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XNASAFBI
Market cap117mUSD
Jan 17, Last price  
18.36USD
1D
-0.70%
1Q
-13.44%
IPO
36.30%
Name

Affinity Bancshares Inc

Chart & Performance

D1W1MN
XNAS:AFBI chart
P/E
18.26
P/S
3.96
EPS
1.01
Div Yield, %
0.00%
Shrs. gr., 5y
1.01%
Rev. gr., 5y
13.00%
Revenues
30m
-7.62%
11,752,00012,261,00013,633,00016,120,00014,351,00027,009,00032,081,00032,157,00029,706,000
Net income
6m
-9.62%
1,614,0001,157,0001,365,000449,000355,0003,088,0007,573,0007,134,0006,448,000
CFO
8m
+3.99%
2,869,0001,926,0003,104,0002,327,0001,636,0001,371,00011,851,0007,569,0007,871,000
Earnings
Jan 30, 2025

Profile

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.
URL
https://affinitybankshares.q4ir.com/
IPO date
Apr 28, 2017
Employees
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑092016‑092015‑09
Income
Revenues
29,706
-7.62%
32,157
0.24%
Cost of revenue
16,780
12,697
Unusual Expense (Income)
NOPBT
12,926
19,460
NOPBT Margin
43.51%
60.52%
Operating Taxes
1,940
2,193
Tax Rate
15.01%
11.27%
NOPAT
10,986
17,267
Net income
6,448
-9.62%
7,134
-5.80%
Dividends
Dividend yield
Proceeds from repurchase of equity
(3,283)
(5,709)
BB yield
3.14%
5.59%
Debt
Debt current
Long-term debt
40,000
10,025
Deferred revenue
Other long-term liabilities
678,702
(3,042)
Net debt
(98,226)
(162,835)
Cash flow
Cash from operating activities
7,871
7,569
CAPEX
(527)
(1,394)
Cash from investing activities
(28,135)
(93,722)
Cash from financing activities
43,965
701
FCF
40,671
(4,425)
Balance
Cash
50,025
99,051
Long term investments
88,201
73,809
Excess cash
136,741
171,252
Stockholders' equity
65,077
58,768
Invested Capital
778,181
732,515
ROIC
1.45%
2.36%
ROCE
1.53%
2.46%
EV
Common stock shares outstanding
6,557
6,762
Price
15.97
5.76%
15.10
-1.95%
Market cap
104,716
2.56%
102,103
-3.54%
EV
6,490
(60,732)
EBITDA
13,660
19,798
EV/EBITDA
0.48
Interest
15,502
2,379
Interest/NOPBT
119.93%
12.23%