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AFFINITY BANCSHARES INC (AFBI) Stock Fundamental Analysis

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

18.3423  -0.11 (-0.58%)

Fundamental Rating

3

Overall AFBI gets a fundamental rating of 3 out of 10. We evaluated AFBI against 404 industry peers in the Banks industry. While AFBI seems to be doing ok healthwise, there are quite some concerns on its profitability. AFBI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

AFBI had positive earnings in the past year.
AFBI had a positive operating cash flow in the past year.
AFBI had positive earnings in each of the past 5 years.
Each year in the past 5 years AFBI had a positive operating cash flow.
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 0 2M 4M 6M 8M 10M

1.2 Ratios

AFBI has a Return On Assets of 0.64%. This is in the lower half of the industry: AFBI underperforms 62.06% of its industry peers.
AFBI has a Return On Equity of 4.37%. This is in the lower half of the industry: AFBI underperforms 78.64% of its industry peers.
Industry RankSector Rank
ROA 0.64%
ROE 4.37%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.62%
ROE(3y)5.88%
ROE(5y)4.39%
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 2 4 6

1.3 Margins

Looking at the Profit Margin, with a value of 18.15%, AFBI is doing worse than 66.08% of the companies in the same industry.
In the last couple of years the Profit Margin of AFBI has grown nicely.
The Operating Margin and Gross Margin are not available for AFBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y24.3%
PM growth 5Y47.9%
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 5 10 15 20

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5

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 has been reduced compared to 1 year ago.
AFBI has less shares outstanding than it did 5 years ago.
AFBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AFBI Yearly Shares OutstandingAFBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 200M 400M 600M 800M

2.2 Solvency

AFBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC15.34%
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 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 2M 4M 6M

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3

3. Growth

3.1 Past

The earnings per share for AFBI have decreased strongly by -14.34% in the last year.
AFBI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 81.45% yearly.
AFBI shows a small growth in Revenue. In the last year, the Revenue has grown by 2.12%.
AFBI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.15% yearly.
EPS 1Y (TTM)-14.34%
EPS 3Y33.86%
EPS 5Y81.45%
EPS Q2Q%4.67%
Revenue 1Y (TTM)2.12%
Revenue growth 3Y2.81%
Revenue growth 5Y15.15%
Sales Q2Q%5.98%

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 10M 20M 30M
AFBI Yearly EPS VS EstimatesAFBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 21.33, AFBI is valued on the expensive side.
80.65% of the companies in the same industry are cheaper than AFBI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.99. AFBI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 21.33
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AFBI is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 16.42
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)0.26
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

AFBI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AFFINITY BANCSHARES INC

NASDAQ:AFBI (2/13/2025, 11:53:40 AM)

18.3423

-0.11 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24 2024-10-24/amc
Earnings (Next)02-25 2025-02-25
Inst Owners21.99%
Inst Owner Change-39.49%
Ins Owners20.2%
Ins Owner Change-0.31%
Market Cap117.57M
Analysts0
Price TargetN/A
Short Float %0.37%
Short Ratio1.01
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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 21.33
Fwd PE N/A
P/S 3.8
P/FCF 16.42
P/OCF 15.2
P/B 0.92
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)0.86
EY4.69%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.12
FCFY6.09%
OCF(TTM)1.21
OCFY6.58%
SpS4.82
BVpS20.03
TBVpS17.18
PEG (NY)N/A
PEG (5Y)0.26
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)0.88%
ROA(5y)0.62%
ROE(3y)5.88%
ROE(5y)4.39%
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 3Y24.3%
PM growth 5Y47.9%
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
WACC15.34%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.9%
Cap/Sales(5y)2.6%
Profit Quality(3y)115.38%
Profit Quality(5y)145.18%
High Growth Momentum
Growth
EPS 1Y (TTM)-14.34%
EPS 3Y33.86%
EPS 5Y81.45%
EPS Q2Q%4.67%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.12%
Revenue growth 3Y2.81%
Revenue growth 5Y15.15%
Sales Q2Q%5.98%
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 1Y24.76%
FCF growth 3Y99.86%
FCF growth 5Y44.89%
OCF growth 1Y11.81%
OCF growth 3Y79.1%
OCF growth 5Y26.39%