Affinity Bancshares, Inc.

Earnings Score

Market Cap $138.70M
PE 25
Debt $NaN
Cash $52.30M
EV $NaN
FCF $7.16M

Earnings

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Sales & Net Margins

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Earnings	$5.61M
EBIT	$7.31M
ROE	4%
ROA	1%
FCF	$7.16M
Equity	$128.38M
Growth Stability	100%
PE	24.73
PEG	28.69
PB	1.08
P/FCF	19.37
Price/Cash	0.38
Earnings CAGR	1%
FCF CAGR	-2%
Equity CAGR	11%
Earnings Stability	-0.72

Earnings Growth YoY	7%
Earnings Growth QoQ	68%
Earnings CAGR 5Y	1%
FCF CAGR 5Y	-2%
Equity CAGR 5Y	11%
FCF CAGR 3Y	-4%
Equity CAGR 3Y	3%
Market Cap	$138.70M
Assets	$878.56M
Cash	$52.30M
Shares Outstanding	6.41M
Earnings Score	6%
Shares Growth 3y	-2%
Equity Growth QoQ	3%
Equity Growth YoY	8%

Assets & ROA

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Stockholders Equity & ROE

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Affinity Bancshares Inc is a holding company of Affinity Bank. The company serves small businesses in Atlanta and Southeast with its financial services products. It mainly offers commercial and personal banking solutions. It offers a variety of deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts.

SEC Filings

Direct access to Affinity Bancshares, Inc. (AFBI) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Affinity Bancshares, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Affinity Bancshares, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 1%

Stability -72%

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Affinity Bancshares, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Affinity Bancshares, Inc..

Years

Calculation mode

= $62M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$7.2M	$7M	$6.9M	$6.7M	$6.6M	$6.4M	$6.3M	$6.2M	$6M	$5.9M	$5.8M	$58M
DCF		$6.4M	$5.7M	$5M	$4.5M	$4M	$3.6M	$3.2M	$2.8M	$2.5M	$2.2M	$22M
Value	$62M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-
ROA	-	0%	1%	1%	1%	1%
ROE	-	4%	6%	6%	5%	4%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-
Growth Stability	-	-	-	100%	100%	100%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-
Earnings YoY growth	-	770%	145%	-6%	-10%	1%
Equity YoY growth	-	5%	50%	-3%	4%	11%
FCF YoY growth	-	-27%	1K%	-44%	19%	-2%