AFBI
Affinity Bancshares, Inc.
Price Chart
Latest Quote
$22.50
+0.00 (+0.00%)
Current Price
| Previous Close | $22.50 |
| Open | $22.50 |
| Day High | $22.50 |
| Day Low | $22.49 |
| Volume | 4,802 |
Stock Information
| Shares Outstanding | 6.09M |
| Total Debt | $7.57M |
| Cash Equivalents | $35.20M |
| Revenue | $14.28M |
| Net Income | $1.56M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $137.14M |
| P/E Ratio | 16.42 |
| EPS (TTM) | $1.37 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $139.74M |
| Sales | $14.28M |
| Income | $1.56M |
| Book/sh | $10.21 |
| Cash/sh | $5.77 |
| Employees | 79 |
Financial Ratios
Returns & Margins
| ROA | 0.53% |
| ROE | 2.05% |
| Operating Margin | 7.20% |
| Profit Margin | 10.91% |
Ownership
| Insider Ownership | 30.05% |
| Institutional Ownership | 29.63% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 9.60 |
| P/B | 2.20 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $22.48 |
| SMA50 | $22.25 |
| SMA200 | $20.38 |
| RSI | 62.73 |
| ATR | 0.0246 |
| Shares Float | 3.13M |
| Short Float | 0.13% |
| Short Ratio | 0.35 |
| Volatility | -0.04 |
| Rel Volume | 0.50 |
Performance History
| Week | +0.14% |
| Month | +0.18% |
| Quarter | +12.79% |
| 6 Months | +12.67% |
| YTD | +9.55% |
| Year | +23.63% |
| 3 Years | +103.65% |
| 5 Years | +94.69% |
| 10 Years | +65.90% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-05 | $22.50 | 4,900 |
| 2026-06-04 | $22.50 | 36,500 |
| 2026-06-03 | $22.50 | 7,200 |
| 2026-06-02 | $22.48 | 3,800 |
| 2026-06-01 | $22.50 | 6,600 |
| 2026-05-29 | $22.47 | 3,000 |
| 2026-05-28 | $22.49 | 5,500 |
| 2026-05-27 | $22.49 | 3,400 |
| 2026-05-26 | $22.48 | 2,100 |
| 2026-05-22 | $22.49 | 3,400 |
| 2026-05-21 | $22.50 | 23,200 |
| 2026-05-20 | $22.49 | 4,600 |
| 2026-05-19 | $22.46 | 5,300 |
| 2026-05-18 | $22.46 | 1,500 |
| 2026-05-15 | $22.46 | 3,500 |
| 2026-05-14 | $22.46 | 3,600 |
| 2026-05-13 | $22.46 | 3,300 |
| 2026-05-12 | $22.46 | 62,100 |
| 2026-05-11 | $22.48 | 10,200 |
| 2026-05-08 | $22.46 | 700 |
| 2026-05-07 | $22.46 | 2,200 |
| 2026-05-06 | $22.46 | 14,200 |
About Affinity Bancshares, Inc.
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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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $33,061,000 | $31,181,000 | $29,664,000 | $32,157,000 |
| Operating Revenue | $33,061,000 | $31,181,000 | $29,664,000 | $32,157,000 |
| Expenses | ||||
| Interest Expense | $19,872,000 | $18,807,000 | $15,502,000 | $2,379,000 |
| General And Administrative Expense | $12,904,000 | $13,126,000 | $12,252,000 | $12,221,000 |
| Other Non Interest Expense | $6,427,000 | $8,184,000 | $5,942,000 | $6,735,000 |
| Professional Expense And Contract Services Expense | - | $2,068,000 | $621,000 | - |
| Selling And Marketing Expense | - | - | - | $476,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $8,332,000 | $5,441,000 | $6,448,000 | $7,134,000 |
| Net Interest Income | $31,137,000 | $29,166,000 | $27,198,000 | $29,755,000 |
| Interest Income | $51,009,000 | $47,973,000 | $42,700,000 | $32,134,000 |
| Normalized Income | $8,332,000 | $5,335,835 | $6,448,000 | $7,625,720 |
| Net Income From Continuing And Discontinued Operation | $8,332,000 | $5,441,000 | $6,448,000 | $7,134,000 |
| Net Income Common Stockholders | $8,332,000 | $5,441,000 | $6,448,000 | $7,134,000 |
| Net Income | $8,332,000 | $5,441,000 | $6,448,000 | $7,134,000 |
| Net Income Including Noncontrolling Interests | $8,332,000 | $5,441,000 | $6,448,000 | $7,134,000 |
| Net Income Continuous Operations | $8,332,000 | $5,441,000 | $6,448,000 | $7,134,000 |
| Pretax Income | $11,237,000 | $6,982,000 | $8,388,000 | $9,327,000 |
| Special Income Charges | - | - | $0 | $-647,000 |
| Per Share | ||||
| Diluted EPS | $1.29 | $0.83 | $0.98 | $1.06 |
| Basic EPS | $1.33 | $0.85 | $1.00 | $1.07 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $29,835 | $0 | $-155,280 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $135,000 | $0 | $-647,000 |
| Total Unusual Items Excluding Goodwill | $0 | $135,000 | $0 | $-647,000 |
| Reconciled Depreciation | $720,000 | $738,000 | $735,000 | $338,000 |
| Diluted Average Shares | $6,445,771 | $6,575,406 | $6,557,053 | $6,761,771 |
| Basic Average Shares | $6,277,003 | $6,414,182 | $6,476,767 | $6,669,389 |
| Diluted NI Availto Com Stockholders | $8,332,000 | $5,441,000 | $6,448,000 | $7,134,000 |
| Tax Provision | $2,905,000 | $1,541,000 | $1,940,000 | $2,193,000 |
| Gain On Sale Of Security | $-260,000 | $-385,000 | $0 | - |
| Selling General And Administration | $12,904,000 | $13,126,000 | $12,252,000 | $12,221,000 |
| Salaries And Wages | $12,904,000 | $13,126,000 | $12,252,000 | $12,221,000 |
| Occupancy And Equipment | $2,368,000 | $2,451,000 | $2,503,000 | $2,523,000 |
| Other Special Charges | - | - | - | $647,000 |
| Impairment Of Capital Assets | - | - | - | $0 |
| Other Gand A | - | - | - | - |
| Insurance And Claims | - | - | - | - |
Fetched: 2026-06-01
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $109,035,000 | $110,940,000 | $103,150,000 | $98,545,000 |
| Total Assets | $881,697,000 | $866,817,000 | $843,259,000 | $791,283,000 |
| Goodwill And Other Intangible Assets | $17,984,000 | $18,175,000 | $18,366,000 | $18,558,000 |
| Other Intangible Assets | $784,000 | $18,175,000 | $18,366,000 | $18,558,000 |
| Cash And Cash Equivalents | $53,850,000 | $41,425,000 | $50,026,000 | $26,324,000 |
| Cash Financial | $6,924,000 | $7,092,000 | $6,025,000 | $2,928,000 |
| Cash Cash Equivalents And Federal Funds Sold | $53,850,000 | $41,425,000 | $50,026,000 | $26,324,000 |
| Receivables | - | - | - | - |
| Accounts Receivable | - | - | - | - |
| Debt | ||||
| Net Debt | $150,000 | $17,390,000 | - | - |
| Total Debt | $54,000,000 | $58,815,000 | $40,000,000 | $10,025,000 |
| Long Term Debt And Capital Lease Obligation | $54,000,000 | $58,815,000 | $40,000,000 | $10,025,000 |
| Long Term Debt | $54,000,000 | $58,815,000 | $40,000,000 | $10,025,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $754,678,000 | $737,702,000 | $721,743,000 | $674,180,000 |
| Payables And Accrued Expenses | - | - | - | $6,983,000 |
| Payables | - | - | - | $6,983,000 |
| Accounts Payable | - | - | - | $6,983,000 |
| Equity | ||||
| Common Stock Equity | $127,019,000 | $129,115,000 | $121,516,000 | $117,103,000 |
| Total Equity Gross Minority Interest | $127,019,000 | $129,115,000 | $121,516,000 | $117,103,000 |
| Stockholders Equity | $127,019,000 | $129,115,000 | $121,516,000 | $117,103,000 |
| Other Equity Interest | $-3,570,000 | $-4,378,000 | $-4,587,000 | $-4,795,000 |
| Gains Losses Not Affecting Retained Earnings | $-3,652,000 | $-5,712,000 | $-6,332,000 | $-6,655,000 |
| Other Equity Adjustments | $-3,652,000 | $-5,712,000 | $-6,332,000 | $-6,655,000 |
| Retained Earnings | $76,111,000 | $76,786,000 | $71,345,000 | $65,357,000 |
| Other | ||||
| Ordinary Shares Number | $6,095,631 | $6,409,598 | $6,416,628 | $6,605,384 |
| Share Issued | $6,095,631 | $6,409,598 | $6,416,628 | $6,605,384 |
| Tangible Book Value | $109,035,000 | $110,940,000 | $103,150,000 | $98,545,000 |
| Invested Capital | $181,019,000 | $187,930,000 | $161,516,000 | $127,128,000 |
| Total Capitalization | $181,019,000 | $187,930,000 | $161,516,000 | $127,128,000 |
| Additional Paid In Capital | $58,069,000 | $62,355,000 | $61,026,000 | $63,130,000 |
| Capital Stock | $61,000 | $64,000 | $64,000 | $66,000 |
| Common Stock | $61,000 | $64,000 | $64,000 | $66,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $45,023,000 | $69,976,000 | $88,201,000 | $73,809,000 |
| Held To Maturity Securities | $0 | $27,299,000 | $34,206,000 | $26,527,000 |
| Available For Sale Securities | $27,834,000 | $6,175,000 | $5,434,000 | $1,082,000 |
| Goodwill | $17,200,000 | - | - | - |
| Net PPE | $2,836,000 | $3,261,000 | $3,797,000 | $4,257,000 |
| Accumulated Depreciation | $-7,944,000 | $-7,324,000 | $-6,368,000 | $-5,379,000 |
| Gross PPE | $10,780,000 | $10,585,000 | $10,165,000 | $9,636,000 |
| Leases | $912,000 | $912,000 | $912,000 | $912,000 |
| Construction In Progress | $13,000 | $277,000 | $226,000 | $286,000 |
| Other Properties | $66,000 | $66,000 | $66,000 | $66,000 |
| Machinery Furniture Equipment | $5,054,000 | $4,597,000 | $4,232,000 | $3,663,000 |
| Buildings And Improvements | $4,362,000 | $4,360,000 | $4,356,000 | $4,336,000 |
| Land And Improvements | $373,000 | $373,000 | $373,000 | $373,000 |
| Other Short Term Investments | $17,189,000 | $36,502,000 | $48,561,000 | $46,200,000 |
| Treasury Shares Number | - | - | - | - |
| Treasury Stock | - | - | - | - |
Fetched: 2026-06-01
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $11,218,000 | $6,369,000 | $7,345,000 | $6,175,000 |
| Operating Activities | ||||
| Operating Cash Flow | $11,640,000 | $6,791,000 | $7,872,000 | $7,569,000 |
| Cash Flow From Continuing Operating Activities | $11,640,000 | $6,791,000 | $7,872,000 | $7,569,000 |
| Operating Gains Losses | $1,565,000 | $789,000 | $295,000 | $313,000 |
| Investing Activities | ||||
| Capital Expenditure | $-422,000 | $-422,000 | $-527,000 | $-1,394,000 |
| Investing Cash Flow | $-1,240,000 | $-33,245,000 | $-28,135,000 | $-93,722,000 |
| Cash Flow From Continuing Investing Activities | $-1,240,000 | $-33,245,000 | $-28,135,000 | $-93,722,000 |
| Net Other Investing Changes | $-287,000 | $2,985,000 | - | $532,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-5,942,000 | $0 | $-3,283,000 | $-5,709,000 |
| Financing Cash Flow | $2,025,000 | $17,853,000 | $43,965,000 | $701,000 |
| Cash Flow From Continuing Financing Activities | $2,025,000 | $17,853,000 | $43,965,000 | $701,000 |
| Cash Dividends Paid | $-8,801,000 | $0 | - | - |
| Common Stock Dividend Paid | $-8,801,000 | $0 | - | - |
| Net Common Stock Issuance | $-5,942,000 | $0 | $-3,283,000 | $-5,709,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Net Other Financing Charges | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-14,841,000 | $-17,050,000 | $-55,051,000 | $-143,000,000 |
| Issuance Of Debt | $10,026,000 | $35,865,000 | $85,026,000 | $105,025,000 |
| Interest Paid Supplemental Data | $19,236,000 | $18,906,000 | $14,491,000 | $3,096,000 |
| Income Tax Paid Supplemental Data | $2,070,000 | $2,159,000 | $2,093,000 | $2,149,000 |
| End Cash Position | $53,850,000 | $41,425,000 | $50,026,000 | $26,324,000 |
| Beginning Cash Position | $41,425,000 | $50,026,000 | $26,324,000 | $111,776,000 |
| Changes In Cash | $12,425,000 | $-8,601,000 | $23,702,000 | $-85,452,000 |
| Proceeds From Stock Option Exercised | $59,000 | $0 | - | - |
| Common Stock Payments | $-5,942,000 | $0 | $-3,283,000 | $-5,709,000 |
| Net Issuance Payments Of Debt | $-4,815,000 | $18,815,000 | $29,975,000 | $-37,975,000 |
| Net Long Term Debt Issuance | $-4,815,000 | $18,815,000 | $29,975,000 | $-37,975,000 |
| Long Term Debt Payments | $-14,841,000 | $-17,050,000 | $-55,051,000 | $-143,000,000 |
| Long Term Debt Issuance | $10,026,000 | $35,865,000 | $85,026,000 | $105,025,000 |
| Net Investment Purchase And Sale | $27,674,000 | $18,925,000 | $-13,790,000 | $-31,367,000 |
| Sale Of Investment | $35,309,000 | $19,666,000 | $6,195,000 | $6,864,000 |
| Purchase Of Investment | $-7,635,000 | $-741,000 | $-19,985,000 | $-38,231,000 |
| Net PPE Purchase And Sale | $-412,000 | $-422,000 | $-527,000 | $-1,394,000 |
| Sale Of PPE | $10,000 | $0 | - | - |
| Purchase Of PPE | $-422,000 | $-422,000 | $-527,000 | $-1,394,000 |
| Change In Working Capital | $331,000 | $-1,375,000 | $-742,000 | $-1,652,000 |
| Change In Payables And Accrued Expense | $367,000 | $-2,106,000 | $-215,000 | $-936,000 |
| Change In Payable | $367,000 | $-2,106,000 | $-215,000 | $-936,000 |
| Change In Account Payable | $367,000 | $-2,106,000 | $-215,000 | $-936,000 |
| Change In Receivables | $-36,000 | $731,000 | $-527,000 | $-716,000 |
| Changes In Account Receivables | $-36,000 | $731,000 | $-527,000 | $-716,000 |
| Other Non Cash Items | $-387,000 | $-536,000 | $-362,000 | $-242,000 |
| Stock Based Compensation | $894,000 | $1,134,000 | $1,090,000 | $694,000 |
| Deferred Tax | $60,000 | $162,000 | $399,000 | $280,000 |
| Deferred Income Tax | $60,000 | $162,000 | $399,000 | $280,000 |
| Depreciation Amortization Depletion | $720,000 | $738,000 | $735,000 | $338,000 |
| Depreciation And Amortization | $720,000 | $738,000 | $735,000 | $338,000 |
| Depreciation | $720,000 | $738,000 | $735,000 | - |
| Pension And Employee Benefit Expense | $1,302,000 | $404,000 | $295,000 | $313,000 |
| Gain Loss On Investment Securities | $260,000 | $385,000 | $0 | - |
| Gain Loss On Sale Of PPE | $3,000 | $0 | - | - |
| Net Income From Continuing Operations | $8,332,000 | $5,441,000 | $6,448,000 | $7,134,000 |
| Asset Impairment Charge | - | $0 | $51,000 | $0 |
| Net Business Purchase And Sale | - | - | - | - |
| Purchase Of Business | - | - | - | - |
Fetched: 2026-06-01