5610 Stock Chart & Stats
€15.80
€0.10(0.60%)
At close: 4:00 PM EST
€15.80
€0.10(0.60%)
Day’s Range― - ―
52-Week Range€15.50 - €20.20
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€122.96M
Enterprise Value€188.61
Total Cash (Recent Filing)€42.85M
Total Debt (Recent Filing)€54.00M
Price to Earnings (P/E)16.3
Beta0.32
Next Earnings
Oct 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.41
Shares Outstanding6,094,885
10 Day Avg. Volume2
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.99
Price to Sales (P/S)2.37
P/FCF Ratio11.20
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Free Cash Flow ConversionVery high earnings-to-FCF conversion (~0.98x) and TTM FCF of about $13.9M indicate strong cash generation and earnings quality. Durable cash flow supports capital allocation, buffers cyclical stress, funds integration costs or buybacks, and underpins sustainable operations over months.
Improving Profitability MarginsMaterial margin improvement (net margin ~16.7%, EBIT ~21.4%) shows better operating efficiency and pricing or cost control. Sustained margins enhance earnings stability and return generation even if revenue growth is uneven, supporting durable profitability over the medium term.
Merger Progress Increases ScaleRegulatory non-objections and shareholder approval materially de-risk the planned combination, promising scale, broader product reach and potential cost synergies. This structural consolidation can strengthen market position and diversify revenue sources over the coming quarters.
Bears Say
Steep TTM Revenue DeclineA roughly 45% TTM revenue drop is a significant durability concern: it can erode absolute earnings, reduce operating leverage benefits and strain client relationships. Even with margin gains, sustained top-line weakness limits long-term growth and increases reliance on non-core actions to preserve earnings.
Merger Integration And Execution RiskWhile the deal increases scale, integration risks are structural: customer attrition, unachieved cost synergies, cultural mismatch and regulatory issues can depress medium-term returns, require extra capital or management focus, and offset the deal's intended strategic benefits.
Moderate Return On EquityROE near 6.9% signals only modest capital efficiency. That level constrains the firm's ability to generate high shareholder returns or rapidly grow equity via retained earnings, making sustained improvement or scale gains necessary to materially lift long-term profitability versus peers.
Affinity Bancshares News
5610 FAQ
What was Affinity Bancshares’s price range in the past 12 months?
Affinity Bancshares lowest stock price was €15.50 and its highest was €20.20 in the past 12 months.
What is Affinity Bancshares’s market cap?
Affinity Bancshares’s market cap is €122.96M.
When is Affinity Bancshares’s upcoming earnings report date?
Affinity Bancshares’s upcoming earnings report date is Oct 22, 2026 which is in 84 days.
How were Affinity Bancshares’s earnings last quarter?
Currently, no data Available
Is Affinity Bancshares overvalued?
According to Wall Street analysts Affinity Bancshares’s price is currently Overvalued.
Does Affinity Bancshares pay dividends?
Affinity Bancshares does not currently pay dividends.
What is Affinity Bancshares’s EPS estimate?
Affinity Bancshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Affinity Bancshares have?
Affinity Bancshares has 6,094,885 shares outstanding.
What happened to Affinity Bancshares’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Affinity Bancshares?
Currently, no hedge funds are holding shares in DE:5610
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Affinity Bancshares Stock Smart Score
Neutral
1
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5
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8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
2.77%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
1.33%
Trailing 12-Months
Company Description
Affinity Bancshares
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.
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