Affinity Bancshares, Inc.
General ticker "AFBI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $121.0M (TTM average)
Affinity Bancshares, Inc. follows the US Stock Market performance with the rate: 45.4%.
Estimated limits based on current volatility of 0.6%: low 19.71$, high 19.94$
Factors to consider:
- Company pays dividends (irregularly): last record date 2025-03-13, amount 1.50$ (Y7.63%)
- Total employees count: 93 (+1.1%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Loan delinquencies, Funding access, Real estate value fluctuations, Loan demand
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [20.33$, 26.74$]
- 2025-12-31 to 2026-12-31 estimated range: [20.10$, 26.80$]
Financial Metrics affecting the AFBI estimates:
- Positive: with PPE of 26.0 at the end of fiscal year the price was neutral
- Positive: 7.67 < Operating profit margin, % of 13.97
- Negative: Shareholder equity ratio, % of 14.90 <= 19.40
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 0.62
- Negative: Investing cash flow per share per price, % of -24.17 <= -14.22
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry operating cash flow per share per price (median), % of 10.58 > 10.29
- Positive: Industry operating profit margin (median), % of 20.70 > 9.59
Short-term AFBI quotes
Long-term AFBI plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $34.54MM | $45.17MM | $49.99MM |
| Operating Expenses | $25.21MM | $36.78MM | $43.01MM |
| Operating Income | $9.33MM | $8.39MM | $6.98MM |
| Interest Expense | $2.38MM | $15.50MM | $18.81MM |
| Income(Loss) | $9.33MM | $8.39MM | $6.98MM |
| Taxes | $2.19MM | $1.94MM | $1.54MM |
| Profit(Loss)* | $7.13MM | $6.45MM | $5.44MM |
| Stockholders Equity | $117.10MM | $121.52MM | $129.12MM |
| Assets | $791.28MM | $843.26MM | $866.82MM |
| Operating Cash Flow | $7.57MM | $7.87MM | $6.79MM |
| Capital expenditure | $1.39MM | $0.53MM | $0.42MM |
| Investing Cash Flow | $-93.72MM | $-28.14MM | $-33.24MM |
| Financing Cash Flow | $0.70MM | $43.97MM | $17.85MM |
| Earnings Per Share** | $1.07 | $1.00 | $0.85 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.