Affinity Bancshares, Inc. (AFBI)
NASDAQ: AFBI · Real-Time Price · USD
18.66
-0.79 (-4.06%)
Oct 16, 2025, 4:00 PM EDT - Market closed

Affinity Bancshares Statistics

Total Valuation

AFBI has a market cap or net worth of $117.48 million. The enterprise value is $85.46 million.

Market Cap117.48M
Enterprise Value 85.46M

Important Dates

The next estimated earnings date is Friday, October 24, 2025, after market close.

Earnings Date Oct 24, 2025
Ex-Dividend Date Mar 13, 2025

Share Statistics

AFBI has 6.29 million shares outstanding. The number of shares has increased by 0.68% in one year.

Current Share Class 6.29M
Shares Outstanding 6.29M
Shares Change (YoY) +0.68%
Shares Change (QoQ) -1.38%
Owned by Insiders (%) 20.46%
Owned by Institutions (%) 23.06%
Float 4.47M

Valuation Ratios

The trailing PE ratio is 18.04.

PE Ratio 18.04
Forward PE n/a
PS Ratio 3.95
Forward PS n/a
PB Ratio 0.99
P/TBV Ratio 1.14
P/FCF Ratio 11.84
P/OCF Ratio 11.38
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 12.11
EV / Sales 2.72
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 8.36

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 5.28
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 5.67%.

Return on Equity (ROE) 5.67%
Return on Assets (ROA) 0.78%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $341,489
Profits Per Employee $76,717
Employee Count92
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, AFBI has paid $2.06 million in taxes.

Income Tax 2.06M
Effective Tax Rate 22.61%

Stock Price Statistics

The stock price has decreased by -12.93% in the last 52 weeks. The beta is 0.50, so AFBI's price volatility has been lower than the market average.

Beta (5Y) 0.50
52-Week Price Change -12.93%
50-Day Moving Average 19.43
200-Day Moving Average 18.67
Relative Strength Index (RSI) 28.82
Average Volume (20 Days) 3,009

Short Selling Information

The latest short interest is 5,499, so 0.09% of the outstanding shares have been sold short.

Short Interest 5,499
Short Previous Month 9,232
Short % of Shares Out 0.09%
Short % of Float 0.12%
Short Ratio (days to cover) 1.12

Income Statement

In the last 12 months, AFBI had revenue of $31.42 million and earned $7.06 million in profits. Earnings per share was $1.08.

Revenue31.42M
Gross Profit 31.42M
Operating Income 9.12M
Pretax Income 9.12M
Net Income 7.06M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.08
Full Income Statement

Balance Sheet

The company has $89.67 million in cash and $54.00 million in debt, giving a net cash position of $35.67 million or $5.67 per share.

Cash & Cash Equivalents 89.67M
Total Debt 54.00M
Net Cash 35.67M
Net Cash Per Share $5.67
Equity (Book Value) 124.10M
Book Value Per Share 19.71
Working Capital -663.83M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $10.65 million and capital expenditures -$420,000, giving a free cash flow of $10.23 million.

Operating Cash Flow 10.65M
Capital Expenditures -420,000
Free Cash Flow 10.23M
FCF Per Share $1.63
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 29.03%
Pretax Margin 29.03%
Profit Margin 22.47%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 32.55%

Dividends & Yields

This stock pays an annual dividend of $1.50, which amounts to a dividend yield of 8.03%.

Dividend Per Share $1.50
Dividend Yield 8.03%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 139.13%
Buyback Yield -0.68%
Shareholder Yield 7.06%
Earnings Yield 5.83%
FCF Yield 8.44%
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 4