AFBI Affinity Bancshares, Inc. - Fundamental Analysis
BEARISH
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AFBI Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$20.7
52W High
$22.5
52W Low
$17.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 14, 2026
Market cap
$127.67M
P/E
16.05
ROE
6.5%
Profit margin
25.3%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
85%
Analysis Accuracy
AFBI exhibits weak financial health per the Piotroski F-Score of 2/9, signaling significant operational and financial distress risks. The absence of an Altman Z-Score raises concern about bankruptcy risk, especially given the company's low ROE (6.51%) and lack of available leverage and liquidity metrics. While the stock shows strong profitability (25.3% margin) and impressive earnings growth (57.4% YoY), these are offset by a lack of dividend, minimal insider buying, and a bearish technical trend. The current price of $20.70 trades at a premium to the Graham Number ($24.59) and intrinsic value ($38.05), suggesting overvaluation relative to conservative valuation models.
Key Strengths
High profit margin of 25.30% indicates strong pricing power and cost control
Exceptional earnings growth of 57.40% YoY and 58.40% Q/Q signals strong near-term momentum
Positive 5-year stock return of +102.2% reflects strong historical performance
Low Price/Book ratio of 0.99 suggests potential undervaluation on book value
Strong revenue growth of 15.60% YoY demonstrates top-line expansion
Key Risks
Piotroski F-Score of 2/9 indicates severe financial distress and weak operational health
No Altman Z-Score available with no liquidity or leverage data, raising bankruptcy risk concerns
Zero dividend yield and 0% payout ratio suggest no return to shareholders
Insider selling of $0.15M in the last 6 months signals negative sentiment from management
Technical trend score of 0/100 indicates strong bearish momentum in price action
AI Fair Value Estimate
Based on comprehensive analysis
$24.59
+18.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
44
Moderate
55
78
68
20
0
AI Verdict
Weak
Key drivers: Low Piotroski F-Score (2/9), Absence of Altman Z-Score, Bearish insider activity, High growth but weak profitability metrics, Overvaluation relative to Graham Number
Confidence
85%
Value
55/100
Ref P/E, PEG, Graham Number
Positives
- Price/Book of 0.99 suggests trading below book value
- Graham Number of $24.59 provides a defensive floor
Watchpoints
- Current price of $20.70 is below Graham Number, but intrinsic value is $38.05
- Stock trades at a premium to Graham Number due to growth expectations
- No PEG or forward P/E to validate growth premium
Future
78/100
Ref Growth rates
Positives
- 57.40% YoY earnings growth and 58.40% Q/Q earnings growth indicate strong momentum
- 15.60% revenue growth suggests expanding business
Watchpoints
- No forward P/E or PEG ratio to validate sustainability of growth
- Growth may be one-time or non-recurring given lack of historical consistency
Past
68/100
Ref Historical trends
Positives
- 5-year stock return of +102.2% reflects strong historical performance
- 1-year return of +21.5% shows recent strength
Watchpoints
- No long-term trend data (e.g., 50/200-day averages) for technical validation
- Recent 1-week and 1-month gains are modest, suggesting weakening momentum
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- High operating margin of 36.10% indicates efficient operations
Watchpoints
- Piotroski F-Score of 2/9 indicates severe financial distress
- ROE of 6.51% is low for a financial institution
- ROA of 0.95% is below industry average
- No available debt/equity, current ratio, or cash data limits health assessment
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout ratio
- Dividend Strength score of 0/100 indicates no return to shareholders
- Zero insider buy activity suggests no focus on shareholder returns
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$20.7
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AFBI and closest competitors.
Updated 2026-02-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AFBI
Affinity Bancshares, Inc.
Primary
|
+102.2% | +41.7% | +21.5% | +8.9% | +2.7% | +1.1% |
|
BTA
BlackRock Long-Term Municipal Advantage Trust
Peer
|
-3.9% | +10.0% | +2.3% | +10.9% | +1.1% | -1.8% |
|
BCBP
BCB Bancorp, Inc.
Peer
|
-14.4% | -47.9% | -27.2% | -4.7% | -5.0% | +2.1% |
|
BWG
Legg Mason BW Global Income Opportunities Fund Inc.
Peer
|
+19.4% | +43.0% | +15.9% | +8.0% | +0.8% | +0.7% |
|
BGX
Blackstone Long-Short Credit Income Fund
Peer
|
+30.5% | +36.9% | -0.5% | -2.2% | +0.5% | -0.4% |
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
16.05
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.99
P/S Ratio
3.88
EV/Revenue
3.84
EV/EBITDA
N/A
Market Cap
$127.67M
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 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
16.05
This Stock
vs
30.38
Sector Avg
-47.2%
(Discount)
Return on Equity (ROE)
6.51%
This Stock
vs
-7.57%
Sector Avg
-185.9%
(Below Avg)
Profit Margin
25.3%
This Stock
vs
83.86%
Sector Avg
-69.8%
(Weaker)
Revenue Growth
15.6%
This Stock
vs
30.29%
Sector Avg
-48.5%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AFBI
Affinity Bancshares, Inc.
|
BEARISH | $127.67M | 16.05 | 6.5% | 25.3% | $20.7 | |
|
BTA
BlackRock Long-Term...
|
BEARISH | $126.6M | - | -6.4% | -77.7% | $9.42 | |
|
BCBP
BCB Bancorp, Inc.
|
BEARISH | $135.41M | 131.0 | 0.9% | 4.3% | $7.86 | |
|
BWG
Legg Mason BW Global...
|
BEARISH | $142.23M | 9.21 | -% | -% | $8.47 | |
|
BGX
Blackstone Long-Short...
|
BEARISH | $148.05M | 12.39 | -% | -% | $11.65 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-08-25 | VICKERS ROBERT | Chief Operating Officer | Sale | 7,565 | $147,291 |
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning AFBI from our newsroom.
Newest → oldest
No matching news yet.