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Affinity Bancshares, Inc.

AFBI

$22.99 0.00 (0.00%) at close

8 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Affinity Bancshares, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $144.3M

Dividend Yield —

Revenue Growth 6.0% ↗

Op. Margin 34.0% ↗

ROIC None

FCF / Share None

Trailing P/E 17.3x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Jul 31, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$33.06M

↑ +6.0% —

Net Income Profit after all expenses

$8.33M

↑ +53.1% —

Operating Margin Operating profit as % of sales

34.0%

↑ +51.8% 89th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns →

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jan 10, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	5.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	-7.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-229%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-89%)	17.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+184%)	90.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1408%)	—	—
EPS Growth YoY (%)	56.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-15.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	168.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	53.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-15.6% Weak ↓ Weak Declining Year-over-year change in net income	-9.6% Weak ↓ Weak Declining Year-over-year change in net income	-5.8% Weak ↓ Weak Declining Year-over-year change in net income	145.2% Excellent Excellent Year-over-year change in net income	769.9% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.8% Caution Caution Compound annual revenue growth over 3 years	30.9% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.9% Caution Caution Compound annual revenue growth over 5 years	16.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	7.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-8.2% Weak Weak Compound annual EPS growth over 3 years	34.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jan 10, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	34.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	22.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	28.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	29.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	31.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	14.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	2.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	—
Effective Tax Rate (%) (%)	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	-8.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	25.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	17.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	21.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	11.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	2.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jan 10, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	6.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	4.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	5.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	3.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	0.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jan 10, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jan 10, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$5.27	$4.86	$4.58	$4.82	$4.62	—	—	—
Basic EPS, GAAP (USD)	$1.33	$0.85	$1.00	$1.07	$1.10	$0.41	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$20.84	$20.14	$18.94	$17.73	$17.60	$11.77	$10.21	—
Tangible Book Value per Share (USD)	$18.02	$17.46	$16.26	$15.12	$15.10	$11.77	$7.93	—
Basic Weighted Avg Shares (shares)	6.28M	6.41M	6.48M	6.67M	6.91M	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jan 10, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$127.02M	$129.12M	$121.52M	$117.10M	$120.97M	$80.78M	$77.17M	$76.40M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jan 10, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$33.06M	$31.18M	$29.66M	$32.16M	$31.95M	$27.30M	$14.33M	—
Depreciation Expense (USD)	$834.00K	$948.00K	$980.00K	$905.00K	$950.00K	$957.00K	$756.00K	—
Net Income, GAAP (USD)	$8.33M	$5.44M	$6.45M	$7.13M	$7.57M	$3.09M	$355.00K	—
Operating Cash Flow (USD)	$11.64M	$6.79M	$7.87M	$7.57M	$11.85M	$1.37M	$1.64M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jan 10, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.4%	3.2%	3.8%	3.7%	3.0%	4.0%	—
Efficiency Ratio (%) (%)	65.6%	76.2%	71.9%	68.8%	65.6%	78.5%	97.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 27 quarters

Affinity Bancshares, Inc.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

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