Stocktoria
Affinity Bancshares, Inc. AFBI
Affinity Bancshares, Inc. (AFBI) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 6.39% (safety: at-risk).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| AFBI | Affinity Bancshares, Inc. | 5/9 | — | 16.5 | — |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is AFBI financially healthy?
Affinity Bancshares, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does AFBI pay a dividend, and is it safe?
Yes. Affinity Bancshares, Inc. pays a dividend yielding about 6.39% with a 105.6% payout ratio, rated “at-risk” for safety.
How profitable is AFBI?
In FY2025, Affinity Bancshares, Inc. had a return on equity of 6.6%.
Is AFBI overvalued or undervalued?
Affinity Bancshares, Inc. trades at about 17.8× trailing earnings — near its 10-year norm (10-year range 13.9×–27.4×, median 17.1×). Stocktoria reports the data, not buy/sell advice.
Is AFBI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Affinity Bancshares, Inc.: a Piotroski F-score of 5/9, a P/E of about 16.5×, a dividend yield of 6.39%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.