Stock Scorecard
Stock Summary for Affinity Bancshares Inc (AFBI) - $18.45 as of 5/9/2025 4:41:07 PM EST
Total Score
9 out of 30
Safety Score
56 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for AFBI
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for AFBI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for AFBI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for AFBI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for AFBI (56 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 10 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for AFBI
Financial Details for AFBI
Company Overview |
|
|---|---|
| Ticker | AFBI |
| Company Name | Affinity Bancshares Inc |
| Country | USA |
| Description | Affinity Bancshares, Inc. is the holding company of Affinity Bank offering various banking products and services. The company is headquartered in Covington, Georgia. |
| Sector Name | FINANCE |
| Industry Name | SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 18.45 |
| Price 4 Years Ago | 14.21 |
| Last Day Price Updated | 5/9/2025 4:41:07 PM EST |
| Last Day Volume | 1,614 |
| Average Daily Volume | 11,462 |
| 52-Week High | 20.80 |
| 52-Week Low | 15.39 |
| Last Price to 52 Week Low | 19.88% |
Valuation Measures |
|
| Trailing PE | 20.00 |
| Industry PE | 14.77 |
| Sector PE | 18.79 |
| 5-Year Average PE | 12.41 |
| Free Cash Flow Ratio | 18.83 |
| Industry Free Cash Flow Ratio | 8.68 |
| Sector Free Cash Flow Ratio | 25.54 |
| Current Ratio Most Recent Quarter | 7.66 |
| Total Cash Per Share | 0.98 |
| Book Value Per Share Most Recent Quarter | 19.25 |
| Price to Book Ratio | 0.95 |
| Industry Price to Book Ratio | 0.99 |
| Sector Price to Book Ratio | 2.06 |
| Price to Sales Ratio Twelve Trailing Months | 3.75 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.44 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 6,329,700 |
| Market Capitalization | 116,782,965 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 3/13/2025 |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 1.5000 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.50 |
| Trailing Annual Dividend Yield | 8.13% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 1 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | 164.84% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 40.00% |
| Annual Earnings Growth | -15.62% |
| Reported EPS 12 Trailing Months | 0.91 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 0.83 |
| Net Income Twelve Trailing Months | 5,937,000 |
| Net Income Past Year | 5,441,000 |
| Net Income Prior Year | 6,448,000 |
| Quarterly Revenue Growth YOY | 5.90% |
| 5-Year Revenue Growth | 16.36% |
| Operating Margin Twelve Trailing Months | 31.00% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 6,205,000 |
| Total Cash Past Year | 41,425,000 |
| Total Cash Prior Year | 50,025,000 |
| Net Cash Position Most Recent Quarter | -52,610,000 |
| Net Cash Position Past Year | -17,390,000 |
| Long Term Debt Past Year | 58,815,000 |
| Long Term Debt Prior Year | 40,000,000 |
| Total Debt Most Recent Quarter | 58,815,000 |
| Equity to Debt Ratio Past Year | 0.69 |
| Equity to Debt Ratio Most Recent Quarter | 0.68 |
| Total Stockholder Equity Past Year | 129,115,000 |
| Total Stockholder Equity Prior Year | 121,516,000 |
| Total Stockholder Equity Most Recent Quarter | 122,279,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 6,244,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 0.99 |
| Free Cash Flow Past Year | 6,369,000 |
| Free Cash Flow Prior Year | 7,344,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.16 |
| MACD Signal | 0.16 |
| 20-Day Bollinger Lower Band | 15.80 |
| 20-Day Bollinger Middle Band | 17.64 |
| 20-Day Bollinger Upper Band | 19.47 |
| Beta | 0.29 |
| RSI | 57.47 |
| 50-Day SMA | 15.38 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 14.92 |
System |
|
| Modified | 5/9/2025 4:41:08 PM EST |