AFBI Affinity Bancshares Inc
Price (delayed)
$18.6
Market cap
$118.8M
P/E Ratio
21.88
Dividend/share
$1.5
EPS
$0.85
Enterprise value
$136.19M
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 6% YoY
Affinity Bancshares's revenue has increased by 3.5% YoY
The company's debt rose by 47% YoY
The P/E is 38% higher than the 5-year quarterly average of 15.8
Key stats
What are the main financial stats of AFBI
Market
Valuations
Earnings
Shares outstanding
6.39M
Market cap
$118.8M
Enterprise value
$136.19M
Price to earnings (P/E)
21.88
Price to book (P/B)
0.92
Price to sales (P/S)
3.88
EV/EBIT
19.51
EV/EBITDA
17.64
EV/Sales
4.43
Revenue
$30.74M
Gross profit
$30.74M
Operating income
$6.98M
Net income
$5.44M
EBIT
$6.98M
EBITDA
$7.72M
Free cash flow
$6.37M
Per share
Balance sheet
Liquidity
EPS
$0.85
EPS diluted
$0.83
Free cash flow per share
$0.99
Book value per share
$20.14
Revenue per share
$4.79
TBVPS
$132.31
Total assets
$866.82M
Total liabilities
$737.7M
Debt
$58.82M
Equity
$129.12M
Working capital
N/A
Debt to equity
0.46
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.25
Margins
Efficiency
Dividend
EBITDA margin
25.1%
Gross margin
100%
Net margin
17.7%
Operating margin
22.7%
Return on assets
0.6%
Return on equity
4.3%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
22.7%
Dividend yield
8.06%
DPS
$1.5
Payout ratio
176.5%
AFBI stock price
How has the Affinity Bancshares stock price performed over time
Intraday
-0.21%
1 week
1.09%
1 month
5.56%
1 year
10.19%
YTD
6.29%
QTD
4.73%
Financial performance
How have Affinity Bancshares's revenue and profit performed over time
Revenue
$30.74M
Gross profit
$30.74M
Operating income
$6.98M
Net income
$5.44M
Gross margin
100%
Net margin
17.7%
The operating margin has contracted by 20% YoY and by 4.6% from the previous quarter
The company's net margin fell by 18% YoY and by 2.7% QoQ
The company's operating income fell by 17% YoY and by 4.5% QoQ
AFBI's net income is down by 16% year-on-year and by 3% since the previous quarter
Growth
What is Affinity Bancshares's growth rate over time
Valuation
What is Affinity Bancshares stock price valuation
P/E
21.88
P/B
0.92
P/S
3.88
EV/EBIT
19.51
EV/EBITDA
17.64
EV/Sales
4.43
The P/E is 38% higher than the 5-year quarterly average of 15.8
AFBI's EPS is down by 15% YoY and by 3.4% QoQ
The price to book (P/B) is 8% less than the last 4 quarters average of 1.0 but 2.2% more than the 5-year quarterly average of 0.9
The equity has grown by 6% YoY
The price to sales (P/S) is 14% higher than the 5-year quarterly average of 3.4 but 5% lower than the last 4 quarters average of 4.1
Affinity Bancshares's revenue has increased by 3.5% YoY
Efficiency
How efficient is Affinity Bancshares business performance
AFBI's ROS is down by 20% YoY and by 4.6% QoQ
AFBI's ROIC is down by 20% YoY and by 11% QoQ
Affinity Bancshares's ROE has decreased by 20% YoY and by 4.4% from the previous quarter
The return on assets has declined by 14% year-on-year
Dividends
What is AFBI's dividend history
DPS
$1.5
Dividend yield
8.06%
Payout ratio
176.5%
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 18% higher than its total liabilities
The company's total assets rose by 2.8% YoY
The total liabilities has grown by 2.2% YoY
The company's debt is 54% lower than its equity
The company's debt rose by 47% YoY
Affinity Bancshares's debt to equity has increased by 39% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.