Affinity Bancshares (AFBI) AI Stock Analysis

• Market Cap: $118.42M
• Dividend Yield: N/A
• Average Volume (3M): 6.15K
• Price to Earnings (P/E): 16.3
• Beta (1Y): 0.11
• Revenue Growth: 5.18%
• EPS Growth: 36.12%
• Country: US
• Employees: 88
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.33
• Shares Outstanding: 6,292,422
• 10 Day Avg. Volume: 13,983
• 30 Day Avg. Volume: 6,151
• PEG Ratio: -1.38
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 2.25
• P/FCF Ratio: 17.62
• Enterprise Value/Market Cap: 1.47
• Enterprise Value/Revenue: 3.48
• Enterprise Value/Gross Profit: 23.70
• Enterprise Value/Ebitda: 16.86
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: $20.00 ▲(7.07% Upside)

Affinity Bancshares' strong financial performance, particularly in revenue and cash flow growth, is a key strength. However, technical indicators show bearish trends, and valuation metrics suggest moderate attractiveness. The lack of earnings call and corporate events data limits further insights.

Affinity Bancshares Business Overview & Revenue Model

Company Description

Affinity Bancshares (AFBI) is a financial services holding company based in the United States, primarily focused on providing a range of banking and financial solutions. The company operates through its subsidiary, which offers various products and services, including personal and commercial banking, mortgage lending, and wealth management. Affinity Bancshares aims to serve both individual customers and businesses, emphasizing customer-centric solutions and community engagement.

How the Company Makes Money

Affinity Bancshares generates revenue through multiple key streams, primarily from interest income on loans and mortgages issued to customers. The company earns interest from its loan portfolio, which includes personal loans, commercial loans, and residential mortgages. Additionally, AFBI generates non-interest income through fees associated with account maintenance, transaction services, and wealth management services. Partnerships with local businesses and community organizations also contribute to its customer base and revenue through increased lending activities and cross-selling opportunities. The bank's focus on community-oriented banking helps foster customer loyalty and retention, further enhancing its earnings potential.

Affinity Bancshares Financial Statement Overview

Summary

Affinity Bancshares exhibits strong revenue growth and cash flow generation, positioning it well for future expansion. However, challenges with declining net profit margins and increasing leverage could impact long-term profitability and financial stability.

Income Statement

Affinity Bancshares has demonstrated strong revenue growth with a TTM revenue growth rate of 85.7%. The gross profit margin remains robust at 61.4%, indicating efficient cost management. However, the net profit margin has decreased from previous years, suggesting increased expenses or other financial pressures. Overall, the company shows solid revenue growth but needs to focus on improving net profitability.

Balance Sheet

The company's debt-to-equity ratio of 0.44 indicates moderate leverage, which is manageable but has increased over the years. The return on equity (ROE) is relatively low at 5.6%, suggesting room for improvement in generating returns for shareholders. The equity ratio is stable, reflecting a solid capital structure. While the balance sheet is generally stable, the increasing leverage and low ROE are areas to watch.

Cash Flow

Affinity Bancshares shows a strong free cash flow growth rate of 44.94% in the TTM, indicating improved cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential issues in converting income to cash. However, the free cash flow to net income ratio is high at 96.1%, reflecting efficient cash management. Overall, the cash flow position is strong, but the conversion of operating cash flow needs attention.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	50.23M	49.99M	45.17M	34.54M	35.13M	32.48M
Gross Profit	7.37M	30.61M	29.71M	31.45M	30.88M	25.01M
EBITDA	10.36M	7.72M	9.12M	9.66M	10.59M	4.58M
Net Income	7.55M	5.44M	6.45M	7.13M	7.57M	3.09M
Balance Sheet
Total Assets	925.22M	866.82M	843.26M	791.28M	788.09M	850.63M
Cash, Cash Equivalents and Short-Term Investments	50.76M	41.42M	98.59M	72.52M	160.33M	202.26M
Total Debt	54.00M	60.40M	40.00M	10.03M	48.99M	24.12M
Total Liabilities	799.82M	737.70M	721.74M	674.18M	667.12M	769.84M
Stockholders Equity	125.41M	129.12M	121.52M	117.10M	120.97M	80.78M
Cash Flow
Free Cash Flow	10.22M	6.37M	7.34M	6.17M	11.02M	920.00K
Operating Cash Flow	10.24M	6.79M	7.87M	7.57M	11.85M	1.37M
Investing Cash Flow	-15.66M	-33.24M	-28.14M	-93.72M	-9.62M	-110.38M
Financing Cash Flow	37.96M	17.85M	43.97M	701.00K	-68.70M	239.15M

Affinity Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 18.68
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AFBI, the sentiment is Neutral. The current price of 18.68 is below the 20-day moving average (MA) of 18.87, below the 50-day MA of 19.34, and above the 200-day MA of 18.50, indicating a neutral trend. The MACD of -0.19 indicates Positive momentum. The RSI at 44.94 is Neutral, neither overbought nor oversold. The STOCH value of 19.90 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AFBI.

Affinity Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	63 Neutral	$112.39M	11.05	6.52%	1.69%	2.85%	73.57%
AFBI	62 Neutral	$118.42M	16.28	5.95%	―	5.18%	36.12%
FNWD	62 Neutral	$144.71M	17.57	5.05%	1.43%	-7.07%	-29.17%
RVSB	61 Neutral	$115.01M	24.50	2.90%	1.47%	8.77%	369.81%
SRBK	56 Neutral	$117.69M	39.72	1.57%	1.00%	9.43%	166.36%
PNBK	55 Neutral	$137.99M	-0.13	-82.98%	―	-11.96%	-500.26%

Affinity Bancshares Corporate Events

Affinity Bancshares Reports Strong Q3 2025 Earnings

Affinity Bancshares, Inc. is a Maryland-based corporation operating in the financial sector, primarily through its subsidiary, Affinity Bank, which provides banking services across several locations in Georgia.

Affinity Bancshares Extends Executive Employment Agreements

On September 25, 2025, Affinity Bancshares, Inc. announced the extension of employment agreements for key executives, including the CEO and CFO, with new expiration dates set for 2027 and 2028. This decision reflects the company’s commitment to maintaining leadership stability, which could positively impact its operational consistency and strategic planning.

The most recent analyst rating on (AFBI) stock is a Buy with a $22.00 price target. To see the full list of analyst forecasts on Affinity Bancshares stock, see the AFBI Stock Forecast page.

Affinity Bancshares Reports Strong Q2 2025 Earnings

Affinity Bancshares, Inc. is a Maryland-based holding company for Affinity Bank, operating primarily in the banking sector with a focus on providing full-service banking solutions in Georgia.