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Affinity Bancshares, Inc. AFBI
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 17.5
-0.114 %
$ 112 M
Market Cap
21.08
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AFBI stock under the worst case scenario is HIDDEN Compared to the current market price of 17.5 USD, Affinity Bancshares, Inc. is HIDDEN

AFBI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AFBI stock under the base case scenario is HIDDEN Compared to the current market price of 17.5 USD, Affinity Bancshares, Inc. is HIDDEN

AFBI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AFBI stock under the best case scenario is HIDDEN Compared to the current market price of 17.5 USD, Affinity Bancshares, Inc. is HIDDEN

AFBI Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart AFBI

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1M -3%
6M -12%
1Y 14.0%
3Y 25%
5Y 167%
All
$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
30.6 M REVENUE
3.18%
Growth Rates
1Year 3.18%
3Years -1.55%
5Years 16.36%
7Years 12.25%
10Years 0.00%
10.9 M OPERATING INCOME
29.66%
Growth Rates
1Year 29.66%
3Years 3.15%
5Years 101.67%
7Years 25.59%
10Years 0.00%
5.44 M NET INCOME
-15.62%
Growth Rates
1Year -15.62%
3Years -10.44%
5Years 72.62%
7Years 21.84%
10Years 0.00%
-1.94 M OPERATING CASH FLOW
-24.70%
Growth Rates
1Year -24.70%
3Years -5.19%
5Years -16.96%
7Years -7.19%
10Years 0.00%
0 INVESTING CASH FLOW
100.00%
Growth Rates
1Year 100.00%
3Years 25.99%
5Years 14.87%
7Years 10.41%
10Years 0.00%
0 FINANCING CASH FLOW
0.00%
Growth Rates
1Year 0.00%
3Years 25.99%
5Years 0.00%
7Years 0.00%
10Years 0.00%
7.59 M REVENUE
-4.84%
Growth Rates
1Year 3.18%
3Years -1.55%
5Years 16.36%
7Years 12.25%
10Years 0.00%
2.6 M OPERATING INCOME
-46.81%
Growth Rates
1Year 29.66%
3Years 3.15%
5Years 101.67%
7Years 25.59%
10Years 0.00%
1.34 M NET INCOME
-22.25%
Growth Rates
1Year -15.62%
3Years -10.44%
5Years 72.62%
7Years 21.84%
10Years 0.00%
0 OPERATING CASH FLOW
0.00%
Growth Rates
1Year -24.70%
3Years -5.19%
5Years -16.96%
7Years -7.19%
10Years 0.00%
-1.45 M INVESTING CASH FLOW
54.99%
Growth Rates
1Year 100.00%
3Years 25.99%
5Years 14.87%
7Years 10.41%
10Years 0.00%
-10.3 M FINANCING CASH FLOW
-993.15%
Growth Rates
1Year 0.00%
3Years 25.99%
5Years 0.00%
7Years 0.00%
10Years 0.00%
Balance Sheet Affinity Bancshares, Inc.
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Current Assets 41.4 M
Cash & Short-Term Investments 41.4 M
Receivables 0
Other Current Assets 0
Non-Current Assets 825 M
Long-Term Investments 0
PP&E 3.26 M
Other Non-Current Assets 822 M
4.78 %94.84 %Total Assets$866.8m
Current Liabilities 5.41 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 5.41 M
Non-Current Liabilities 732 M
Long-Term Debt 58.8 M
Other Non-Current Liabilities 673 M
7.97 %91.29 %Total Liabilities$737.7m
EFFICIENCY
Earnings Waterfall Affinity Bancshares, Inc.
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Revenue 30.6 M
Cost Of Revenue 0
Gross Profit 30.6 M
Operating Expenses 19.7 M
Operating Income 10.9 M
Other Expenses 5.44 M
Net Income 5.44 M
35m35m30m30m25m25m20m20m15m15m10m10m5m5m0031m031m(20m)11m(5m)5mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.05%
5Years 100.03%
7Years 100.02%
10Years 100.01%
35.53% OPERATING MARGIN
35.53%
Averages
1Year 35.53%
3Years 33.05%
5Years 28.88%
7Years 22.64%
10Years 21.74%
17.78% NET MARGIN
17.78%
Averages
1Year 17.78%
3Years 20.57%
5Years 19.35%
7Years 14.57%
10Years 13.52%
4.21% ROE
4.21%
Averages
1Year 4.21%
3Years 5.20%
5Years 5.14%
7Years 3.82%
10Years 3.48%
0.63% ROA
0.63%
Averages
1Year 0.63%
3Years 0.76%
5Years 0.72%
7Years 0.55%
10Years 0.56%
0.98% ROIC
0.98%
Averages
1Year 0.98%
3Years 2.12%
5Years 2.14%
7Years 1.64%
10Years 1.36%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Affinity Bancshares, Inc.
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12m12m10m10m8m8m6m6m4m4m2m2m00(2m)(2m)(4m)(4m)(6m)(6m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 5.44 M
Depreciation & Amortization 0
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others -7.38 M
Free Cash Flow 6.37 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Affinity Bancshares, Inc.
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AFBI has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
1.5 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.61.61.41.41.21.21.01.00.80.80.60.60.40.40.20.20.00.01.51.5020252025
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5. COMPETITION
slide 2 of 4
6. Ownership
Insider Ownership Affinity Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
173 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Affinity Bancshares, Inc. Adopts Stock Repurchase Program COVINGTON, Ga.--(BUSINESS WIRE)--Affinity Bancshares, Inc. Adopts Stock Repurchase Program. businesswire.com - 1 month ago
Affinity Bancshares, Inc. Announces Payment of Special Cash Dividend of $1.50 Per Share COVINGTON, Ga.--(BUSINESS WIRE)--Affinity Bancshares. Inc. Announces Payment of Special Cash Dividend. businesswire.com - 1 month ago
Affinity Bancshares, Inc. Announces Fourth Quarter and the Year 2024 Financial Results COVINGTON, Ga.--(BUSINESS WIRE)--Affinity Bancshares. Inc. Announces Fourth Quarter and the Year 2024 Financial Results. businesswire.com - 2 months ago
APCU/Center Parc Credit Union and Affinity Bancshares, Inc. Announce Mutual Termination of Purchase Agreement ATLANTA--(BUSINESS WIRE)--APCU/Center Parc Credit Union and Affinity Bancshares, Inc. Announce Mutual Termination of Purchase Agreement. businesswire.com - 3 months ago
AFBI Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Affinity Bank Is Fair to Shareholders NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of Affinity Bank, a wholly-owned subsidiary of Affinity Bancshares, Inc. (NASDAQ: AFBI), to Atlanta Postal Credit Union is fair to Affinity shareholders. The transaction is structured as a purchase and assumption agreement whereby Atlanta Postal is expected to acquire substantially all assets and assume substantially all liabilities of Affinity Bank in an all-cash transaction. Halper Sade. businesswire.com - 7 months ago
SHAREHOLDER ALERT: The M&A Class Action Firm Investigates Merger of Affinity Bancshares, Inc. - AFBI NEW YORK , Aug. 16, 2024 /PRNewswire/ -- Monteverde & Associates PC (the "M&A Class Action Firm"), has recovered money for shareholders and is recognized as a Top 50 Firm in the 2018-2022 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Affinity Bancshares, Inc. (Nasdaq: AFBI ), relating to its proposed merger with Atlanta Postal Credit Union ("APCU"). prnewswire.com - 8 months ago
SHAREHOLDER INVESTIGATION: Halper Sadeh LLC Investigates ENV, AFBI on Behalf of Shareholders NEW YORK , July 19, 2024 /PRNewswire/ -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws and/or breaches of fiduciary duties to shareholders relating to: Envestnet, Inc. (NYSE: ENV)'s  sale to Bain Capital for $63.15 in cash per share. If you are an Envestnet shareholder, click here to learn more about your rights and options. prnewswire.com - 9 months ago
SHAREHOLDER ALERT: The M&A Class Action Firm Investigates Merger of Affinity Bancshares, Inc. – AFBI NEW YORK, July 16, 2024 (GLOBE NEWSWIRE) -- Monteverde & Associates PC (the “M&A Class Action Firm”), has recovered money for shareholders and is recognized as a Top 50 Firm in the 2018-2022 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Affinity Bancshares, Inc. ( Nasdaq : AFBI ) , relating to its proposed merger with Atlanta Postal Credit Union (“APCU”). Under the terms of the agreement, APCU will pay Affinity an aggregate amount estimated to provide Affinity with sufficient cash to pay Affinity shareholders $22.50 per share, subject to potential increase for levels of tax payments. globenewswire.com - 9 months ago
SHAREHOLDER ALERT: The M&A Class Action Firm Investigates Merger of Affinity Bancshares, Inc. - AFBI NEW YORK , July 15, 2024 /PRNewswire/ -- Monteverde & Associates PC (the "M&A Class Action Firm"), has recovered money for shareholders and is recognized as a Top 50 Firm in the 2018-2022 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Affinity Bancshares, Inc. (Nasdaq: AFBI ), relating to its proposed merger with Atlanta Postal Credit Union ("APCU"). prnewswire.com - 9 months ago
AFBI Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Affinity Bank Is Fair to Shareholders NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of Affinity Bank, a wholly-owned subsidiary of Affinity Bancshares, Inc. (NASDAQ: AFBI), to Atlanta Postal Credit Union is fair to Affinity shareholders. The transaction is structured as a purchase and assumption agreement whereby Atlanta Postal is expected to acquire substantially all assets and assume substantially all liabilities of Affinity Bank in an all-cash transaction. Halper Sade. businesswire.com - 10 months ago
APCU/Center Parc Credit Union Announces Definitive Agreement to Acquire Affinity Bank ATLANTA--(BUSINESS WIRE)--APCU/Center Parc Credit Union Announces Definitive Agreement to Acquire Affinity Bank. businesswire.com - 10 months ago
Affinity Bancshares, Inc. Announces First Quarter 2024 Financial Results COVINGTON, Ga.--(BUSINESS WIRE)--Affinity Bancshares, Inc. Announces First Quarter 2024 Financial Results. businesswire.com - 11 months ago
8. Profile Summary

Affinity Bancshares, Inc. AFBI

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 112 M
Dividend Yield 0.00%
Description Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.
Contact 3175 Highway 278, Covington, GA, 30014 https://myaffinitybank.com
IPO Date April 28, 2017
Employees 88
Officers Mr. Edward J. Cooney CPA, CPA Chief Executive Officer & Director Ms. Brandi C. Pajot CPA, CPA Senior Vice President, Chief Financial Officer, Chief Treasury, Corporate Secretary & Risk Officer Jacqueline Lyle Vice President of Compliance Ms. Elizabeth M. Galazka Executive Vice President of Lending Mr. Clark N. Nelson Jr. Executive Vice President & Chief Credit Officer Mr. Robert A. Vickers Senior Vice President & Operations Officer