Yield
N/A
Revenue
$33.39M
Earnings
$8.78M
Gross Margin
100%
Operating Margin
35.43%
Profit Margin
26.3%
Debt to Equity
6.14
Operating Cash Flow
$14M
Beta
0.16
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
AFBI Overview
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate 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. Further, it operates FitnessBank, a virtual bank which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. 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
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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
D
AFBI
RankedUnranked of 287
RankedUnranked of 287
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $91.90 | A | |
| $30.12 | B | |
| $58.31 | B |
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AFBI News
Overview
Due Diligence Score
–
Industry Average (38)
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 ($23.00) is undervalued by 11.92% relative to our estimate of its Fair Value price of $26.11 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
AFBI ($23.00) is not significantly undervalued (11.92%) relative to our estimate of its Fair Value price of $26.11 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
AFBI ($23.00) 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
$23.00
Fair Value
$26.11
Undervalued by
11.92%
AFBI ($23.00) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
AFBI ($23.00) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
AFBI ($23.00) 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
16.31x
Industry
13.96x
Market
16.06x
AFBI is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
AFBI is poor 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
1.08x
Industry
1.35x
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
$8.2M
Net Income
$2.3M
Profit Margin
27.8%
AFBI's Earnings (EBIT) of $11.83M... subscribe to Premium to read more.
Interest Coverage Financials
AFBI's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$924.7M
Liabilities
$795.2M
Debt to equity
6.14
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
$4.4M
Investing
-$8.2M
Financing
$39.3M
AFBI's operating cash flow ($14.13M)... subscribe to Premium to read more.
Debt Coverage Financials
AFBI vs Bank Stocks
Affinity Bancshares Stock FAQ
Company
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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.