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Affinity Bancshares, Inc. (AFBI)
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 27 | 32 | 32 | 30 | 31 | 33 | 33 |
| Operating profit | $m | 11 | 11 | |||||
| Net profit | $m | 3 | 8 | 7 | 6 | 5 | 8 | 9 |
| EPS reported | $ | 1.29 | 1.37 | |||||
| Operating cashflow per share | $ | 1.90 | 2.32 | |||||
| Capex per share | $ | 0.07 | 0.05 | |||||
| FCF per share | $ | 1.83 | 2.27 | |||||
| Free cash flow | $m | 11 | 14 | |||||
| Net debt | $m | -17 | 11 | |||||
| Book value equity | $m | 127 | 129 | |||||
| Book value per share | $ | 20.09 | 20.56 | |||||
| Number of shares | m | 6.32 | 6.3 | |||||
| DPS (TTM paid) | $ | 1.43 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 15.87 | 16.79 | |||||
| P/B LTM | x | 0.99 | 1.08 | |||||
| P/S LTM | x | 3.80 | 4.27 | |||||
| P/FCF LTM | x | 11.20 | 10.14 | |||||
| EV/EBITDA LTM | x | 10.52 | 12.62 | |||||
| EV/Sales LTM | x | 2.38 | 4.61 | |||||
| Earnings Yield LTM | % | 6.30% | 5.96% | |||||
| FCF Yield | % | 8.93% | 9.86% | |||||
| Quality | ||||||||
| ROE | % | 6.56% | 6.95% | |||||
| ROIC | % | 4.46% | 13.19% | |||||
| Operating margin | % | 21.23% | 21.40% | |||||
| Gross margin | % | 62.22% | 62.12% | |||||
| FCF/Sales | % | 21.19% | 26.23% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +55.42% | +52.22% | |||||
| Sales Growth YoY | % | +6.03% | +3.61% | |||||
| Net Income Growth YoY | % | +53.15% | +47.99% | |||||
| FCF Growth | % | +76.13% | +95.88% | |||||
| Operating Profit Growth | % | +60.94% | +47.85% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 7.01% | 0.00% | |||||
| Dividend Growth | % | - | -100.00% | |||||
| Payout Ratio | % | 107.90% | 0.00% | |||||
| FCF/Debt | x | 0.21 | 0.26 | |||||
| Net Debt/EBITDA | x | 0.01 | 4.04 | |||||
| EBIT/Net interest | x | 0.57 | 0.57 | |||||
| Net debt/market cap | % | -13.57% | 7.96% | |||||
| Net debt/Equity | x | -0.13 | 0.09 | |||||
| Gross debt/equity | x | 0.43 | 0.42 | |||||
Company overview
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate 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. Further, it operates FitnessBank, a virtual bank which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company was founded in 1928 and is headquartered in Covington, Georgia.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Affinity Bancshares, Inc. (AFBI)
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate 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. Further, it operates FitnessBank, a virtual bank which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company was founded in 1928 and is headquartered in Covington, Georgia.
- Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes
- Pinnacle Bankshares Corporation
- PT Bank China Construction Bank Indonesia Tbk
- PT Bank Ganesha Tbk
- Security Federal Corporation
- Croghan Bancshares, Inc.
- Caisse Regionale de Credit Agricole Mutuel de la Touraine et du Poitou Cert.Coop.d'Invt.
- Lollands Bank A/S
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