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Affinity Bancshares, Inc.NasdaqCM:AFBI Stock Report

Market Cap US$137.1m
Share Price
US$22.53
US$9.86
128.4% overvalued intrinsic discount
1Y22.6%
7D0.09%
1D
Portfolio Value
View

Affinity Bancshares, Inc.

NasdaqCM:AFBI Stock Report

Market Cap: US$137.1m

Affinity Bancshares (AFBI) Stock Overview

Operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. More details

AFBI fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends0/6

AFBI Community Fair Values

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Affinity Bancshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Affinity Bancshares
Historical stock prices
Current Share PriceUS$22.53
52 Week HighUS$22.52
52 Week LowUS$18.32
Beta0.17
1 Month Change0.31%
3 Month Change15.66%
1 Year Change22.58%
3 Year Change94.22%
5 Year Change76.24%
Change since IPO69.53%

Recent News & Updates

Seeking Alpha Feb 05

Affinity Bancshares: Margin Tailwinds, Valuation Headwinds

Summary 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

Recent updates

Seeking Alpha Feb 05

Affinity Bancshares: Margin Tailwinds, Valuation Headwinds

Summary 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
Analysis Article May 14

Affinity Bancshares, Inc.'s (NASDAQ:AFBI) CEO Compensation Looks Acceptable To Us And Here's Why

Key Insights Affinity Bancshares will host its Annual General Meeting on 20th of May CEO Ed Cooney's total compensation...
Seeking Alpha Jul 27

Affinity Bancshares GAAP EPS of $0.27, revenue of $7.79M

Affinity Bancshares press release (NASDAQ:AFBI): Q2 GAAP EPS of $0.27. Revenue of $7.79M (-2.9% Y/Y).
Seeking Alpha Jan 17

Affinity Bancshares: Worth Keeping An Eye On, But Not A Buy Right Now

Affinity 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.
Analysis Article Mar 22

If You Like EPS Growth Then Check Out Affinity Bancshares (NASDAQ:AFBI) Before It's Too Late

It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Analysis Article Jan 28

Robin Reich Is The Independent Director of Affinity Bancshares, Inc. (NASDAQ:AFBI) And They Just Picked Up 769% More Shares

Whilst it may not be a huge deal, we thought it was good to see that the Affinity Bancshares, Inc. ( NASDAQ:AFBI...
Analysis Article Jan 27

Affinity 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...

Shareholder Returns

AFBIUS BanksUS Market
7D0.09%1.4%1.7%
1Y22.6%25.4%25.1%

Return vs Industry: AFBI underperformed the US Banks industry which returned 26.6% over the past year.

Return vs Market: AFBI matched the US Market which returned 23.3% over the past year.

Price Volatility

Is AFBI's price volatile compared to industry and market?
AFBI volatility
AFBI Average Weekly Movement4.1%
Banks Industry Average Movement3.3%
Market Average Movement7.2%
10% most volatile stocks in US Market16.7%
10% least volatile stocks in US Market3.1%

Stable Share Price: AFBI has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: AFBI's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
192881Ed Cooneymyaffinitybank.com

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate loans.

Affinity Bancshares, Inc. Fundamentals Summary

How do Affinity Bancshares's earnings and revenue compare to its market cap?
AFBI fundamental statistics
Market capUS$137.13m
Earnings (TTM)US$8.79m
Revenue (TTM)US$33.39m
15.6x
P/E Ratio
1.1x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AFBI income statement (TTM)
RevenueUS$33.39m
Cost of RevenueUS$0
Gross ProfitUS$33.39m
Other ExpensesUS$24.60m
EarningsUS$8.79m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)1.44
Gross Margin100.00%
Net Profit Margin26.31%
Debt/Equity Ratio41.7%

How did AFBI perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/18 20:27
End of Day Share Price 2026/06/18 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Affinity Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.