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AFBI

NEUTRAL
$19.95 Live
Affinity Bancshares, Inc. · NASDAQ
$17.0 52W Range $22.5

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Mar 07, 2026
Market cap
$123.04M
P/E
15.47
ROE
6.5%
Profit margin
25.3%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
80%
AFBI shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Mixed signals with both opportunities and risks present.

Key Strengths

Strong profitability (25.3% margin)
Strong revenue growth of 15.6%

Key Risks

Weak financial trend (Piotroski F-Score: 2/9)
AI Fair Value Estimate
Based on comprehensive analysis
$38.05
+90.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
45
Moderate
Value
60
Future
75
Past
60
Health
30
Dividend
0
AI Verdict
AFBI shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Mixed signals with both opportunities and risks present.
Key drivers: Strong profitability (25.3% margin), Strong revenue growth of 15.6%, Weak financial trend (Piotroski F-Score: 2/9)
Confidence
60%
Value
60/100

Rule-based valuation (P/E + Graham).

Positives
  • Trades below Graham Number.
Watchpoints
No urgent risks highlighted.
Future
75/100

Rule-based growth outlook.

Positives
  • Revenue growth running at 15.6%.
  • Growth-implied value exceeds price.
Watchpoints
No urgent risks highlighted.
Past
60/100

Historical performance + price trend: Shares moved +90.8% over 5Y and +8.5% over 1Y.

Positives
  • Healthy profit margin of 25.3%.
Watchpoints
No urgent risks highlighted.
Health
30/100

Balance sheet & liquidity (Z-Score: N/A).

Positives
  • Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
0/100

Dividend policy fallback.

Positives
  • Insufficient data for clear positives.
Watchpoints
  • No regular dividend payments.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$19.95

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for AFBI and closest competitors.

Updated 2026-03-06
AFB
Affinity Bancshares, Inc.
Primary
5Y
+90.8%
3Y
+37.0%
1Y
+8.5%
6M
+2.0%
1M
-3.1%
1W
+0.2%
LSB
Lake Shore Bancorp, Inc.
Peer
5Y
+69.6%
3Y
+124.1%
1Y
+51.9%
6M
+24.0%
1M
+1.8%
1W
+1.8%
HYN
Hoyne Bancorp, Inc.
Peer
5Y
+14.9%
3Y
+14.9%
1Y
+14.9%
6M
+14.9%
1M
+11.7%
1W
+7.5%
BTA
BlackRock Long-Term Municipal Advantage Trust
Peer
5Y
-3.9%
3Y
+10.0%
1Y
+2.3%
6M
+10.9%
1M
+1.1%
1W
-1.8%
OIO
OIO Group
Peer
5Y
-69.2%
3Y
-71.8%
1Y
+62.2%
6M
-21.8%
1M
-3.5%
1W
+1.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
15.47
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.96
P/S Ratio
3.74
EV/Revenue
3.64
EV/EBITDA
N/A
Market Cap
$123.04M

Profitability

Profit margins and return metrics

Profit Margin 25.3%
Operating Margin 36.1%
Gross Margin N/A
ROE 6.51%
ROA 0.95%

Growth

Revenue and earnings growth rates

Revenue Growth +15.6%
Earnings Growth +57.4%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth +58.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$8.83

Financial Services Sector Comparison

Comparing AFBI against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
P/E Ratio
15.47
This Stock
vs
46.02
Sector Avg
-66.4% (Discount)
Return on Equity (ROE)
6.51%
This Stock
vs
0.23%
Sector Avg
+2744.1% (Excellent)
Profit Margin
25.3%
This Stock
vs
50.44%
Sector Avg
-49.8% (Weaker)
Revenue Growth
15.6%
This Stock
vs
37.35%
Sector Avg
-58.2% (Slower)

Similar Companies

Peer comparison within the same industry

Past News Coverage

Recent headlines mentioning AFBI from our newsroom.

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