AFBI Affinity Bancshares Inc
Price (delayed)
$18.73
Market cap
$120.1M
P/E Ratio
21.28
Dividend/share
N/A
EPS
$0.88
Enterprise value
$126.62M
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
Highlights
The equity has grown by 8% YoY and by 2.6% from the previous quarter
AFBI's EPS is down by 14% YoY but it is up by 2.3% QoQ
The company's debt has surged by 194% YoY and by 13% QoQ
AFBI's net income is down by 15% year-on-year
Key stats
What are the main financial stats of AFBI
Market
Valuations
Earnings
Shares outstanding
6.41M
Market cap
$120.1M
Enterprise value
$126.62M
Price to earnings (P/E)
21.28
Price to book (P/B)
0.94
Price to sales (P/S)
3.91
EV/EBIT
17.32
EV/EBITDA
15.87
EV/Sales
4.12
Revenue
$30.74M
Gross profit
$30.74M
Operating income
$7.31M
Net income
$5.61M
EBIT
$7.31M
EBITDA
$7.98M
Free cash flow
$7.16M
Per share
Balance sheet
Liquidity
EPS
$0.88
EPS diluted
$0.85
Free cash flow per share
$1.12
Book value per share
$20.02
Revenue per share
$4.79
TBVPS
$134.17
Total assets
$878.56M
Total liabilities
$750.19M
Debt
$58.82M
Equity
$128.38M
Working capital
N/A
Debt to equity
0.46
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.82
Margins
Efficiency
Dividend
EBITDA margin
26%
Gross margin
100%
Net margin
18.2%
Operating margin
23.8%
Return on assets
0.6%
Return on equity
4.5%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
23.8%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
AFBI stock price
How has the Affinity Bancshares stock price performed over time
Intraday
-0.11%
1 week
1.08%
1 month
3.71%
1 year
14.01%
YTD
7.03%
QTD
7.03%
Financial performance
How have Affinity Bancshares's revenue and profit performed over time
Revenue
$30.74M
Gross profit
$30.74M
Operating income
$7.31M
Net income
$5.61M
Gross margin
100%
Net margin
18.2%
The operating margin has contracted by 17% YoY
The company's net margin fell by 17% YoY
The company's operating income fell by 16% YoY but it rose by 2.1% QoQ
AFBI's net income is down by 15% year-on-year
Growth
What is Affinity Bancshares's growth rate over time
Valuation
What is Affinity Bancshares stock price valuation
P/E
21.28
P/B
0.94
P/S
3.91
EV/EBIT
17.32
EV/EBITDA
15.87
EV/Sales
4.12
AFBI's EPS is down by 14% YoY but it is up by 2.3% QoQ
The P/E is 3.3% higher than the last 4 quarters average of 20.6
The equity has grown by 8% YoY and by 2.6% from the previous quarter
The price to book (P/B) is 6% less than the last 4 quarters average of 1.0
The price to sales (P/S) is 2.3% lower than the last 4 quarters average of 4.0
Efficiency
How efficient is Affinity Bancshares business performance
The return on assets has declined by 25% year-on-year
Affinity Bancshares's ROE has decreased by 20% YoY
AFBI's ROIC is down by 18% YoY
AFBI's ROS is down by 17% YoY
Dividends
What is AFBI's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
There are no recent dividends present for AFBI.
Financial health
How did Affinity Bancshares financials performed over time
The company's total assets is 17% higher than its total liabilities
The company's total assets rose by 2.7% YoY
The company's debt is 54% lower than its equity
The company's debt has surged by 194% YoY and by 13% QoQ
Affinity Bancshares's debt to equity has soared by 171% YoY and by 12% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.