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Affinity Bancshares, Inc. AFBI

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Price alert · AFBI

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23.00 USD 0.00 0.00%

At close · Jul 31

22.60 -0.40 -1.74%

After hours · Jul 31, 4:00 PM ET

Bid
22.59 × 1
Ask
22.60 × 2
22.97 Day range 23.00
18.36 52-week range 23.00
YTD
+12.36%
1 year
+24.46%
Open
22.98
Prev close
23.00
Mkt cap
140.18M
Vol
11.22K
Avg vol
16.20K
EPS
1.37
P/E
0.00
Div yield
0.00%
More statistics
Low
22.97
High
23.00
Forward P/E
0.00
Beta
0.51
Short ratio
2.82
Inst. own
23.52%
Dividend
0.00
Ex-div date
50-d avg
21.53
200-d avg
20.01
1y target
0.00

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Financial health

Altman Z-Score

0.36 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 15.4×
FY 2016: 69.9×FY 2017: 61.3×FY 2018: 162×FY 2019: 222×FY 2020: 22.0×FY 2021: 14.0×FY 2022: 14.1×FY 2023: 16.0×FY 2024: 20.6×FY 2025: 15.4×
FY 2016 5y median 15.4× FY 2025
P/S 2.4×
FY 2016: 6.8×FY 2017: 6.2×FY 2018: 4.5×FY 2019: 4.7×FY 2020: 2.1×FY 2021: 3.0×FY 2022: 2.9×FY 2023: 2.3×FY 2024: 2.2×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
P/B 1.0×
FY 2016: 1.8×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025
P/FCF 11.2×
FY 2016: 53.6×FY 2017: -67.9×FY 2018: -12.2×FY 2019: 62.5×FY 2020: 73.9×FY 2021: 9.6×FY 2022: 16.3×FY 2023: 14.1×FY 2024: 17.6×FY 2025: 11.2×
FY 2016 5y median 14.1× FY 2025
EV/EBITDA 10.5×
FY 2016: 26.4×FY 2017: 36.5×FY 2018: 19.1×FY 2019: 25.3×FY 2020: -18.8×FY 2021: 4.1×FY 2022: 8.7×FY 2023: 10.2×FY 2024: 16.8×FY 2025: 10.5×
FY 2016 5y median 10.2× FY 2025
EV/Sales 2.4×
FY 2016: 4.7×FY 2017: 6.7×FY 2018: 2.8×FY 2019: 1.8×FY 2020: -2.7×FY 2021: 1.2×FY 2022: 2.4×FY 2023: 2.1×FY 2024: 2.6×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
FCF Yield 8.9%
FY 2016: 1.9%FY 2017: -1.5%FY 2018: -8.2%FY 2019: 1.6%FY 2020: 1.4%FY 2021: 10.4%FY 2022: 6.1%FY 2023: 7.1%FY 2024: 5.7%FY 2025: 8.9%
FY 2016 5y median 7.1% FY 2025

Profitability

Gross Margin 62.2%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 86.1%FY 2020: 77.0%FY 2021: 87.9%FY 2022: 91.1%FY 2023: 65.8%FY 2024: 61.5%FY 2025: 62.2%
FY 2016 5y median 65.8% FY 2025
Operating Margin 21.2%
FY 2016: 28.7%FY 2017: 27.8%FY 2018: 20.6%FY 2019: 2.0%FY 2020: 11.9%FY 2021: 28.2%FY 2022: 27.0%FY 2023: 18.6%FY 2024: 14.0%FY 2025: 21.2%
FY 2016 5y median 21.2% FY 2025
Net Margin 15.7%
FY 2016: 9.4%FY 2017: 10.0%FY 2018: 2.8%FY 2019: 2.1%FY 2020: 9.5%FY 2021: 21.6%FY 2022: 20.7%FY 2023: 14.3%FY 2024: 10.9%FY 2025: 15.7%
FY 2016 5y median 15.7% FY 2025
ROE 6.6%
FY 2016: 2.6%FY 2017: 1.8%FY 2018: 0.6%FY 2019: 0.5%FY 2020: 3.8%FY 2021: 6.3%FY 2022: 6.1%FY 2023: 5.3%FY 2024: 4.2%FY 2025: 6.6%
FY 2016 5y median 6.1% FY 2025
ROIC 4.5%
FY 2016: 0.9%FY 2017: 1.0%FY 2018: 0.3%FY 2019: 0.4%FY 2020: 1.5%FY 2021: 4.5%FY 2022: 5.6%FY 2023: 3.8%FY 2024: 2.8%FY 2025: 4.5%
FY 2016 5y median 4.5% FY 2025
ROA 0.9%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.1%FY 2019: 0.1%FY 2020: 0.4%FY 2021: 1.0%FY 2022: 0.9%FY 2023: 0.8%FY 2024: 0.6%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 5.9%
FY 2016: 4.3%FY 2017: 11.2%FY 2018: 18.2%FY 2019: 3.4%FY 2020: 94.9%FY 2021: 8.2%FY 2022: -1.7%FY 2023: 30.8%FY 2024: 10.7%FY 2025: 5.9%
FY 2016 FY 2025
Operating Income 60.9%
FY 2016: -14.1%FY 2017: 7.6%FY 2018: -12.6%FY 2019: -90.2%FY 2020: 1090.2%FY 2021: 155.4%FY 2022: -5.9%FY 2023: -10.1%FY 2024: -16.8%FY 2025: 60.9%
FY 2016 FY 2025
EPS (diluted) 55.4%
FY 2016: -26.9%FY 2017: 15.8%FY 2018: -67.3%FY 2019: -28.3%FY 2020: 772.1%FY 2021: 142.2%FY 2022: -2.8%FY 2023: -7.5%FY 2024: -15.3%FY 2025: 55.4%
FY 2016 FY 2025
Free Cash Flow 76.1%
FY 2016: -41.4%FY 2017: -180.1%FY 2018: -381.5%FY 2019: 121.1%FY 2020: -26.9%FY 2021: 1097.9%FY 2022: -44.0%FY 2023: 18.9%FY 2024: -13.3%FY 2025: 76.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.0×FY 2017: 1.0×FY 2018: 1.4×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.0×FY 2017: 1.0×FY 2018: 1.4×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.4×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.1×FY 2023: 0.3×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 0.0×
FY 2016: -11.3×FY 2017: 3.0×FY 2018: -11.7×FY 2019: -39.7×FY 2020: -33.7×FY 2021: -5.9×FY 2022: -1.7×FY 2023: -1.1×FY 2024: 2.3×FY 2025: 0.0×
FY 2016 5y median -1.1× FY 2025
Interest Coverage 0.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.7×FY 2021: 3.1×FY 2022: 3.9×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 7.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 7.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 105.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 105.6%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31