A Business at a Glance
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Affinity Bancshares, Inc. operates in the Savings Institutions, Not Federally Chartered industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 32M | 31M | 30M | 32M | 32M | 27M |
| Net Income | 7.5M | 5.4M | 6.4M | 7.1M | 7.6M | 3.1M |
| EPS | $1.17 | $0.83 | $0.98 | $1.06 | $1.09 | $0.41 |
| Free Cash Flow | 9.9M | 6.4M | 7.3M | 6.2M | 11M | 920K |
| ROIC | 6.0% | 4.2% | 5.3% | 6.1% | 6.3% | 3.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 5.71 | 5.94 | 5.76 | 5.51 | 9.53 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 764K | 745K | 846K | 791K | 1.2M | 777K |
| Operating Margin | 2.4% | 2.4% | 2.9% | 2.5% | 3.7% | 2.8% |
| ROE | 6.0% | 4.3% | 5.3% | 6.1% | 6.3% | 3.8% |
| Shares Outstanding | 6M | 7M | 7M | 7M | 7M | 8M |
| Metric | 2019 | 2020 | 2021 | 2022 | |||
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | 14M | 27M | 32M | 32M | 30M | 31M | 32M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 511K | 777K | 1.2M | 791K | 846K | 745K | 764K |
| Op. Margin | 3.6% | 2.8% | 3.7% | 2.5% | 2.9% | 2.4% | 2.4% |
| Net Income | 355K | 3.1M | 7.6M | 7.1M | 6.4M | 5.4M | 7.5M |
| Net Margin | 2.5% | 11.3% | 23.7% | 22.2% | 21.7% | 17.4% | 23.5% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||
| ROIC | 1.9% | 3.8% | 6.3% | 6.1% | 5.3% | 4.2% | 6.0% |
| ROE | 0.5% | 3.8% | 6.3% | 6.1% | 5.3% | 4.3% | 6.0% |
| ROA | 0.1% | 0.4% | 1.0% | 0.9% | 0.8% | 0.6% | 65.8% |
| Cash Flow | |||||||
| Op. Cash Flow | 1.6M | 1.4M | 12M | 7.6M | 7.9M | 6.8M | 10M |
| Free Cash Flow | 1.3M | 920K | 11M | 6.2M | 7.3M | 6.4M | 9.9M |
| Owner Earnings | 751K | 674K | 11M | 7.2M | 7.1M | 6.1M | 9.5M |
| CapEx | 377K | 451K | 830K | 1.4M | 527K | 422K | 352K |
| Maint. CapEx | 885K | 697K | 674K | 338K | 735K | 738K | 738K |
| Growth CapEx | 0 | 0 | 156K | 1.1M | 0 | 0 | 0 |
| D&A | 885K | 697K | 674K | 338K | 735K | 738K | 738K |
| CapEx/OCF | 23.0% | 32.9% | 7.0% | 18.4% | 6.7% | 6.2% | 3.4% |
| Capital Allocation | |||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 600K | 0 | 0 | 5.7M | 3.3M | 0 | 0 |
| Buyback Yield | 0.7% | N/A | N/A | 6.5% | 3.3% | N/A | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 5.0M | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | -85M |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | N/A | 85M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 3.14 | 9.53 | 5.51 | 5.76 | 5.94 | 5.71 | 0.00 |
| Interest Coverage | 0.2 | 0.1 | 0.4 | 0.3 | 0.6 | 0.3 | 0.3 |
| Equity | 77M | 81M | 121M | 117M | 122M | 129M | 125M |
| Total Assets | 319M | 851M | 788M | 791M | 843M | 867M | 11M |
| Total Liabilities | 242M | 770M | 667M | 674M | 722M | 738M | 151M |
| Intangibles | N/A | 38M | 37M | 37M | 37M | 36M | 36M |
| Retained Earnings | 48M | 51M | 58M | 65M | 71M | 77M | 77M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||
| EPS | 0.05 | 0.41 | 1.09 | 1.06 | 0.98 | 0.83 | 1.17 |
| Owner EPS | 0.11 | 0.09 | 1.61 | 1.07 | 1.08 | 0.92 | 1.54 |
| Book Value | 10.87 | 10.73 | 17.41 | 17.40 | 18.47 | 19.70 | 20.33 |
| Cash Flow/Share | 0.23 | 0.18 | 1.71 | 1.12 | 1.20 | 1.04 | 1.34 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 7.1M | 7.5M | 6.9M | 6.7M | 6.6M | 6.6M | 6.2M |
| Valuation | |||||||
| P/E Ratio | 230.6 | 24.5 | 12.8 | 12.3 | 15.2 | 24.3 | 19.1 |
| P/FCF | 65.0 | 82.4 | 8.8 | 14.2 | 13.3 | 20.7 | 14.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | 69.7 |
| Price/Book | 1.1 | 0.9 | 0.8 | 0.8 | 0.8 | 1.0 | 1.1 |
| Price/Sales | 5.2 | 2.4 | 2.6 | 2.9 | 2.9 | 3.8 | 4.3 |
| FCF Yield | 1.5% | 1.2% | 11.4% | 7.0% | 7.5% | 4.8% | 7.2% |
| Market Cap | 82M | 76M | 97M | 88M | 98M | 132M | 138M |
| Avg. Price | 10.56 | 8.61 | 12.00 | 13.80 | 13.12 | 17.88 | 22.39 |
| Year-End Price | 11.53 | 10.06 | 13.96 | 13.07 | 14.90 | 20.16 | 22.39 |
Affinity Bancshares, Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
Affinity Bancshares, Inc. trades at 19.1x trailing earnings, compared to its 15-year median P/E of 15.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 14.0x vs a median of 17.5x. The company's 5-year average ROIC is 5.1%. At current prices, the estimated annualized return to fair value is +43.7%.
Affinity Bancshares, Inc. (AFBI) has a current P/E ratio of 19.1, compared to its historical median P/E of 15.2. The stock is currently considered Fair based on its historical valuation range.
Affinity Bancshares, Inc. (AFBI) has a 5-year average return on invested capital (ROIC) of 5.1%. This is below average and may indicate limited pricing power.
Affinity Bancshares, Inc. (AFBI) has a market capitalization of $138M. It is classified as a small-cap stock.
Affinity Bancshares, Inc. (AFBI) does not currently pay a regular dividend.
Based on historical P/E analysis, Affinity Bancshares, Inc. (AFBI) appears fair. The current P/E of 19.1 is 26% above its historical median of 15.2. The estimated fair value CAGR (P/E method) is 57.6%.
Affinity Bancshares, Inc. (AFBI) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
Affinity Bancshares, Inc. (AFBI) reported annual revenue of $31 million in its most recent fiscal year, based on SEC EDGAR filings.
Affinity Bancshares, Inc. (AFBI) has a net profit margin of 17.4%. This is a healthy margin.
Affinity Bancshares, Inc. (AFBI) generated $6 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Affinity Bancshares, Inc. (AFBI) has a debt-to-equity ratio of 5.71. This indicates higher leverage, which may increase financial risk.
Affinity Bancshares, Inc. (AFBI) reported earnings per share (EPS) of $0.83 in its most recent fiscal year.
Affinity Bancshares, Inc. (AFBI) has a return on equity (ROE) of 4.3%. This indicates moderate shareholder returns.
The Ledger Terminal provides 6 years of financial data for Affinity Bancshares, Inc. (AFBI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Affinity Bancshares, Inc. (AFBI) has a book value per share of $19.70, based on its most recent annual SEC filing.