AFFINITY BANCSHARES INC

AFBINASDAQ

🏆 #3234 by market capUS Equity

$23.00▲ $0.00 (+0.00%)

Market closed · at close

1h—

24h▲ 0.0%

7d▲ 0.2%

14d▲ 0.2%

30d▲ 1.8%

1y▲ 20.5%

🏦Market Cap

$140M

Small Cap

📈Revenue Growth (YoY)

+25.7%

High Growth

📊Gross Margin

—

💵FCF Margin

29.7%

Strong

⚖️P/S Ratio

3.0x

Fair

Otter Score

Weak

Trading Snapshot

Day Range: $22.89 – $23.14
52-Week Range: $18.35 – $23.00
Volume: $5.25B
Avg Volume: $3.61B
Shares Outstanding: 6.1M
Next Earnings: Sep 4, 2026

Fundamentals Snapshot

Annual Revenue: $53M
Last Q Revenue: $12M
P/E Ratio: 16.0
P/S Ratio: 3.0x
EPS (TTM): $1.38
Dividend Yield: 6.28%

Why Investors Own AFBI

✓High-growth profile — revenue up +47.4% YoY with expanding US Equity exposure.
✓Healthy economics — 78% gross margin and 28% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$53M▲ +43.4% YoY

Gross Margin (TTM)

77.9%▲ +0.2% YoY

Operating Income (TTM)

$13M▲ +43.4% YoY

Free Cash Flow (TTM)

$15M▲ +43.4% YoY

About AFFINITY BANCSHARES INC

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. Further, it operates FitnessBank, a virtual bank which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company was founded in 1928 and is headquartered in Covington, Georgia.

🦦