Affinity Bancshares, Inc. Logo

Affinity Bancshares, Inc.

AFBI

(2.2)
Stock Price

22,49 USD

0.64% ROA

4.5% ROE

24.96x PER

Market Cap.

137.226.002,00 USD

41.45% DER

0% Yield

12.63% NPM

Affinity Bancshares, Inc. Stock Analysis

Affinity Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Affinity Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.77x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (17%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 ROE

The stock's ROE falls within an average range (5.62%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.79%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (213) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Affinity Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Affinity Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Affinity Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Affinity Bancshares, Inc. Revenue
Year Revenue Growth
2015 11.752.000
2016 12.261.000 4.15%
2017 13.633.000 10.06%
2018 16.120.000 15.43%
2019 14.351.000 -12.33%
2020 27.009.000 46.87%
2021 32.081.000 15.81%
2022 32.157.000 0.24%
2023 30.124.000 -6.75%
2023 45.166.000 33.3%
2024 51.712.000 12.66%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Affinity Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Affinity Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2015 1.376.000
2016 1.453.000 5.3%
2017 1.774.000 18.09%
2018 2.448.000 27.53%
2019 8.024.000 69.49%
2020 12.158.000 34%
2021 11.484.000 -5.87%
2022 12.221.000 6.03%
2023 12.028.000 -1.6%
2023 12.252.000 1.83%
2024 13.668.000 10.36%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Affinity Bancshares, Inc. EBITDA
Year EBITDA Growth
2015 -441.000
2016 -327.000 -34.86%
2017 -918.000 64.38%
2018 -143.000 -541.96%
2019 1.211.000 111.81%
2020 4.577.000 73.54%
2021 10.585.000 56.76%
2022 11.706.000 9.58%
2023 8.500.000 -37.72%
2023 -8.388.000 201.34%
2024 539.996 1653.34%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Affinity Bancshares, Inc. Gross Profit
Year Gross Profit Growth
2015 11.752.000
2016 12.261.000 4.15%
2017 13.633.000 10.06%
2018 16.120.000 15.43%
2019 14.351.000 -12.33%
2020 27.009.000 46.87%
2021 32.081.000 15.81%
2022 32.157.000 0.24%
2023 30.124.000 -6.75%
2023 45.166.000 33.3%
2024 51.712.000 12.66%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Affinity Bancshares, Inc. Net Profit
Year Net Profit Growth
2015 1.614.000
2016 1.157.000 -39.5%
2017 1.365.000 15.24%
2018 449.000 -204.01%
2019 355.000 -26.48%
2020 3.088.000 88.5%
2021 7.573.000 59.22%
2022 7.134.000 -6.15%
2023 6.492.000 -9.89%
2023 6.448.000 -0.68%
2024 4.124.000 -56.35%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Affinity Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 100%
2022 1 0%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Affinity Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
2015 2.638.000
2016 1.545.000 -70.74%
2017 -1.238.000 224.8%
2018 -5.961.000 79.23%
2019 1.259.000 573.47%
2020 920.000 -36.85%
2021 11.021.000 91.65%
2022 6.175.000 -78.48%
2023 7.344.000 15.92%
2023 0 0%
2024 489.000 100%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Affinity Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
2015 2.869.000
2016 1.926.000 -48.96%
2017 3.104.000 37.95%
2018 2.327.000 -33.39%
2019 1.636.000 -42.24%
2020 1.371.000 -19.33%
2021 11.851.000 88.43%
2022 7.569.000 -56.57%
2023 7.871.000 3.84%
2023 0 0%
2024 619.000 100%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Affinity Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
2015 231.000
2016 381.000 39.37%
2017 4.342.000 91.23%
2018 8.288.000 47.61%
2019 377.000 -2098.41%
2020 451.000 16.41%
2021 830.000 45.66%
2022 1.394.000 40.46%
2023 527.000 -164.52%
2023 0 0%
2024 130.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Affinity Bancshares, Inc. Equity
Year Equity Growth
2015 43.924.000
2016 45.081.000 2.57%
2017 76.796.000 41.3%
2018 76.383.000 -0.54%
2019 77.167.000 1.02%
2020 80.785.000 4.48%
2021 120.968.000 33.22%
2022 117.103.000 -3.3%
2023 121.516.000 3.63%
2023 118.476.000 -2.57%
2024 125.065.000 5.27%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Affinity Bancshares, Inc. Assets
Year Assets Growth
2015 226.337.000
2016 232.832.000 2.79%
2017 277.815.000 16.19%
2018 305.984.000 9.21%
2019 319.294.000 4.17%
2020 850.628.000 62.46%
2021 788.088.000 -7.94%
2022 791.283.000 0.4%
2023 843.258.000 6.16%
2023 855.431.000 1.42%
2024 873.582.000 2.08%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Affinity Bancshares, Inc. Liabilities
Year Liabilities Growth
2015 182.413.000
2016 187.751.000 2.84%
2017 201.019.000 6.6%
2018 229.601.000 12.45%
2019 3.946.000 -5718.58%
2020 769.843.000 99.49%
2021 667.120.000 -15.4%
2022 674.180.000 1.05%
2023 721.742.000 6.59%
2023 736.955.000 2.06%
2024 748.517.000 1.54%

Affinity Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.85
Net Income per Share
0.86
Price to Earning Ratio
24.96x
Price To Sales Ratio
3.12x
POCF Ratio
25.55
PFCF Ratio
28.18
Price to Book Ratio
1.1
EV to Sales
3.15
EV Over EBITDA
-96.9
EV to Operating CashFlow
25.8
EV to FreeCashFlow
28.47
Earnings Yield
0.04
FreeCashFlow Yield
0.04
Market Cap
0,14 Bil.
Enterprise Value
0,14 Bil.
Graham Number
19.39
Graham NetNet
-101.43

Income Statement Metrics

Net Income per Share
0.86
Income Quality
0.98
ROE
0.05
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.77
EBT Per Ebit
0.75
Ebit per Revenue
0.22
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.17
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
1
Operating Profit Margin
0.22
Pretax Profit Margin
0.16
Net Profit Margin
0.13

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.84
Free CashFlow per Share
0.76
Capex to Operating CashFlow
0.09
Capex to Revenue
0.01
Capex to Depreciation
0.77
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.08

Balance Sheet

Cash per Share
15,22
Book Value per Share
19,49
Tangible Book Value per Share
16.64
Shareholders Equity per Share
19.49
Interest Debt per Share
9.57
Debt to Equity
0.41
Debt to Assets
0.06
Net Debt to EBITDA
-1.01
Current Ratio
0.33
Tangible Asset Value
0,11 Bil.
Net Current Asset Value
-0,70 Bil.
Invested Capital
-86519000
Working Capital
-0,11 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.38

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Affinity Bancshares, Inc. Dividends
Year Dividends Growth

Affinity Bancshares, Inc. Profile

About Affinity Bancshares, Inc.

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer 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. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.

CEO
Mr. Edward J. Cooney CPA, CPA
Employee
91
Address
3175 Highway 278
Covington, 30014

Affinity Bancshares, Inc. Executives & BODs

Affinity Bancshares, Inc. Executives & BODs
# Name Age
1 Ms. Brandi C. Pajot CPA, CPA
Senior Vice President, Chief Financial Officer, Chief Treasury, Corporate Secretary & Risk Officer
70
2 Ms. Elizabeth M. Galazka
Executive Vice President of Lending
70
3 Jacqueline Lyle
Vice President of Compliance
70
4 Mr. Edward J. Cooney CPA, CPA
Chief Executive Officer & Director
70
5 Mr. Clark N. Nelson Jr.
Executive Vice President & Chief Credit Officer
70
6 Mr. Robert A. Vickers
Senior Vice President & Operations Officer
70

Affinity Bancshares, Inc. Competitors