Affinity Bancshares, Inc. (AFBI)

US — Financial Services Sector
Peers: CULL  HFBL  LNKB  FFBW  BCOW  BSBK  RMBI  MSVB 

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Key Metrics & Ratings

  • symbol AFBI
  • Rev/Share 8.0524
  • Book/Share 19.516
  • PB 1.0105
  • Debt/Equity 0.4351
  • CurrentRatio 0.0622
  • ROIC -0.0104

 

  • MktCap 124086562.0
  • FreeCF/Share 1.6083
  • PFCF 12.1332
  • PE 17.7667
  • Debt/Assets 0.0578
  • DivYield 0.0761
  • ROE 0.056

 

  • Rating B
  • Score 3
  • Recommendation Neutral
  • P/E Score 2
  • DCF Score 4
  • P/B Score 3
  • D/E Score 3

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
No ratings available.

News

Affinity Bancshares: No Dividend, But Buying Back Its Own Shares
AFBI
Published: September 19, 2025 by: Seeking Alpha
Sentiment: Positive

Affinity Bancshares reported strong H1 results, with net interest income up and EPS doubling year-over-year to $0.34 in Q2. AFBI's loan book is heavily weighted toward commercial real estate, with manageable non-accruing loans and strong collateralization in the office segment. The bank's tangible book value stands at $16.80 per share, trading at a reasonable premium and 13-14x annualized H1 earnings.

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image for news Affinity Bancshares: No Dividend, But Buying Back Its Own Shares
Affinity Bancshares: The Sale Fell Through, I'm Not A Buyer Yet
AFBI
Published: May 06, 2025 by: Seeking Alpha
Sentiment: Positive

Affinity Bancshares saw a net profit of $5.44M in 2024, despite a 15% decrease in EPS due to increased non-interest expenses. The bank's net interest income rose to $29.2M, driven by higher interest income and controlled interest expenses. With a solid loan book and minimal loan loss provisions, Affinity's tangible book value per share increased to $17.30.

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image for news Affinity Bancshares: The Sale Fell Through, I'm Not A Buyer Yet

About Affinity Bancshares, Inc. (AFBI)

  • IPO Date 2017-04-28
  • Website https://myaffinitybank.com
  • Industry Banks - Regional
  • CEO Edward J. Cooney CPA, CPA
  • Employees 88
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer loans. In addition, the company invests in U.S. treasury securities; securities 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. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.