AFBI logo

Affinity Bancshares, Inc.NasdaqCM:AFBI Stock Report

Market Cap US$119.0m
Share Price
US$19.04
My Fair Value
US$12
56.9% overvalued intrinsic discount
1Y-10.7%
7D0.2%
Portfolio Value
View

Affinity Bancshares, Inc.

NasdaqCM:AFBI Stock Report

Market Cap: US$119.0m

Affinity Bancshares (AFBI) Stock Overview

Operates as the holding company for Affinity Bank that provides various banking products and services in Georgia. More details

AFBI fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends2/6

AFBI Community Fair Values

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Affinity Bancshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Affinity Bancshares
Historical stock prices
Current Share PriceUS$19.04
52 Week HighUS$22.50
52 Week LowUS$17.00
Beta0.41
1 Month Change0.47%
3 Month Change3.93%
1 Year Change-10.65%
3 Year Change28.30%
5 Year Change189.80%
Change since IPO43.27%

Recent News & Updates

Affinity Bancshares, Inc.'s (NASDAQ:AFBI) CEO Compensation Looks Acceptable To Us And Here's Why

May 14
Affinity Bancshares, Inc.'s (NASDAQ:AFBI) CEO Compensation Looks Acceptable To Us And Here's Why

Recent updates

Affinity Bancshares, Inc.'s (NASDAQ:AFBI) CEO Compensation Looks Acceptable To Us And Here's Why

May 14
Affinity Bancshares, Inc.'s (NASDAQ:AFBI) CEO Compensation Looks Acceptable To Us And Here's Why

Affinity Bancshares GAAP EPS of $0.27, revenue of $7.79M

Jul 27

Affinity Bancshares: Worth Keeping An Eye On, But Not A Buy Right Now

Jan 17

If You Like EPS Growth Then Check Out Affinity Bancshares (NASDAQ:AFBI) Before It's Too Late

Mar 22
If You Like EPS Growth Then Check Out Affinity Bancshares (NASDAQ:AFBI) Before It's Too Late

Robin Reich Is The Independent Director of Affinity Bancshares, Inc. (NASDAQ:AFBI) And They Just Picked Up 769% More Shares

Jan 28
Robin Reich Is The Independent Director of Affinity Bancshares, Inc. (NASDAQ:AFBI) And They Just Picked Up 769% More Shares

Affinity Bancshares'(NASDAQ:AFBI) Share Price Is Down 10% Over The Past Three Years.

Jan 27
Affinity Bancshares'(NASDAQ:AFBI) Share Price Is Down 10% Over The Past Three Years.

Shareholder Returns

AFBIUS BanksUS Market
7D0.2%-0.6%-1.6%
1Y-10.7%23.2%15.1%

Return vs Industry: AFBI underperformed the US Banks industry which returned 23.2% over the past year.

Return vs Market: AFBI underperformed the US Market which returned 15.1% over the past year.

Price Volatility

Is AFBI's price volatile compared to industry and market?
AFBI volatility
AFBI Average Weekly Movement2.0%
Banks Industry Average Movement3.6%
Market Average Movement6.4%
10% most volatile stocks in US Market17.4%
10% least volatile stocks in US Market3.0%

Stable Share Price: AFBI has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: AFBI's weekly volatility (2%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
192890Ed Cooneymyaffinitybank.com

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services in Georgia. The company’s deposit products include 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 residential real estate, commercial and industrial, residential mortgage, construction and land, and consumer loans, as well as balloon and adjustable-rate loans.

Affinity Bancshares, Inc. Fundamentals Summary

How do Affinity Bancshares's earnings and revenue compare to its market cap?
AFBI fundamental statistics
Market capUS$118.99m
Earnings (TTM)US$7.06m
Revenue (TTM)US$31.42m
17.0x
P/E Ratio
1.0x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AFBI income statement (TTM)
RevenueUS$31.42m
Cost of RevenueUS$0
Gross ProfitUS$31.42m
Other ExpensesUS$24.36m
EarningsUS$7.06m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)1.12
Gross Margin100.00%
Net Profit Margin22.47%
Debt/Equity Ratio43.5%

How did AFBI perform over the long term?

See historical performance and comparison

Dividends

7.9%
Current Dividend Yield
n/a
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/22 21:46
End of Day Share Price 2025/08/22 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Affinity Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.