AFBI

Company Overview — What Does Affinity Bancshares, Inc. Do?

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer 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. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia. Affinity Bancshares, Inc. (AFBI) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Edward J. Cooney and employs approximately 100 people. With a market capitalization of $124M, AFBI is one of the notable companies in the Financials sector.

Affinity Bancshares, Inc. (AFBI) Stock Rating — Hold (April 2026)

As of April 2026, Affinity Bancshares, Inc. receives a Hold rating with a composite score of 54.8/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.AFBI ranks #168 out of 4,446 stocks in our coverage universe. Within the Financials sector, Affinity Bancshares, Inc. ranks #62 of 891 stocks, placing it in the top 10% of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

AFBI Stock Price and 52-Week Range

Affinity Bancshares, Inc. (AFBI) currently trades at $22.27.

Is AFBI Overvalued or Undervalued? — Valuation Analysis

Affinity Bancshares, Inc. (AFBI) carries a value factor score of 70/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 17.12x, compared to the Financials sector average of 14.88x — a premium of 15%. The price-to-book ratio stands at 1.07x, versus the sector average of 1.22x. The price-to-sales ratio is 2.71x, compared to 0.90x for the average Financials stock. On an enterprise value basis, AFBI trades at 13.01x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, Affinity Bancshares, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

Affinity Bancshares, Inc. Profitability — ROE, Margins, and Quality Score

Affinity Bancshares, Inc. (AFBI) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 6.2%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.9% versus the sector average of 1.2%.

On a margin basis, Affinity Bancshares, Inc. reports gross margins of 0.0%. The operating margin is 20.8% (sector: 21.8%). Net profit margin stands at 15.8%, versus 17.7% for the average Financials stock. Revenue growth is running at 5.7% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

AFBI Debt, Balance Sheet, and Financial Health

Affinity Bancshares, Inc. has a debt-to-equity ratio of 594.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.17x, suggesting adequate working capital coverage. Total debt on the balance sheet is $54M. Cash and equivalents stand at $6M.

AFBI has a beta of 0.17, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Affinity Bancshares, Inc. is 78/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Affinity Bancshares, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Affinity Bancshares, Inc. reported revenue of $50M and earnings per share (EPS) of $1.33. Net income for the quarter was $8M. Gross margin was 0.0%. Operating income came in at $10M.

In FY 2025, Affinity Bancshares, Inc. reported revenue of $51M and earnings per share (EPS) of $1.33. Net income for the quarter was $8M. Revenue grew 6.3% year-over-year compared to FY 2024. Operating income came in at $11M.

In Q3 2025, Affinity Bancshares, Inc. reported revenue of $13M and earnings per share (EPS) of $0.35. Net income for the quarter was $2M. Revenue grew 5.0% year-over-year compared to Q3 2024. Operating income came in at $3M.

In Q2 2025, Affinity Bancshares, Inc. reported revenue of $13M and earnings per share (EPS) of $0.34. Net income for the quarter was $2M. Revenue grew 4.9% year-over-year compared to Q2 2024. Operating income came in at $3M.

Over the past 8 quarters, Affinity Bancshares, Inc. has demonstrated a growth trajectory, with revenue expanding from $12M to $50M. Investors analyzing AFBI stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

AFBI Dividend Yield and Income Analysis

Affinity Bancshares, Inc. (AFBI) currently pays a dividend yield of 8.0%. At this yield, a $10,000 investment in AFBI stock would generate approximately $$800.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning AFBI offers above-average income for its sector. With a net margin of 15.8%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

AFBI Momentum and Technical Analysis Profile

Affinity Bancshares, Inc. (AFBI) has a momentum factor score of 46/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 31/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 68/100 reflects moderate short selling activity.

AFBI vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Affinity Bancshares, Inc. (AFBI) ranks #62 out of 891 stocks based on the Blank Capital composite score. This places AFBI in the top decile of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing AFBI against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full AFBI vs S&P 500 (SPY) comparison to assess how Affinity Bancshares, Inc. stacks up against the broader market across all factor dimensions.

AFBI Next Earnings Date

No upcoming earnings date has been announced for Affinity Bancshares, Inc. (AFBI) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy AFBI? — Investment Thesis Summary

Affinity Bancshares, Inc. presents a balanced picture with arguments on both sides. The value score of 70/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 78/100) reduces downside risk.

In summary, Affinity Bancshares, Inc. (AFBI) earns a Hold rating with a composite score of 54.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on AFBI stock.

Related Resources for AFBI Investors

Explore more research and tools: AFBI vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare AFBI head-to-head with peers: AFBI vs WTM, AFBI vs OPY, AFBI vs ACT.