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
$20.37
52W High
$22.5
52W Low
$17.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 21, 2026
Market cap
$125.63M
P/E
15.79
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's Piotroski F-Score of 2/9 indicates severe financial distress, signaling weak operational and financial health. The absence of an Altman Z-Score raises red flags about bankruptcy risk, especially given the company's low ROE (6.51%) and lack of disclosed debt/equity and liquidity ratios. While the stock shows strong earnings growth (57.4% YoY) and a high profit margin (25.3%), these are undermined by poor capital efficiency and a lack of transparency in financial health metrics. The Graham Number ($24.59) and intrinsic value ($38.05) suggest undervaluation, but the current price of $20.37 is below both, which may reflect market skepticism due to structural weaknesses. Overall, the stock appears fundamentally compromised despite some positive growth signals.
Key Strengths
High profit margin of 25.30% indicates strong pricing power or cost control
Strong earnings growth of 57.40% YoY and 58.40% Q/Q suggest recent operational momentum
Revenue growth of 15.60% YoY shows top-line expansion
Current price ($20.37) is below both Graham Number ($24.59) and intrinsic value ($38.05), suggesting potential undervaluation
52-week high of $22.50 indicates recent price appreciation and market interest
Key Risks
Piotroski F-Score of 2/9 is extremely low, indicating high financial distress and weak operational health
No Altman Z-Score available; absence of this critical bankruptcy risk metric is a major red flag
ROE of 6.51% is low for a financial institution, suggesting inefficient use of equity capital
Lack of transparency in key financial health metrics (Debt/Equity, Current Ratio, Cash, Debt) limits risk assessment
Zero dividend strength and no analyst coverage suggest lack of institutional confidence
AI Fair Value Estimate
Based on comprehensive analysis
$24.59
+20.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
42
Moderate
65
70
50
25
0
AI Verdict
cautious
Key drivers: Low Piotroski F-Score (2/9), Absence of Altman Z-Score, High growth but weak capital efficiency, Undervaluation relative to Graham Number, Lack of analyst coverage and transparency
Confidence
85%
Value
65/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($20.37) is below Graham Number ($24.59)
- Intrinsic value estimate ($38.05) is significantly above current price
- Price/Book of 0.98 suggests trading below book value
Watchpoints
- No PEG or forward P/E to validate growth premium
- High Price/Sales (3.81) may indicate overvaluation relative to sales
Future
70/100
Ref Growth rates
Positives
- 57.40% YoY earnings growth and 58.40% Q/Q earnings growth indicate strong momentum
- 15.60% YoY revenue growth suggests expanding business
Watchpoints
- No forward P/E or PEG to assess sustainability of growth
- Growth may be one-time or non-recurring without visibility
Past
50/100
Ref Historical trends
Positives
- 5-year return of +94.8% shows strong historical performance
- 1-year return of +17.5% indicates recent market favor
Watchpoints
- Lack of detailed historical financials limits trend analysis
- No 50-day or 200-day moving averages available for technical context
Health
25/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- High profit margin (25.30%) suggests operational efficiency
Watchpoints
- Piotroski F-Score of 2/9 indicates severe financial distress
- No Altman Z-Score available; potential bankruptcy risk unassessed
- ROE of 6.51% is low for a bank
- Missing key liquidity and leverage ratios (Debt/Equity, Current Ratio)
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- Dividend yield and payout ratio are not reported
- Payout ratio is 0.00%
- No dividend history or strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$20.37
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AFBI and closest competitors.
Updated 2026-02-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AFBI
Affinity Bancshares, Inc.
Primary
|
+94.8% | +35.6% | +17.5% | +7.0% | +0.5% | -1.6% |
|
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
15.79
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.98
P/S Ratio
3.81
EV/Revenue
3.84
EV/EBITDA
N/A
Market Cap
$125.63M
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
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
15.79
This Stock
vs
30.39
Sector Avg
-48.0%
(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 | $125.63M | 15.79 | 6.5% | 25.3% | $20.37 | |
|
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 |
Past News Coverage
Recent headlines mentioning AFBI from our newsroom.
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