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AFFINITY BANCSHARES INC (AFBI) Stock Fundamental Analysis

NASDAQ:AFBI - Nasdaq - US00832E1038 - Common Stock - Currency: USD

18.41  +0.38 (+2.11%)

Fundamental Rating

3

Taking everything into account, AFBI scores 3 out of 10 in our fundamental rating. AFBI was compared to 398 industry peers in the Banks industry. The financial health of AFBI is average, but there are quite some concerns on its profitability. AFBI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year AFBI was profitable.
AFBI had a positive operating cash flow in the past year.
AFBI had positive earnings in each of the past 5 years.
AFBI had a positive operating cash flow in 4 of the past 5 years.
AFBI Yearly Net Income VS EBIT VS OCF VS FCFAFBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M 10M

1.2 Ratios

AFBI has a worse Return On Assets (0.64%) than 63.07% of its industry peers.
With a Return On Equity value of 4.37%, AFBI is not doing good in the industry: 79.65% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.64%
ROE 4.37%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.72%
ROE(3y)5.2%
ROE(5y)5.14%
ROIC(3y)N/A
ROIC(5y)N/A
AFBI Yearly ROA, ROE, ROICAFBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

With a Profit Margin value of 18.15%, AFBI is not doing good in the industry: 66.33% of the companies in the same industry are doing better.
AFBI's Profit Margin has improved in the last couple of years.
AFBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 18.15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.68%
PM growth 5Y47.37%
GM growth 3YN/A
GM growth 5YN/A
AFBI Yearly Profit, Operating, Gross MarginsAFBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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4

2. Health

2.1 Basic Checks

AFBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AFBI remains at a similar level compared to 1 year ago.
Compared to 5 years ago, AFBI has less shares outstanding
There is no outstanding debt for AFBI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
AFBI Yearly Shares OutstandingAFBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
AFBI Yearly Total Debt VS Total AssetsAFBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

There is no outstanding debt for AFBI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC15.26%
AFBI Yearly LT Debt VS Equity VS FCFAFBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AFBI Yearly Current Assets VS Current LiabilitesAFBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M

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3

3. Growth

3.1 Past

The earnings per share for AFBI have decreased strongly by -15.85% in the last year.
Measured over the past years, AFBI shows a very strong growth in Earnings Per Share. The EPS has been growing by 75.29% on average per year.
The Revenue has been growing slightly by 5.12% in the past year.
AFBI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.81% yearly.
EPS 1Y (TTM)-15.85%
EPS 3Y-8.78%
EPS 5Y75.29%
EPS Q2Q%-12.71%
Revenue 1Y (TTM)5.12%
Revenue growth 3Y-0.82%
Revenue growth 5Y16.81%
Sales Q2Q%3.84%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AFBI Yearly Revenue VS EstimatesAFBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 22.18, which indicates a rather expensive current valuation of AFBI.
Compared to the rest of the industry, the Price/Earnings ratio of AFBI indicates a rather expensive valuation: AFBI more expensive than 80.90% of the companies listed in the same industry.
AFBI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.33.
Industry RankSector Rank
PE 22.18
Fwd PE N/A
AFBI Price Earnings VS Forward Price EarningsAFBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AFBI is valued a bit more expensive than the industry average as 68.09% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 16.43
EV/EBITDA N/A
AFBI Per share dataAFBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

AFBI has a Yearly Dividend Yield of 8.15%, which is a nice return.
Compared to an average industry Dividend Yield of 3.66, AFBI pays a better dividend. On top of this AFBI pays more dividend than 98.74% of the companies listed in the same industry.
AFBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 8.15%

5.2 History

AFBI is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
AFBI Yearly Dividends per shareAFBI Yearly Dividends per shareYearly Dividends per share 2025 0.5 1

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
AFBI Yearly Income VS Free CF VS DividendAFBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M 10M

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AFFINITY BANCSHARES INC

NASDAQ:AFBI (4/22/2025, 8:00:00 PM)

18.41

+0.38 (+2.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25 2025-02-25
Earnings (Next)04-25 2025-04-25
Inst Owners26.88%
Inst Owner Change0.12%
Ins Owners20.04%
Ins Owner Change-0.33%
Market Cap117.64M
Analysts0
Price TargetN/A
Short Float %0.82%
Short Ratio1.56
Dividend
Industry RankSector Rank
Dividend Yield 8.15%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date03-13 2025-03-13 (1.5)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 22.18
Fwd PE N/A
P/S 3.81
P/FCF 16.43
P/OCF 15.2
P/B 0.92
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)0.83
EY4.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.12
FCFY6.09%
OCF(TTM)1.21
OCFY6.58%
SpS4.84
BVpS20.09
TBVpS17.24
PEG (NY)N/A
PEG (5Y)0.29
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 4.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.15%
GM N/A
FCFM 23.17%
ROA(3y)0.76%
ROA(5y)0.72%
ROE(3y)5.2%
ROE(5y)5.14%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.68%
PM growth 5Y47.37%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 86.36%
Cap/Sales 1.86%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 127.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.26%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.85%
EPS 3Y-8.78%
EPS 5Y75.29%
EPS Q2Q%-12.71%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.12%
Revenue growth 3Y-0.82%
Revenue growth 5Y16.81%
Sales Q2Q%3.84%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y55.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y43.01%
OCF growth 3YN/A
OCF growth 5YN/A