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AFBI Affinity Bancshares Inc
- Stocks
- Financial Services
- NASDAQ: AFBI
Price (delayed)
$18.52
Market cap
$116.97M
P/E Ratio
19.91
Dividend/share
$1.5
EPS
$0.93
Enterprise value
$96.27M
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
Affinity Bancshares's revenue has increased by 5% YoY
AFBI's gross profit is up by 5% year-on-year
The P/E is 24% higher than the 5-year quarterly average of 16.0 but 10% lower than the last 4 quarters average of 22.2
AFBI's net income is up by 9% since the previous quarter but it is down by 2% year-on-year
The equity has contracted by 5% from the previous quarter
Key stats
What are the main financial stats of AFBI
Market
Valuations
Earnings
Shares outstanding
6.32M
Market cap
$116.97M
Enterprise value
$96.27M
Price to earnings (P/E)
19.91
Price to book (P/B)
0.97
Price to sales (P/S)
3.81
EV/EBIT
12.62
EV/EBITDA
11.46
EV/Sales
3.09
Revenue
$31.18M
Gross profit
$31.18M
Operating income
$7.63M
Net income
$5.94M
EBIT
$7.63M
EBITDA
$8.4M
Free cash flow
$7.06M
Per share
Balance sheet
Liquidity
EPS
$0.93
EPS diluted
$0.91
Free cash flow per share
$1.1
Book value per share
$19.14
Revenue per share
$4.87
TBVPS
$139.62
Total assets
$912.5M
Total liabilities
$790.22M
Debt
$54M
Equity
$122.28M
Working capital
N/A
Debt to equity
0.44
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.47
Margins
Efficiency
Dividend
EBITDA margin
26.9%
Gross margin
100%
Net margin
19%
Operating margin
24.5%
Return on assets
0.7%
Return on equity
4.7%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
24.5%
Dividend yield
8.1%
DPS
$1.5
Payout ratio
161.3%
AFBI stock price
How has the Affinity Bancshares stock price performed over time
Intraday
0.11%
1 week
0.38%
1 month
3.18%
1 year
8.94%
YTD
5.83%
QTD
4.28%
Financial performance
How have Affinity Bancshares's revenue and profit performed over time
Revenue
$31.18M
Gross profit
$31.18M
Operating income
$7.63M
Net income
$5.94M
Gross margin
100%
Net margin
19%
AFBI's net income is up by 9% since the previous quarter but it is down by 2% year-on-year
The company's operating income rose by 9% QoQ but it fell by 3.5% YoY
The operating margin has contracted by 8% YoY but it has grown by 8% from the previous quarter
The company's net margin rose by 7% QoQ but it fell by 7% YoY
Price vs fundamentals
How does AFBI's price correlate with its fundamentals
Growth
What is Affinity Bancshares's growth rate over time
Valuation
What is Affinity Bancshares stock price valuation
P/E
19.91
P/B
0.97
P/S
3.81
EV/EBIT
12.62
EV/EBITDA
11.46
EV/Sales
3.09
The P/E is 24% higher than the 5-year quarterly average of 16.0 but 10% lower than the last 4 quarters average of 22.2
AFBI's EPS is up by 9% QoQ but it is down by 2.1% YoY
The price to book (P/B) is 8% more than the 5-year quarterly average of 0.9 but 3% less than the last 4 quarters average of 1.0
The equity has contracted by 5% from the previous quarter
The price to sales (P/S) is 12% higher than the 5-year quarterly average of 3.4 but 7% lower than the last 4 quarters average of 4.1
Affinity Bancshares's revenue has increased by 5% YoY
Efficiency
How efficient is Affinity Bancshares business performance
The return on assets rose by 17% since the previous quarter
AFBI's ROIC is up by 13% QoQ but it is down by 10% YoY
Affinity Bancshares's ROE has increased by 9% from the previous quarter but it has decreased by 6% YoY
AFBI's ROS is down by 8% YoY but it is up by 8% QoQ
Dividends
What is AFBI's dividend history
DPS
$1.5
Dividend yield
8.1%
Payout ratio
161.3%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Affinity Bancshares financials performed over time
The company's total assets is 15% higher than its total liabilities
The total liabilities has grown by 7% from the previous quarter and by 6% YoY
The company's total assets rose by 5% QoQ and by 4.9% YoY
The company's debt is 56% lower than its equity
The company's debt fell by 8% QoQ but it rose by 4.2% YoY
Affinity Bancshares's debt to equity has increased by 4.8% YoY but it has decreased by 4.3% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.