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Affinity Bancshares, Inc. AFBI

Nasdaq · stock · Savings Institutions, Not Federally Chartered · website · IPO 2017-04-28 · LEI

Affinity Bancshares, Inc. statistics & valuation

Market cap$137.7M
P / E16.5×
P / B1.1×
P / FCF12.3×
Dividend yield6.39%
Return on equity6.6%
Graham number$23.92

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($23.92); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2019202020212022202320242025
Operating margin (%)
2019202020212022202320242025
Return on equity (%)
0.50% 3.80% 6.30% 6.10% 5.30% 4.20% 6.60% 2019202020212022202320242025
Shares outstanding
7.6M 6.9M 7.0M 6.8M 6.6M 6.6M 6.4M 2019202020212022202320242025
Net debt ($)
2019202020212022202320242025
Share buybacks ($)
2019202020212022202320242025
Return on assets (%)
0.10% 0.40% 1.00% 0.90% 0.80% 0.60% 0.90% 2019202020212022202320242025
Free cash flow margin (%)
2019202020212022202320242025
Debt / equity (×)
2019202020212022202320242025
EPS ($)
$0.41 $1.09 $1.06 $0.98 $0.83 $1.29 2019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019
Return on assets0.9%0.6%0.8%0.9%1.0%0.4%0.1%
Return on equity6.6%4.2%5.3%6.1%6.3%3.8%0.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.