Affinity Bancshares, Inc.
General ticker "AFBI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $123.3M (TTM average)
Affinity Bancshares, Inc. follows the US Stock Market performance with the rate: 48.8%.
Estimated limits based on current volatility of 0.1%: low 22.68$, high 22.73$
Factors to consider:
- Total employees count: 82 (-10.9%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Funding access, Real estate decline, Regulatory and compliance
- Earnings for 3 months up through Q1 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [16.74$, 22.32$]
- 2026-12-31 to 2027-12-31 estimated range: [16.32$, 22.04$]
Financial Metrics affecting the AFBI estimates:
- Positive: with PPE of 14.9 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 33.99 > 18.40
- Positive: 6.62 < Operating cash flow per share per price, % of 9.00
- Positive: -3.72 < Return on assets ratio (scaled to [-100,100]) of 0.94
- Negative: Shareholder equity ratio, % of 14.41 <= 19.19
- Negative: -0.15 < Industry inventory ratio change (median), % of 0
Short-term AFBI quotes
Long-term AFBI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $29.66MM | $31.18MM | $33.06MM |
| Operating Expenses | $21.28MM | $24.20MM | $21.82MM |
| Operating Income | $8.39MM | $6.98MM | $11.24MM |
| Interest Expense | $15.50MM | $18.81MM | $19.87MM |
| Income(Loss) | $8.39MM | $6.98MM | $11.24MM |
| Taxes | $1.94MM | $1.54MM | $2.90MM |
| Net Income(Loss)* | $6.45MM | $5.44MM | $8.33MM |
| Stockholders Equity | $121.52MM | $129.12MM | $127.02MM |
| Assets | $843.26MM | $866.82MM | $881.70MM |
| Operating Cash Flow | $7.87MM | $6.79MM | $11.64MM |
| Capital expenditure | $0.53MM | $0.42MM | $0.42MM |
| Investing Cash Flow | $-28.14MM | $-33.24MM | $-1.24MM |
| Financing Cash Flow | $43.97MM | $17.85MM | $2.02MM |
| Earnings Per Share** | $1.00 | $0.85 | $1.36 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.