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Company Analysis

Affinity Bancshares, Inc. AFBI

A comprehensive view of key metrics, scores, and financial health for Affinity Bancshares, Inc.

Overview of Affinity Bancshares, Inc.

AFBI NCM
Financial Services Banks - Regional Micro Cap
Affinity Bancshares, Inc. (AFBI), is a Micro Cap company, in the Banks - Regional industry, last closed at $19.05, about 7.8% undervalued vs fair value, +7.0% 1Y return, ranked 803/1004 in sector.
$19.05
-2.83%
As of March 13, 2026
Previous close • Vol 90d: 24.9%
52-Week Range
Market Cap
$117.46M
Enterprise Value
$164.54M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://myaffinitybank.com
HQ Covington, GA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$21
$38
Current: $19.05 +8% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$48.0M
12.3%%
Interest Expense
$19.9M
Net Interest Income
$29.2M
7.2%%
Total Revenue
$52.9M
69.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.2%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Affinity Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
47
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
47
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing AFBI's balance between Growth (48.1%), Profitability (28.8%), and Safety (23.1%). Growth 48% Safety 23% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

49th percentile vs peers
49
Key Signals
Rev Growth YoY 69.8% 62p Revenue CAGR 3Y 18.1% 49p Asset Growth YoY 1.7% 31p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

29th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

23th percentile vs peers
24
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Affinity Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$20.53
- - -
+7.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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