View Financial HealthAffinity Bancshares 배당 및 자사주 매입배당 기준 점검 0/6Affinity Bancshares 배당금을 지급한 기록이 없습니다.핵심 정보n/a배당 수익률4.3%자사주 매입 수익률총 주주 수익률4.3%미래 배당 수익률n/a배당 성장률n/a다음 배당 지급일n/a배당락일n/a주당 배당금n/a배당 성향n/a최근 배당 및 자사주 매입 업데이트공시 • 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.모든 업데이트 보기Recent 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.공시 • 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.분석 기사 • 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%.공시 • 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%.공시 • 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.공시 • 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.공시 • 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.공시 • 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.분석 기사 • 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.분석 기사 • 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.분석 기사 • 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...지급의 안정성과 성장배당 데이터 가져오는 중안정적인 배당: 과거에 AFBI 의 주당 배당금이 안정적이었는지 판단하기에는 데이터가 부족합니다.배당금 증가: AFBI 의 배당금 지급이 증가했는지 판단하기에는 데이터가 부족합니다.배당 수익률 vs 시장Affinity Bancshares 배당 수익률 vs 시장AFBI의 배당 수익률은 시장과 어떻게 비교되나요?구분배당 수익률회사 (AFBI)n/a시장 하위 25% (US)1.4%시장 상위 25% (US)4.3%업계 평균 (Banks)2.4%분석가 예측 (AFBI) (최대 3년)n/a주목할만한 배당금: 회사가 최근 지급을 보고하지 않았기 때문에 하위 25%의 배당금 지급자에 대해 AFBI 의 배당 수익률을 평가할 수 없습니다.고배당: 회사가 최근 지급을 보고하지 않았기 때문에 배당금 지급자의 상위 25%에 대해 AFBI 의 배당 수익률을 평가할 수 없습니다.현재 주주 배당수익 보장: 배당금 지급이 수익으로 충당되는지 확인하기 위해 AFBI 의 지급 비율을 계산하기에는 데이터가 부족합니다.향후 주주 배당미래 배당 보장: US 시장에서 주목할만한 배당금을 지불할 것으로 예상되지 않으므로 3년 후 AFBI 배당금의 지속 가능성을 계산할 필요가 없습니다.높은 배당을 제공하는 우량 기업 찾기7D1Y7D1Y7D1YUS 시장에서 배당이 강한 기업.View Management기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/21 23:29종가2026/05/21 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Affinity Bancshares, Inc.는 0명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
공시 • 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.
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.
공시 • 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.
분석 기사 • 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%.
공시 • 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%.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
분석 기사 • 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.
분석 기사 • 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.
분석 기사 • 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...