AFBI Stock Price, Affinity Bancshares, . Quote, Chart

Market Summary

USD17.000.00

Delayed

0.00%

AFBI Stock Price

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AFBI RSI Chart

AFBI Valuation

Market Cap

109.1M

Price/Earnings (Trailing)

18

Price/Sales (Trailing)

2.47

EV/EBITDA

1.34

Price/Free Cashflow

16.58

AFBI Price/Sales (Trailing)

AFBI Profitability

EBT Margin

17.88%

Return on Equity

4.92%

Return on Assets

0.7%

Free Cashflow Yield

6.03%

AFBI Fundamentals

AFBI Revenue

Revenue (TTM)

44.2M

Rev. Growth (Yr)

15.35%

Rev. Growth (Qtr)

1.23%

AFBI Earnings

Earnings (TTM)

6.1M

Earnings Growth (Yr)

-22.47%

Earnings Growth (Qtr)

-11.76%

Breaking Down AFBI Revenue

Last 7 days

0.6%

Last 30 days

1.9%

Last 90 days

3.7%

Trailing 12 Months

38.1%

How does AFBI drawdown profile look like?

AFBI Financial Health

AFBI Investor Care

Buy Backs (1Y)

1.81%

Diluted EPS (TTM)

0.92

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	44.2M	0	0	0
2023	34.6M	37.8M	40.6M	42.7M
2022	30.5M	29.9M	30.5M	32.1M
2021	33.2M	34.1M	33.1M	32.5M
2020	18.9M	22.8M	26.7M	30.6M
2019	0	0	0	15.0M
2018	0	0	0	11.6M

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Tracking the Latest Insider Buys and Sells of Affinity Bancshares, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Nov 20, 2023	roberts howard g	bought	5,792	14.48	400	-
Nov 16, 2023	ginn marshall l.	acquired	-	-	1,000	-
Nov 16, 2023	fortson william d. jr.	acquired	-	-	1,000	-
Nov 16, 2023	richardson bob w.	acquired	-	-	1,000	-
Nov 16, 2023	stone edward p.	acquired	-	-	1,000	-
Nov 16, 2023	pajot brandi c	acquired	-	-	5,000	svp - chief financial officer
Nov 16, 2023	nelson clark	acquired	-	-	7,000	evp and cco
Nov 16, 2023	roberts howard g	acquired	-	-	1,000	-
Nov 16, 2023	galazka elizabeth	acquired	-	-	3,000	evp-lending
Nov 16, 2023	reich robin s	acquired	-	-	1,000	-

Which funds bought or sold AFBI recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-33.71	-4,404	9,665	-%
May 15, 2024	RAFFLES ASSOCIATES LP	unchanged	-	145,905	4,163,320	4.83%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	unchanged	-	18,427	521,325	0.01%
May 15, 2024	MALTESE CAPITAL MANAGEMENT LLC	unchanged	-	4,640	132,400	0.03%
May 15, 2024	Royal Bank of Canada	reduced	-43.36	-1,000	1,000	-%
May 14, 2024	NORTHERN TRUST CORP	reduced	-6.95	-6,577	177,764	-%
May 14, 2024	Farther Finance Advisors, LLC	unchanged	-	7,256	234,461	0.01%
May 14, 2024	Fourthstone LLC	sold off	-100	-242,345	-	-%
May 14, 2024	ALLIANCEBERNSTEIN L.P.	reduced	-1.09	191,409	7,855,990	-%
May 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	added	0.62	25,801	624,648	-%

Are Funds Buying or Selling AFBI?

Are funds buying AFBI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own AFBI

No. of Funds

Unveiling Affinity Bancshares, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	alliancebernstein l.p.	7.5%	479,936	SC 13G/A
Feb 14, 2024	alliancebernstein l.p.	7.5%	479,936	SC 13G/A
Feb 12, 2024	lehman kenneth r	12.7%	817,322	SC 13G
Jan 25, 2024	affinity bancshares, inc.	8.6%	551,483	SC 13G/A
Feb 14, 2023	alliancebernstein l.p.	6.3%	420,116	SC 13G
Feb 13, 2023	alliancebernstein l.p.	6.3%	420,116	SC 13G
Jan 31, 2023	affinity bancshares, inc.	8.43%	556,607	SC 13G/A
Feb 11, 2022	affinity bancshares, inc.	8.12%	558,253	SC 13G
Feb 08, 2022	lehman kenneth r	11.1%	759,633	SC 13G/A
Feb 08, 2022	lehman kenneth r	11.1%	759,633	SC 13G/A

Recent SEC filings of Affinity Bancshares, Inc.

View All Filings

Date Filed	Form Type	Document
May 09, 2024	10-Q	Quarterly Report
Apr 26, 2024	8-K	Current Report
Apr 12, 2024	DEF 14A	DEF 14A
Apr 12, 2024	ARS	ARS
Mar 21, 2024	10-K	Annual Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 12, 2024	SC 13G	Major Ownership Report

Peers (Alternatives to Affinity Bancshares, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Affinity Bancshares, Inc. News

Latest updates

Affinity Bancshares, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																			(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2018Q4
Revenue	1.2%	11,221	11,085	11,024	10,863	9,728	8,978	8,224	7,653	7,279	7,366	7,622	8,217	9,248	8,009	8,671	7,255	6,698	-	-
EBITDA Margin	-5.1%	0.81*	0.85*	0.93*	1.03*	1.14*	1.23*	1.24*	1.23*	1.24*	1.23*	1.25*	1.21*	1.13*	0.97*	0.52*	-	-	-	-
Interest Expenses	0.6%	6,749	6,707	6,901	6,693	6,898	7,337	7,526	7,141	7,751	6,664	6,861	7,410	8,341	6,957	7,251	5,707	5,227	-	-
Income Taxes	3.3%	428	415	502	497	527	513	581	552	547	442	575	725	596	469	575	291	-543	-	-
Earnings Before Taxes	-8.5%	1,763	1,928	2,125	2,087	2,249	2,212	2,442	2,335	2,338	1,760	2,380	3,043	2,728	1,906	2,445	1,370	-1,841	-	-
EBT Margin	-9.0%	0.18*	0.20*	0.21*	0.24*	0.27*	0.29*	0.29*	0.29*	0.31*	0.31*	0.30*	0.30*	0.25*	0.13*	0.01*	-	-	-	-
Net Income	-11.8%	1,335	1,513	1,623	1,590	1,722	1,699	1,861	1,783	1,791	1,318	1,805	2,318	2,132	1,438	1,870	1,079	-1,298	-	-
Net Income Margin	-9.2%	0.14*	0.15*	0.16*	0.18*	0.20*	0.22*	0.22*	0.22*	0.24*	0.23*	0.23*	0.23*	0.20*	0.10*	0.01*	-	-	-	-
Free Cashflow	-33.6%	1,085	1,634	1,662	2,197	1,851	-1,110	2,100	1,657	3,528	-1,555	326	3,774	8,476	1,585	2,306	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																			(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2018Q4
Assets	3.1%	870	843	855	877	932	791	776	767	760	788	790	787	797	851	718	585	452	319	287
Cash Equivalents	22.7%	61.00	50.00	62.00	83.00	137	26.00	41.00	55.00	70.00	112	131	116	101	178	-	-	-	48.00	-
Net PPE	-2.8%	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	7.00	7.00	8.00	9.00	-	-	-	9.00	1.00
Liabilities	3.4%	746	722	737	759	814	674	661	651	644	667	670	669	682	770	638	506	374	242	257
Shareholder's Equity	1.5%	123	122	118	118	118	117	115	115	116	121	120	118	115	81.00	79.00	77.00	76.00	77.00	76.00
Retained Earnings	1.9%	73.00	71.00	70.00	68.00	67.00	65.00	64.00	62.00	60.00	58.00	57.00	55.00	53.00	51.00	-	-	-	48.00	-9.81
Additional Paid-In Capital	0.6%	61.00	61.00	61.00	61.00	63.00	63.00	63.00	63.00	64.00	68.00	68.00	68.00	68.00	34.00	-	-	-	33.00	-
Shares Outstanding	0%	6.00	6.00	6.00	6.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	-	-	-	-	-
Float	-	-	-	-	63.00	-	-	-	84.00	-	-	-	89.00	-	-	-	-	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																			(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2018Q4
Cashflow From Operations	-32.7%	1,217	1,809	1,729	2,334	1,999	-646	2,352	1,955	3,908	-1,302	671	3,816	8,666	1,840	2,365	24.00	-2,858	-	-
Cashflow From Investing	-1019.0%	-14,685	1,598	-795	275	-29,213	-26,305	-26,573	-23,751	-17,093	-17,405	11,185	23,722	-27,125	33,434	5,093	-115,598	-33,312	-	-
Cashflow From Financing	266.9%	24,838	-14,886	-22,324	-56,601	137,776	12,769	9,328	7,297	-28,693	-427	3,338	-13,220	-58,396	-36,592	-22,311	261,689	36,362	-	-
Buy Backs	-100.0%	-	284	328	1,804	867	416	514	837	3,942	-	-	-	-	-	-	-	-	-	-

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AFBI Income Statement

2024-03-31

Consolidated Statements of Income (unaudited) - USD ($)	3 Months Ended
Consolidated Statements of Income (unaudited) - USD ($)	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans, including fees	$ 9,499,000	$ 8,291,000
Investment securities	1,075,000	949,000
Interest-earning deposits	647,000	488,000
Total interest income	11,221,000	9,728,000
Interest expense:
Deposits	4,002,000	2,314,000
FHLB advances and other borrowings	470,000	516,000
Total interest expense	4,472,000	2,830,000
Net interest income before provision for credit losses	6,749,000	6,898,000
Provision for credit losses	0	7,000
Net interest income after provision for credit losses	6,749,000	6,891,000
Noninterest income:
Service charges on deposit accounts	395,000	391,000
Other	189,000	161,000
Total noninterest income	584,000	552,000
Noninterest expenses:
Salaries and employee benefits	3,179,000	3,004,000
Occupancy	618,000	644,000
Data processing	511,000	493,000
Other	1,262,000	1,053,000
Total noninterest expenses	5,570,000	5,194,000
Income before income taxes	1,763,000	2,249,000
Income tax expense	428,000	527,000
Net income	$ 1,335,000	$ 1,722,000
Weighted average common shares outstanding
Basic	6,416,628	6,599,672
Diluted	6,524,332	6,681,680
Basic earnings per share	$ 0.21	$ 0.26
Diluted earnings per share	$ 0.2	$ 0.26

AFBI Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 6,388	$ 6,030
Interest-earning deposits in other depository institutions	55,007	43,995
Cash and cash equivalents	61,395	50,025
Investment securities available-for-sale	48,239	48,561
Investment securities held-to-maturity (estimated fair value of $33,873, net of allowance for credit losses of $45 at March 31, 2024 and estimated fair value of $33,835, net of allowance for credit losses of $45 at December 31, 2023)	34,230	34,206
Other investments	5,480	5,434
Loans	674,498	659,876
Less allowance for credit losses	(8,595)	(8,921)
Net loans	665,903	650,955
Other real estate owned	2,850	2,850
Premises and equipment, net	3,691	3,797
Bank owned life insurance	16,184	16,086
Intangible assets	18,318	18,366
Other assets	13,257	12,978
Total assets	869,547	843,258
Liabilities:
Non-interest-bearing checking	164,568	154,689
Interest-bearing checking	86,734	85,362
Money market accounts	144,689	138,673
Savings accounts	74,282	74,768
Certificates of deposit	217,171	220,951
Total deposits	687,444	674,443
Federal Home Loan Bank advances and other borrowings	51,837	40,000
Accrued interest payable and other liabilities	6,966	7,299
Total liabilities	746,247	721,742
Stockholders' equity:
Common stock (par value $0.01 per share, 40,000,000 shares authorized; 6,416,628 issued and outstanding at March 31, 2024 and December 31, 2023)	64	64
Preferred stock (10,000,000 shares authorized, no shares outstanding)
Additional paid in capital	61,409	61,026
Unearned ESOP shares	(4,535)	(4,587)
Retained earnings	72,680	71,345
Accumulated other comprehensive loss	(6,318)	(6,332)
Total stockholders' equity	123,300	121,516
Total liabilities and stockholders' equity	$ 869,547	$ 843,258

About Affinity Bancshares, Inc.

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that engages in the provision of various banking products and services in Georgia. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial real estate, commercial and industrial, one- to four-family residential real estate, construction and land, and consumer loans. In addition, the company invests in U.S. treasury securities; securities and obligations 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. Further, it operates a virtual bank under the name FitnessBank, which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company was founded in 1928 and is headquartered in Covington, Georgia.

CEO	Mr. Edward J. Cooney CPA, CPA
WEBSITE	https://myaffinitybank.com
INDUSTRY	Banks Diversified
EMPLOYEES	89

Affinity Bancshares, Inc. Frequently Asked Questions

What is the ticker symbol for Affinity Bancshares, Inc.? What does AFBI stand for in stocks?

AFBI is the stock ticker symbol of Affinity Bancshares, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Affinity Bancshares, Inc. (AFBI)?

As of Fri May 17 2024, market cap of Affinity Bancshares, Inc. is 109.08 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of AFBI stock?

You can check AFBI's fair value in chart for subscribers.

What is the fair value of AFBI stock?

You can check AFBI's fair value in chart for subscribers. The fair value of Affinity Bancshares, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Affinity Bancshares, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for AFBI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Affinity Bancshares, Inc. a good stock to buy?

The fair value guage provides a quick view whether AFBI is over valued or under valued. Whether Affinity Bancshares, Inc. is cheap or expensive depends on the assumptions which impact Affinity Bancshares, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for AFBI.

What is Affinity Bancshares, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, AFBI's PE ratio (Price to Earnings) is 18 and Price to Sales (PS) ratio is 2.47. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. AFBI PE ratio will change depending on the future growth rate expectations of investors.