View ValuationAffinity Bancshares 将来の成長Future 基準チェック /06現在、 Affinity Bancsharesの成長と収益を予測するのに十分なアナリストの調査がありません。主要情報n/a収益成長率n/aEPS成長率Banks 収益成長8.2%収益成長率n/a将来の株主資本利益率n/aアナリストカバレッジNone最終更新日n/a今後の成長に関する最新情報更新なしすべての更新を表示Recent updatesNew Risk • Apr 26New major risk - Revenue and earnings growthEarnings have declined by 0.2% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Reported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0.38 (vs US$0.29 in 1Q 2025)First quarter 2026 results: EPS: US$0.38 (up from US$0.29 in 1Q 2025). Revenue: US$8.22m (up 5.8% from 1Q 2025). Net income: US$2.28m (up 25% from 1Q 2025). Profit margin: 28% (up from 24% in 1Q 2025). Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 14% per year.お知らせ • Mar 31The Fidelity Bank signed a definitive merger agreement to acquire Affinity Bancshares, Inc. (NasdaqCM:AFBI) for approximately $150 million.The Fidelity Bank signed a definitive merger agreement to acquire Affinity Bancshares, Inc. (NasdaqCM:AFBI) for approximately $150 million on March 30, 2026. Under the terms of the agreement, each Affinity shareholder will receive $23.00 per share in cash, subject to adjustment based on Affinity’s adjusted stockholders’ equity at closing. Following the close of the transaction, Fidelity will operate two branches in Georgia in addition to its 52 North Carolina branches, two South Carolina branches and one Virginia branch. The boards of directors of both Fidelity and Affinity have unanimously approved the transaction. The transaction is subject to regulatory approvals, Affinity stockholder approval, and other customary closing conditions. The transaction is expected to close in the third quarter of 2026. Raymond James Financial, Inc. acted as financial advisor for The Fidelity Bank. Ward & Smith acted as legal advisor for The Fidelity Bank. Performance Trust Capital Partners, LLC acted as financial advisor for Affinity Bancshares, Inc. Luse Gorman, P.C acted as legal advisor for Affinity Bancshares, Inc.Reported Earnings • Mar 25Full year 2025 earnings released: EPS: US$1.33 (vs US$0.85 in FY 2024)Full year 2025 results: EPS: US$1.33 (up from US$0.85 in FY 2024). Revenue: US$32.9m (up 7.6% from FY 2024). Net income: US$8.33m (up 53% from FY 2024). Profit margin: 25% (up from 18% in FY 2024). The increase in margin was primarily driven by higher revenue. Non-performing loans: 0.48% (down from 0.67% in FY 2024). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 11% per year, which means it is tracking significantly ahead of earnings growth.Seeking Alpha • Feb 05Affinity Bancshares: Margin Tailwinds, Valuation HeadwindsSummary Affinity Bancshares (AFBI) delivered strong FY'25 EPS growth, primarily from non-recurring cost reductions and improved NII. I maintain a neutral/hold rating on AFBI, citing overvaluation, versus peers, and subdued forward growth prospects. AFBI's loan portfolio remains resilient, with non-performing loans declining, despite high commercial real estate exposure. Forward EPS growth is modest, driven mainly by share count reduction, while deposit volatility and premium valuation warrant caution. Read the full article on Seeking AlphaReported Earnings • Jan 25Full year 2025 earnings releasedFull year 2025 results: Net income: (down US$5.44m from profit in FY 2024). Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings.New Risk • Jan 25New major risk - Revenue and earnings growthEarnings have declined by 0.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Reported Earnings • Oct 26Third quarter 2025 earnings released: EPS: US$0.35 (vs US$0.27 in 3Q 2024)Third quarter 2025 results: EPS: US$0.35 (up from US$0.27 in 3Q 2024). Revenue: US$8.35m (up 4.6% from 3Q 2024). Net income: US$2.22m (up 28% from 3Q 2024). Profit margin: 27% (up from 22% in 3Q 2024). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings.Reported Earnings • Jul 27Second quarter 2025 earnings released: EPS: US$0.34 (vs US$0.16 in 2Q 2024)Second quarter 2025 results: EPS: US$0.34 (up from US$0.16 in 2Q 2024). Revenue: US$8.30m (up 4.7% from 2Q 2024). Net income: US$2.15m (up 109% from 2Q 2024). Profit margin: 26% (up from 13% in 2Q 2024). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.Recent Insider Transactions • Jun 04Independent Director recently bought US$100k worth of stockOn the 2nd of June, Robin Reich bought around 5k shares on-market at roughly US$18.49 per share. This transaction amounted to 28% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold US$71k more in shares than they bought in the last 12 months.分析記事 • May 14Affinity Bancshares, Inc.'s (NASDAQ:AFBI) CEO Compensation Looks Acceptable To Us And Here's WhyKey Insights Affinity Bancshares will host its Annual General Meeting on 20th of May CEO Ed Cooney's total compensation...Reported Earnings • May 04First quarter 2025 earnings released: EPS: US$0.29 (vs US$0.21 in 1Q 2024)First quarter 2025 results: EPS: US$0.29 (up from US$0.21 in 1Q 2024). Revenue: US$7.77m (up 5.9% from 1Q 2024). Net income: US$1.83m (up 37% from 1Q 2024). Profit margin: 24% (up from 18% in 1Q 2024). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.Buy Or Sell Opportunity • Apr 23Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 1.3% to US$18.61. The fair value is estimated to be US$15.37, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 7.2%.お知らせ • Apr 18Affinity Bancshares, Inc., Annual General Meeting, May 20, 2025Affinity Bancshares, Inc., Annual General Meeting, May 20, 2025.Reported Earnings • Mar 27Full year 2024 earnings released: EPS: US$0.85 (vs US$1.00 in FY 2023)Full year 2024 results: EPS: US$0.85 (down from US$1.00 in FY 2023). Revenue: US$30.6m (up 3.0% from FY 2023). Net income: US$5.44m (down 16% from FY 2023). Profit margin: 18% (down from 22% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.54% (up from 3.35% in FY 2023). Non-performing loans: 0.67% (down from 1.13% in FY 2023). Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.Buy Or Sell Opportunity • Mar 17Now 21% overvaluedOver the last 90 days, the stock has fallen 18% to US$17.80. The fair value is estimated to be US$14.71, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 7.2%.お知らせ • Mar 01Affinity Bancshares, Inc. Announces Special Cash Dividend, Payable on March 27, 2025Affinity Bancshares, Inc. announced that its Board of Directors has declared the payment of a special cash dividend. The dividend of $1.50 per share will be paid on March 27, 2025 to stockholders of record as of March 13, 2025.Reported Earnings • Feb 02Full year 2024 earnings released: EPS: US$0.85 (vs US$1.00 in FY 2023)Full year 2024 results: EPS: US$0.85 (down from US$1.00 in FY 2023). Revenue: US$30.6m (up 3.0% from FY 2023). Net income: US$5.44m (down 16% from FY 2023). Profit margin: 18% (down from 22% in FY 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.Valuation Update With 7 Day Price Move • Dec 31Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to US$17.50, the stock trades at a trailing P/E ratio of 20x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 9.4% over the past three years.Recent Insider Transactions • Nov 21Independent Director recently sold US$153k worth of stockOn the 14th of November, Howard Roberts sold around 7k shares on-market at roughly US$21.50 per share. This transaction amounted to 20% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.Reported Earnings • Oct 28Third quarter 2024 earnings released: EPS: US$0.27 (vs US$0.25 in 3Q 2023)Third quarter 2024 results: EPS: US$0.27 (up from US$0.25 in 3Q 2023). Revenue: US$7.98m (up 6.0% from 3Q 2023). Net income: US$1.73m (up 6.6% from 3Q 2023). Profit margin: 22% (in line with 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has increased by 14% per year, which means it is well ahead of earnings.Buy Or Sell Opportunity • Oct 22Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 1.1% to US$21.39. The fair value is estimated to be US$17.80, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 4.3%.Buy Or Sell Opportunity • Sep 05Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 3.6% to US$21.37. The fair value is estimated to be US$17.80, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 4.3%.Reported Earnings • Jul 28Second quarter 2024 earnings released: EPS: US$0.16 (vs US$0.24 in 2Q 2023)Second quarter 2024 results: EPS: US$0.16 (down from US$0.24 in 2Q 2023). Revenue: US$7.93m (up 7.5% from 2Q 2023). Net income: US$1.03m (down 35% from 2Q 2023). Profit margin: 13% (down from 22% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 17% per year, which means it is well ahead of earnings.Valuation Update With 7 Day Price Move • May 31Investor sentiment improves as stock rises 20%After last week's 20% share price gain to US$20.61, the stock trades at a trailing P/E ratio of 21.8x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 63% over the past three years.Buy Or Sell Opportunity • May 31Now 25% overvalued after recent price riseOver the last 90 days, the stock has risen 25% to US$20.61. The fair value is estimated to be US$16.44, however this is not to be taken as a sell recommendation but rather should be used as a guide only.Reported Earnings • Apr 28First quarter 2024 earnings released: EPS: US$0.21 (vs US$0.26 in 1Q 2023)First quarter 2024 results: EPS: US$0.21 (down from US$0.26 in 1Q 2023). Revenue: US$7.33m (down 1.5% from 1Q 2023). Net income: US$1.34m (down 23% from 1Q 2023). Profit margin: 18% (down from 23% in 1Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.お知らせ • Apr 28Affinity Bancshares, Inc. Announces Net Loan Charge-Offs for the Three Months Ended March 31, 2024Affinity Bancshares, Inc. announced net loan charge-offs for the three months ended March 31, 2024. Net loan charge-offs were $326,000 for the three months ended March 31, 2024, as compared to net loan charge-offs of $91,000 for the three months ended March 31, 2023.お知らせ • Apr 13Affinity Bancshares, Inc., Annual General Meeting, May 22, 2024Affinity Bancshares, Inc., Annual General Meeting, May 22, 2024, at 10:00 US Eastern Standard Time. Agenda: the election of three directors; the ratification of the appointment of Wipfli LLP as the independent registered public accounting firm for the year ending December 31, 2024; an advisory, non-binding resolution with respect to the executive compensation.Reported Earnings • Mar 24Full year 2023 earnings released: EPS: US$1.00 (vs US$1.07 in FY 2022)Full year 2023 results: EPS: US$1.00 (down from US$1.07 in FY 2022). Revenue: US$29.7m (down 5.6% from FY 2022). Net income: US$6.45m (down 9.6% from FY 2022). Profit margin: 22% (down from 23% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.35% (down from 4.14% in FY 2022). Non-performing loans: 1.13% (up from 1.08% in FY 2022). Over the last 3 years on average, earnings per share has increased by 10% per year whereas the company’s share price has increased by 11% per year.Reported Earnings • Feb 02Full year 2023 earnings released: EPS: US$1.00 (vs US$1.07 in FY 2022)Full year 2023 results: EPS: US$1.00 (down from US$1.07 in FY 2022). Revenue: US$29.7m (down 5.6% from FY 2022). Net income: US$6.45m (down 9.6% from FY 2022). Profit margin: 22% (down from 23% in FY 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 10% per year whereas the company’s share price has increased by 15% per year.Reported Earnings • Oct 29Third quarter 2023 earnings released: EPS: US$0.25 (vs US$0.28 in 3Q 2022)Third quarter 2023 results: EPS: US$0.25 (down from US$0.28 in 3Q 2022). Revenue: US$7.53m (down 5.1% from 3Q 2022). Net income: US$1.62m (down 13% from 3Q 2022). Profit margin: 22% (down from 24% in 3Q 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 20% per year whereas the company’s share price has increased by 24% per year.Recent Insider Transactions • Sep 07Independent Director recently bought US$89k worth of stockOn the 31st of August, Robin Reich bought around 6k shares on-market at roughly US$14.86 per share. This transaction amounted to 50% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$1.1m more in shares than they have sold in the last 12 months.Reported Earnings • Jul 29Second quarter 2023 earnings released: EPS: US$0.24 (vs US$0.27 in 2Q 2022)Second quarter 2023 results: EPS: US$0.24 (down from US$0.27 in 2Q 2022). Revenue: US$7.37m (down 2.7% from 2Q 2022). Net income: US$1.59m (down 11% from 2Q 2022). Profit margin: 22% (down from 24% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.Valuation Update With 7 Day Price Move • May 04Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to US$12.06, the stock trades at a trailing P/E ratio of 11.3x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 71% over the past three years.Recent Insider Transactions • Apr 08Insider recently bought US$597k worth of stockOn the 6th of April, Kenneth Lehman bought around 41k shares on-market at roughly US$14.50 per share. This transaction amounted to 5.4% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$868k more in shares than they have sold in the last 12 months.Reported Earnings • Mar 25Full year 2022 earnings released: EPS: US$1.07 (vs US$1.10 in FY 2021)Full year 2022 results: EPS: US$1.07 (down from US$1.10 in FY 2021). Revenue: US$31.5m (up 1.9% from FY 2021). Net income: US$7.13m (down 5.8% from FY 2021). Profit margin: 23% (down from 25% in FY 2021). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 4.14% (up from 4.04% in FY 2021). Non-performing loans: 1.08% (down from 1.20% in FY 2021). Over the last 3 years on average, earnings per share has increased by 63% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions • Mar 23Insider recently bought US$126k worth of stockOn the 22nd of March, Kenneth Lehman bought around 9k shares on-market at roughly US$13.98 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$271k more in shares than they have sold in the last 12 months.Valuation Update With 7 Day Price Move • Mar 13Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to US$13.11, the stock trades at a trailing P/E ratio of 12.1x. Average trailing P/E is 9x in the Banks industry in the US. Total returns to shareholders of 60% over the past three years.Recent Insider Transactions • Feb 17CEO & Director recently bought US$79k worth of stockOn the 14th of February, Edward Cooney bought around 5k shares on-market at roughly US$15.70 per share. This transaction amounted to 5.0% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Edward's only on-market trade for the last 12 months.Reported Earnings • Feb 12Full year 2022 earnings released: EPS: US$1.07 (vs US$1.10 in FY 2021)Full year 2022 results: EPS: US$1.07 (down from US$1.10 in FY 2021). Revenue: US$31.5m (up 1.9% from FY 2021). Net income: US$7.13m (down 5.8% from FY 2021). Profit margin: 23% (down from 25% in FY 2021). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 4.14% (up from 4.04% in FY 2021). Over the last 3 years on average, earnings per share has increased by 63% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.Board Change • Feb 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 4 highly experienced directors. Independent Director Robin Reich was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 27Third quarter 2022 earnings released: EPS: US$0.28 (vs US$0.26 in 3Q 2021)Third quarter 2022 results: EPS: US$0.28 (up from US$0.26 in 3Q 2021). Revenue: US$7.93m (up 7.1% from 3Q 2021). Net income: US$1.86m (up 3.1% from 3Q 2021). Profit margin: 24% (in line with 3Q 2021). Over the last 3 years on average, earnings per share has increased by 75% per year but the company’s share price has only increased by 13% per year, which means it is significantly lagging earnings growth.Reported Earnings • Jul 29Second quarter 2022 earnings released: EPS: US$0.27 (vs US$0.34 in 2Q 2021)Second quarter 2022 results: EPS: US$0.27 (down from US$0.34 in 2Q 2021). Revenue: US$7.57m (down 1.9% from 2Q 2021). Net income: US$1.78m (down 23% from 2Q 2021). Profit margin: 24% (down from 30% in 2Q 2021). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 84% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.Seeking Alpha • Jul 27Affinity Bancshares GAAP EPS of $0.27, revenue of $7.79MAffinity Bancshares press release (NASDAQ:AFBI): Q2 GAAP EPS of $0.27. Revenue of $7.79M (-2.9% Y/Y).Reported Earnings • Apr 27First quarter 2022 earnings released: EPS: US$0.26 (vs US$0.31 in 1Q 2021)First quarter 2022 results: EPS: US$0.26 (down from US$0.31 in 1Q 2021). Revenue: US$8.10m (down 6.1% from 1Q 2021). Net income: US$1.79m (down 16% from 1Q 2021). Profit margin: 22% (down from 25% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 89% per year but the company’s share price has only increased by 13% per year, which means it is significantly lagging earnings growth.Reported Earnings • Feb 27Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$1.10 (up from US$0.41 in FY 2020). Revenue: US$30.9m (up 22% from FY 2020). Net income: US$7.57m (up 145% from FY 2020). Profit margin: 25% (up from 12% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 90% per year but the company’s share price has only increased by 15% per year, which means it is significantly lagging earnings growth.Seeking Alpha • Jan 17Affinity Bancshares: Worth Keeping An Eye On, But Not A Buy Right NowAffinity Bancshares saw its share price increase by almost 60% since raising equity at $10/share. A great share price performance, but I'm expecting the normalized EPS to be just around $1/share in 2022. Affinity isn't expensive based on its P/TBV, but I'm not sure I'm willing to pay 15X earnings for a small local bank. It could be an interesting growth story, so I will keep an eye on Affinity.Recent Insider Transactions • Dec 02Independent Director recently bought US$74k worth of stockOn the 30th of November, Howard Roberts bought around 5k shares on-market at roughly US$14.77 per share. In the last 3 months, there was an even bigger purchase from another insider worth US$95k. Insiders have collectively bought US$940k more in shares than they have sold in the last 12 months.Reported Earnings • Oct 30Third quarter 2021 earnings released: EPS US$0.26 (vs US$0.25 in 3Q 2020)The company reported a soft third quarter result with weaker earnings and profit margins, although revenues improved. Third quarter 2021 results: Revenue: US$7.41m (up 2.9% from 3Q 2020). Net income: US$1.81m (down 3.5% from 3Q 2020). Profit margin: 24% (down from 26% in 3Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 94% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions • Oct 13Insider recently bought US$95k worth of stockOn the 12th of October, Kenneth Lehman bought around 7k shares on-market at roughly US$14.06 per share. In the last 3 months, they made an even bigger purchase worth US$137k. Insiders have collectively bought US$825k more in shares than they have sold in the last 12 months.Recent Insider Transactions • Aug 25Insider recently bought US$137k worth of stockOn the 24th of August, Kenneth Lehman bought around 10k shares on-market at roughly US$13.46 per share. In the last 3 months, they made an even bigger purchase worth US$213k. Insiders have collectively bought US$731k more in shares than they have sold in the last 12 months.Reported Earnings • Aug 13Second quarter 2021 earnings released: EPS US$0.34 (vs US$0.14 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$7.72m (up 30% from 2Q 2020). Net income: US$2.32m (up 115% from 2Q 2020). Profit margin: 30% (up from 18% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 93% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions • Aug 05Insider recently bought US$104k worth of stockOn the 3rd of August, Kenneth Lehman bought around 8k shares on-market at roughly US$13.12 per share. In the last 3 months, they made an even bigger purchase worth US$213k. Insiders have collectively bought US$554k more in shares than they have sold in the last 12 months.Recent Insider Transactions • Jul 23Insider recently bought US$120k worth of stockOn the 20th of July, Kenneth Lehman bought around 9k shares on-market at roughly US$12.98 per share. In the last 3 months, they made an even bigger purchase worth US$213k. Insiders have collectively bought US$441k more in shares than they have sold in the last 12 months.Recent Insider Transactions • Jul 11Insider recently bought US$213k worth of stockOn the 8th of July, Kenneth Lehman bought around 17k shares on-market at roughly US$12.92 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$321k more in shares than they have sold in the last 12 months.お知らせ • Apr 03Affinity Bancshares, Inc. announced delayed annual 10-K filingOn 04/01/2021, Affinity Bancshares, Inc. announced that they will be unable to file their next 10-K by the deadline required by the SEC.分析記事 • Mar 22If You Like EPS Growth Then Check Out Affinity Bancshares (NASDAQ:AFBI) Before It's Too LateIt's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...Is New 90 Day High Low • Feb 11New 90-day high: US$11.19The company is up 36% from its price of US$8.25 on 12 November 2020. The American market is up 16% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 27% over the same period.分析記事 • Jan 28Robin Reich Is The Independent Director of Affinity Bancshares, Inc. (NASDAQ:AFBI) And They Just Picked Up 769% More SharesWhilst it may not be a huge deal, we thought it was good to see that the Affinity Bancshares, Inc. ( NASDAQ:AFBI...Recent Insider Transactions • Jan 28Independent Director recently bought US$75k worth of stockOn the 21st of January, Robin Reich bought around 7k shares on-market at roughly US$10.78 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$108k more in shares than they have sold in the last 12 months.分析記事 • Jan 27Affinity Bancshares'(NASDAQ:AFBI) Share Price Is Down 10% Over The Past Three Years.It is a pleasure to report that the Affinity Bancshares, Inc. ( NASDAQ:AFBI ) is up 44% in the last quarter. But that... このセクションでは通常、投資家が会社の利益創出能力を理解する一助となるよう、プロのアナリストのコンセンサス予想に基づく収益と利益の成長予測を提示する。しかし、Affinity Bancshares は十分な過去のデータを提供しておらず、アナリストの予測もないため、過去のデータを外挿したり、アナリストの予測を使用しても、その将来の収益を確実に算出することはできません。 シンプリー・ウォール・ストリートがカバーする企業の97%は過去の財務データを持っているため、これはかなり稀な状況です。 業績と収益の成長予測NasdaqCM:AFBI - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数3/31/2026339N/AN/AN/A12/31/20253381112N/A9/30/20253281010N/A6/30/20253171011N/A3/31/202531677N/A12/31/202431567N/A9/30/202431678N/A6/30/202430655N/A3/31/202430677N/A12/31/202330678N/A9/30/202330755N/A6/30/202331756N/A3/31/202331746N/A12/31/202231768N/A9/30/202231767N/A6/30/202230745N/A3/31/202230767N/A12/31/20213181112N/A9/30/20213181415N/A6/30/20213081617N/A3/31/20212971213N/A12/31/202025311N/A9/30/202022200N/A6/30/2020190-3-3N/A3/31/202016-1-3-2N/A12/31/2019140N/A2N/A9/30/2019140N/A-1N/A6/30/2019141N/A1N/A3/31/2019141N/A2N/A12/31/2018142N/A2N/A9/30/2018140N/A2N/A6/30/2018140N/A3N/A3/31/201813-1N/A3N/A12/31/201713-1N/A3N/A9/30/2017131N/A3N/A6/30/2017121N/A4N/A3/31/2017121N/A1N/A12/31/2016111N/A2N/A9/30/2016111N/A2N/A9/30/2015102N/A3N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: AFBIの予測収益成長が 貯蓄率 ( 3.5% ) を上回っているかどうかを判断するにはデータが不十分です。収益対市場: AFBIの収益がUS市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です高成長収益: AFBIの収益が今後 3 年間で 大幅に 増加すると予想されるかどうかを判断するにはデータが不十分です。収益対市場: AFBIの収益がUS市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。高い収益成長: AFBIの収益が年間20%よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。一株当たり利益成長率予想将来の株主資本利益率将来のROE: AFBIの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YBanks 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/25 06:51終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Affinity Bancshares, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
New Risk • Apr 26New major risk - Revenue and earnings growthEarnings have declined by 0.2% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Reported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0.38 (vs US$0.29 in 1Q 2025)First quarter 2026 results: EPS: US$0.38 (up from US$0.29 in 1Q 2025). Revenue: US$8.22m (up 5.8% from 1Q 2025). Net income: US$2.28m (up 25% from 1Q 2025). Profit margin: 28% (up from 24% in 1Q 2025). Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 14% per year.
お知らせ • Mar 31The Fidelity Bank signed a definitive merger agreement to acquire Affinity Bancshares, Inc. (NasdaqCM:AFBI) for approximately $150 million.The Fidelity Bank signed a definitive merger agreement to acquire Affinity Bancshares, Inc. (NasdaqCM:AFBI) for approximately $150 million on March 30, 2026. Under the terms of the agreement, each Affinity shareholder will receive $23.00 per share in cash, subject to adjustment based on Affinity’s adjusted stockholders’ equity at closing. Following the close of the transaction, Fidelity will operate two branches in Georgia in addition to its 52 North Carolina branches, two South Carolina branches and one Virginia branch. The boards of directors of both Fidelity and Affinity have unanimously approved the transaction. The transaction is subject to regulatory approvals, Affinity stockholder approval, and other customary closing conditions. The transaction is expected to close in the third quarter of 2026. Raymond James Financial, Inc. acted as financial advisor for The Fidelity Bank. Ward & Smith acted as legal advisor for The Fidelity Bank. Performance Trust Capital Partners, LLC acted as financial advisor for Affinity Bancshares, Inc. Luse Gorman, P.C acted as legal advisor for Affinity Bancshares, Inc.
Reported Earnings • Mar 25Full year 2025 earnings released: EPS: US$1.33 (vs US$0.85 in FY 2024)Full year 2025 results: EPS: US$1.33 (up from US$0.85 in FY 2024). Revenue: US$32.9m (up 7.6% from FY 2024). Net income: US$8.33m (up 53% from FY 2024). Profit margin: 25% (up from 18% in FY 2024). The increase in margin was primarily driven by higher revenue. Non-performing loans: 0.48% (down from 0.67% in FY 2024). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 11% per year, which means it is tracking significantly ahead of earnings growth.
Seeking Alpha • Feb 05Affinity Bancshares: Margin Tailwinds, Valuation HeadwindsSummary Affinity Bancshares (AFBI) delivered strong FY'25 EPS growth, primarily from non-recurring cost reductions and improved NII. I maintain a neutral/hold rating on AFBI, citing overvaluation, versus peers, and subdued forward growth prospects. AFBI's loan portfolio remains resilient, with non-performing loans declining, despite high commercial real estate exposure. Forward EPS growth is modest, driven mainly by share count reduction, while deposit volatility and premium valuation warrant caution. Read the full article on Seeking Alpha
Reported Earnings • Jan 25Full year 2025 earnings releasedFull year 2025 results: Net income: (down US$5.44m from profit in FY 2024). Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings.
New Risk • Jan 25New major risk - Revenue and earnings growthEarnings have declined by 0.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Reported Earnings • Oct 26Third quarter 2025 earnings released: EPS: US$0.35 (vs US$0.27 in 3Q 2024)Third quarter 2025 results: EPS: US$0.35 (up from US$0.27 in 3Q 2024). Revenue: US$8.35m (up 4.6% from 3Q 2024). Net income: US$2.22m (up 28% from 3Q 2024). Profit margin: 27% (up from 22% in 3Q 2024). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings.
Reported Earnings • Jul 27Second quarter 2025 earnings released: EPS: US$0.34 (vs US$0.16 in 2Q 2024)Second quarter 2025 results: EPS: US$0.34 (up from US$0.16 in 2Q 2024). Revenue: US$8.30m (up 4.7% from 2Q 2024). Net income: US$2.15m (up 109% from 2Q 2024). Profit margin: 26% (up from 13% in 2Q 2024). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
Recent Insider Transactions • Jun 04Independent Director recently bought US$100k worth of stockOn the 2nd of June, Robin Reich bought around 5k shares on-market at roughly US$18.49 per share. This transaction amounted to 28% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold US$71k more in shares than they bought in the last 12 months.
分析記事 • May 14Affinity Bancshares, Inc.'s (NASDAQ:AFBI) CEO Compensation Looks Acceptable To Us And Here's WhyKey Insights Affinity Bancshares will host its Annual General Meeting on 20th of May CEO Ed Cooney's total compensation...
Reported Earnings • May 04First quarter 2025 earnings released: EPS: US$0.29 (vs US$0.21 in 1Q 2024)First quarter 2025 results: EPS: US$0.29 (up from US$0.21 in 1Q 2024). Revenue: US$7.77m (up 5.9% from 1Q 2024). Net income: US$1.83m (up 37% from 1Q 2024). Profit margin: 24% (up from 18% in 1Q 2024). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.
Buy Or Sell Opportunity • Apr 23Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 1.3% to US$18.61. The fair value is estimated to be US$15.37, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 7.2%.
お知らせ • Apr 18Affinity Bancshares, Inc., Annual General Meeting, May 20, 2025Affinity Bancshares, Inc., Annual General Meeting, May 20, 2025.
Reported Earnings • Mar 27Full year 2024 earnings released: EPS: US$0.85 (vs US$1.00 in FY 2023)Full year 2024 results: EPS: US$0.85 (down from US$1.00 in FY 2023). Revenue: US$30.6m (up 3.0% from FY 2023). Net income: US$5.44m (down 16% from FY 2023). Profit margin: 18% (down from 22% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.54% (up from 3.35% in FY 2023). Non-performing loans: 0.67% (down from 1.13% in FY 2023). Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.
Buy Or Sell Opportunity • Mar 17Now 21% overvaluedOver the last 90 days, the stock has fallen 18% to US$17.80. The fair value is estimated to be US$14.71, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 7.2%.
お知らせ • Mar 01Affinity Bancshares, Inc. Announces Special Cash Dividend, Payable on March 27, 2025Affinity Bancshares, Inc. announced that its Board of Directors has declared the payment of a special cash dividend. The dividend of $1.50 per share will be paid on March 27, 2025 to stockholders of record as of March 13, 2025.
Reported Earnings • Feb 02Full year 2024 earnings released: EPS: US$0.85 (vs US$1.00 in FY 2023)Full year 2024 results: EPS: US$0.85 (down from US$1.00 in FY 2023). Revenue: US$30.6m (up 3.0% from FY 2023). Net income: US$5.44m (down 16% from FY 2023). Profit margin: 18% (down from 22% in FY 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.
Valuation Update With 7 Day Price Move • Dec 31Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to US$17.50, the stock trades at a trailing P/E ratio of 20x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 9.4% over the past three years.
Recent Insider Transactions • Nov 21Independent Director recently sold US$153k worth of stockOn the 14th of November, Howard Roberts sold around 7k shares on-market at roughly US$21.50 per share. This transaction amounted to 20% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
Reported Earnings • Oct 28Third quarter 2024 earnings released: EPS: US$0.27 (vs US$0.25 in 3Q 2023)Third quarter 2024 results: EPS: US$0.27 (up from US$0.25 in 3Q 2023). Revenue: US$7.98m (up 6.0% from 3Q 2023). Net income: US$1.73m (up 6.6% from 3Q 2023). Profit margin: 22% (in line with 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has increased by 14% per year, which means it is well ahead of earnings.
Buy Or Sell Opportunity • Oct 22Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 1.1% to US$21.39. The fair value is estimated to be US$17.80, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 4.3%.
Buy Or Sell Opportunity • Sep 05Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 3.6% to US$21.37. The fair value is estimated to be US$17.80, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 4.3%.
Reported Earnings • Jul 28Second quarter 2024 earnings released: EPS: US$0.16 (vs US$0.24 in 2Q 2023)Second quarter 2024 results: EPS: US$0.16 (down from US$0.24 in 2Q 2023). Revenue: US$7.93m (up 7.5% from 2Q 2023). Net income: US$1.03m (down 35% from 2Q 2023). Profit margin: 13% (down from 22% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 17% per year, which means it is well ahead of earnings.
Valuation Update With 7 Day Price Move • May 31Investor sentiment improves as stock rises 20%After last week's 20% share price gain to US$20.61, the stock trades at a trailing P/E ratio of 21.8x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 63% over the past three years.
Buy Or Sell Opportunity • May 31Now 25% overvalued after recent price riseOver the last 90 days, the stock has risen 25% to US$20.61. The fair value is estimated to be US$16.44, however this is not to be taken as a sell recommendation but rather should be used as a guide only.
Reported Earnings • Apr 28First quarter 2024 earnings released: EPS: US$0.21 (vs US$0.26 in 1Q 2023)First quarter 2024 results: EPS: US$0.21 (down from US$0.26 in 1Q 2023). Revenue: US$7.33m (down 1.5% from 1Q 2023). Net income: US$1.34m (down 23% from 1Q 2023). Profit margin: 18% (down from 23% in 1Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.
お知らせ • Apr 28Affinity Bancshares, Inc. Announces Net Loan Charge-Offs for the Three Months Ended March 31, 2024Affinity Bancshares, Inc. announced net loan charge-offs for the three months ended March 31, 2024. Net loan charge-offs were $326,000 for the three months ended March 31, 2024, as compared to net loan charge-offs of $91,000 for the three months ended March 31, 2023.
お知らせ • Apr 13Affinity Bancshares, Inc., Annual General Meeting, May 22, 2024Affinity Bancshares, Inc., Annual General Meeting, May 22, 2024, at 10:00 US Eastern Standard Time. Agenda: the election of three directors; the ratification of the appointment of Wipfli LLP as the independent registered public accounting firm for the year ending December 31, 2024; an advisory, non-binding resolution with respect to the executive compensation.
Reported Earnings • Mar 24Full year 2023 earnings released: EPS: US$1.00 (vs US$1.07 in FY 2022)Full year 2023 results: EPS: US$1.00 (down from US$1.07 in FY 2022). Revenue: US$29.7m (down 5.6% from FY 2022). Net income: US$6.45m (down 9.6% from FY 2022). Profit margin: 22% (down from 23% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.35% (down from 4.14% in FY 2022). Non-performing loans: 1.13% (up from 1.08% in FY 2022). Over the last 3 years on average, earnings per share has increased by 10% per year whereas the company’s share price has increased by 11% per year.
Reported Earnings • Feb 02Full year 2023 earnings released: EPS: US$1.00 (vs US$1.07 in FY 2022)Full year 2023 results: EPS: US$1.00 (down from US$1.07 in FY 2022). Revenue: US$29.7m (down 5.6% from FY 2022). Net income: US$6.45m (down 9.6% from FY 2022). Profit margin: 22% (down from 23% in FY 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 10% per year whereas the company’s share price has increased by 15% per year.
Reported Earnings • Oct 29Third quarter 2023 earnings released: EPS: US$0.25 (vs US$0.28 in 3Q 2022)Third quarter 2023 results: EPS: US$0.25 (down from US$0.28 in 3Q 2022). Revenue: US$7.53m (down 5.1% from 3Q 2022). Net income: US$1.62m (down 13% from 3Q 2022). Profit margin: 22% (down from 24% in 3Q 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 20% per year whereas the company’s share price has increased by 24% per year.
Recent Insider Transactions • Sep 07Independent Director recently bought US$89k worth of stockOn the 31st of August, Robin Reich bought around 6k shares on-market at roughly US$14.86 per share. This transaction amounted to 50% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$1.1m more in shares than they have sold in the last 12 months.
Reported Earnings • Jul 29Second quarter 2023 earnings released: EPS: US$0.24 (vs US$0.27 in 2Q 2022)Second quarter 2023 results: EPS: US$0.24 (down from US$0.27 in 2Q 2022). Revenue: US$7.37m (down 2.7% from 2Q 2022). Net income: US$1.59m (down 11% from 2Q 2022). Profit margin: 22% (down from 24% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.
Valuation Update With 7 Day Price Move • May 04Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to US$12.06, the stock trades at a trailing P/E ratio of 11.3x. Average trailing P/E is 8x in the Banks industry in the US. Total returns to shareholders of 71% over the past three years.
Recent Insider Transactions • Apr 08Insider recently bought US$597k worth of stockOn the 6th of April, Kenneth Lehman bought around 41k shares on-market at roughly US$14.50 per share. This transaction amounted to 5.4% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$868k more in shares than they have sold in the last 12 months.
Reported Earnings • Mar 25Full year 2022 earnings released: EPS: US$1.07 (vs US$1.10 in FY 2021)Full year 2022 results: EPS: US$1.07 (down from US$1.10 in FY 2021). Revenue: US$31.5m (up 1.9% from FY 2021). Net income: US$7.13m (down 5.8% from FY 2021). Profit margin: 23% (down from 25% in FY 2021). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 4.14% (up from 4.04% in FY 2021). Non-performing loans: 1.08% (down from 1.20% in FY 2021). Over the last 3 years on average, earnings per share has increased by 63% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions • Mar 23Insider recently bought US$126k worth of stockOn the 22nd of March, Kenneth Lehman bought around 9k shares on-market at roughly US$13.98 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$271k more in shares than they have sold in the last 12 months.
Valuation Update With 7 Day Price Move • Mar 13Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to US$13.11, the stock trades at a trailing P/E ratio of 12.1x. Average trailing P/E is 9x in the Banks industry in the US. Total returns to shareholders of 60% over the past three years.
Recent Insider Transactions • Feb 17CEO & Director recently bought US$79k worth of stockOn the 14th of February, Edward Cooney bought around 5k shares on-market at roughly US$15.70 per share. This transaction amounted to 5.0% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Edward's only on-market trade for the last 12 months.
Reported Earnings • Feb 12Full year 2022 earnings released: EPS: US$1.07 (vs US$1.10 in FY 2021)Full year 2022 results: EPS: US$1.07 (down from US$1.10 in FY 2021). Revenue: US$31.5m (up 1.9% from FY 2021). Net income: US$7.13m (down 5.8% from FY 2021). Profit margin: 23% (down from 25% in FY 2021). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 4.14% (up from 4.04% in FY 2021). Over the last 3 years on average, earnings per share has increased by 63% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
Board Change • Feb 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 4 highly experienced directors. Independent Director Robin Reich was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 27Third quarter 2022 earnings released: EPS: US$0.28 (vs US$0.26 in 3Q 2021)Third quarter 2022 results: EPS: US$0.28 (up from US$0.26 in 3Q 2021). Revenue: US$7.93m (up 7.1% from 3Q 2021). Net income: US$1.86m (up 3.1% from 3Q 2021). Profit margin: 24% (in line with 3Q 2021). Over the last 3 years on average, earnings per share has increased by 75% per year but the company’s share price has only increased by 13% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Jul 29Second quarter 2022 earnings released: EPS: US$0.27 (vs US$0.34 in 2Q 2021)Second quarter 2022 results: EPS: US$0.27 (down from US$0.34 in 2Q 2021). Revenue: US$7.57m (down 1.9% from 2Q 2021). Net income: US$1.78m (down 23% from 2Q 2021). Profit margin: 24% (down from 30% in 2Q 2021). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 84% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
Seeking Alpha • Jul 27Affinity Bancshares GAAP EPS of $0.27, revenue of $7.79MAffinity Bancshares press release (NASDAQ:AFBI): Q2 GAAP EPS of $0.27. Revenue of $7.79M (-2.9% Y/Y).
Reported Earnings • Apr 27First quarter 2022 earnings released: EPS: US$0.26 (vs US$0.31 in 1Q 2021)First quarter 2022 results: EPS: US$0.26 (down from US$0.31 in 1Q 2021). Revenue: US$8.10m (down 6.1% from 1Q 2021). Net income: US$1.79m (down 16% from 1Q 2021). Profit margin: 22% (down from 25% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 89% per year but the company’s share price has only increased by 13% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Feb 27Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$1.10 (up from US$0.41 in FY 2020). Revenue: US$30.9m (up 22% from FY 2020). Net income: US$7.57m (up 145% from FY 2020). Profit margin: 25% (up from 12% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 90% per year but the company’s share price has only increased by 15% per year, which means it is significantly lagging earnings growth.
Seeking Alpha • Jan 17Affinity Bancshares: Worth Keeping An Eye On, But Not A Buy Right NowAffinity Bancshares saw its share price increase by almost 60% since raising equity at $10/share. A great share price performance, but I'm expecting the normalized EPS to be just around $1/share in 2022. Affinity isn't expensive based on its P/TBV, but I'm not sure I'm willing to pay 15X earnings for a small local bank. It could be an interesting growth story, so I will keep an eye on Affinity.
Recent Insider Transactions • Dec 02Independent Director recently bought US$74k worth of stockOn the 30th of November, Howard Roberts bought around 5k shares on-market at roughly US$14.77 per share. In the last 3 months, there was an even bigger purchase from another insider worth US$95k. Insiders have collectively bought US$940k more in shares than they have sold in the last 12 months.
Reported Earnings • Oct 30Third quarter 2021 earnings released: EPS US$0.26 (vs US$0.25 in 3Q 2020)The company reported a soft third quarter result with weaker earnings and profit margins, although revenues improved. Third quarter 2021 results: Revenue: US$7.41m (up 2.9% from 3Q 2020). Net income: US$1.81m (down 3.5% from 3Q 2020). Profit margin: 24% (down from 26% in 3Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 94% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions • Oct 13Insider recently bought US$95k worth of stockOn the 12th of October, Kenneth Lehman bought around 7k shares on-market at roughly US$14.06 per share. In the last 3 months, they made an even bigger purchase worth US$137k. Insiders have collectively bought US$825k more in shares than they have sold in the last 12 months.
Recent Insider Transactions • Aug 25Insider recently bought US$137k worth of stockOn the 24th of August, Kenneth Lehman bought around 10k shares on-market at roughly US$13.46 per share. In the last 3 months, they made an even bigger purchase worth US$213k. Insiders have collectively bought US$731k more in shares than they have sold in the last 12 months.
Reported Earnings • Aug 13Second quarter 2021 earnings released: EPS US$0.34 (vs US$0.14 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$7.72m (up 30% from 2Q 2020). Net income: US$2.32m (up 115% from 2Q 2020). Profit margin: 30% (up from 18% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 93% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions • Aug 05Insider recently bought US$104k worth of stockOn the 3rd of August, Kenneth Lehman bought around 8k shares on-market at roughly US$13.12 per share. In the last 3 months, they made an even bigger purchase worth US$213k. Insiders have collectively bought US$554k more in shares than they have sold in the last 12 months.
Recent Insider Transactions • Jul 23Insider recently bought US$120k worth of stockOn the 20th of July, Kenneth Lehman bought around 9k shares on-market at roughly US$12.98 per share. In the last 3 months, they made an even bigger purchase worth US$213k. Insiders have collectively bought US$441k more in shares than they have sold in the last 12 months.
Recent Insider Transactions • Jul 11Insider recently bought US$213k worth of stockOn the 8th of July, Kenneth Lehman bought around 17k shares on-market at roughly US$12.92 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$321k more in shares than they have sold in the last 12 months.
お知らせ • Apr 03Affinity Bancshares, Inc. announced delayed annual 10-K filingOn 04/01/2021, Affinity Bancshares, Inc. announced that they will be unable to file their next 10-K by the deadline required by the SEC.
分析記事 • Mar 22If You Like EPS Growth Then Check Out Affinity Bancshares (NASDAQ:AFBI) Before It's Too LateIt's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Is New 90 Day High Low • Feb 11New 90-day high: US$11.19The company is up 36% from its price of US$8.25 on 12 November 2020. The American market is up 16% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 27% over the same period.
分析記事 • Jan 28Robin Reich Is The Independent Director of Affinity Bancshares, Inc. (NASDAQ:AFBI) And They Just Picked Up 769% More SharesWhilst it may not be a huge deal, we thought it was good to see that the Affinity Bancshares, Inc. ( NASDAQ:AFBI...
Recent Insider Transactions • Jan 28Independent Director recently bought US$75k worth of stockOn the 21st of January, Robin Reich bought around 7k shares on-market at roughly US$10.78 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$108k more in shares than they have sold in the last 12 months.
分析記事 • Jan 27Affinity Bancshares'(NASDAQ:AFBI) Share Price Is Down 10% Over The Past Three Years.It is a pleasure to report that the Affinity Bancshares, Inc. ( NASDAQ:AFBI ) is up 44% in the last quarter. But that...