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Upturn AI SWOT - About
Affinity Bancshares Inc (AFBI)
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Upturn Advisory Summary
08/28/2025: AFBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -9.56% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 117.70M USD | Price to earnings Ratio 20.48 | 1Y Target Price - |
Price to earnings Ratio 20.48 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.35 | 52 Weeks Range 15.72 - 20.80 | Updated Date 06/29/2025 |
52 Weeks Range 15.72 - 20.80 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 8.12% | Basic EPS (TTM) 0.91 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.13% | Operating Margin (TTM) 31.01% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 4.84% |
Valuation
Trailing PE 20.48 | Forward PE - | Enterprise Value 96996296 | Price to Sales(TTM) 3.79 |
Enterprise Value 96996296 | Price to Sales(TTM) 3.79 | ||
Enterprise Value to Revenue 5.41 | Enterprise Value to EBITDA - | Shares Outstanding 6316090 | Shares Floating 4484991 |
Shares Outstanding 6316090 | Shares Floating 4484991 | ||
Percent Insiders 28.94 | Percent Institutions 25.77 |
Upturn AI SWOT
Affinity Bancshares Inc
Company Overview
History and Background
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, which was founded in 1928. The bank has evolved from a small community bank to a financial institution serving the broader metro Atlanta market. Throughout its history, it has focused on community banking principles.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products for businesses, including commercial real estate loans, working capital lines of credit, and business checking accounts.
- Retail Banking: Provides deposit accounts, mortgage loans, consumer loans, and other services to individuals and families.
- Wealth Management: Offers wealth management and investment services to individuals and businesses through affiliated companies.
Leadership and Structure
Affinity Bancshares Inc. is led by a board of directors and executive management team. The organizational structure typically consists of various departments responsible for lending, deposit operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available for Affinity Bank specifically, but it competes with larger regional and national banks such as Truist and Wells Fargo for commercial real estate clients. Revenue from this product is a significant portion of total loan revenues.
- Small Business Loans (SBA): Offers SBA loans to small businesses. Market share data at the bank level is not readily available. Competitors include other community banks and credit unions in the Atlanta area.
- Mortgage Loans: Offers a variety of mortgage products for residential properties. Competitors include national lenders like Rocket Mortgage and local credit unions. Market share is local, based on Atlanta Metro area.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Community banks face competition from larger institutions and fintech companies.
Positioning
Affinity Bancshares Inc. positions itself as a community bank focused on serving the needs of businesses and individuals in the metro Atlanta area. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The total addressable market is the metro Atlanta banking sector, valued in the billions. Affinity Bancshares Inc is positioned to capture a segment of this market through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Established presence in the Atlanta area
- Experienced management team
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic diversification
- Reliance on local economy
- Limited technology resources compared to larger banks.
Opportunities
- Expand into new markets within Georgia
- Increase market share through targeted marketing efforts
- Develop new products and services
- Leverage technology to improve efficiency
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in the Atlanta area
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU
- WFC
- BAC
- FCNCA
Competitive Landscape
Affinity Bancshares Inc. faces intense competition from larger national and regional banks. To compete effectively, Affinity Bancshares Inc. needs to focus on providing personalized customer service, building strong local relationships, and leveraging technology.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed by analyzing past financial performance, including revenue growth, asset growth, and earnings growth. Requires financial data.
Future Projections: Future growth projections can be based on analyst estimates. This information is not available.
Recent Initiatives: Recent strategic initiatives could include branch expansions, new product launches, or technology upgrades. This information is not available publicly.
Summary
Affinity Bancshares Inc. is a community-focused bank operating in a competitive environment. Strengths include a strong local presence and personalized customer service. The company's smaller scale and reliance on the local economy present challenges. Opportunities exist to expand market share and leverage technology, but threats include competition and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share and financial data are estimates based on available information and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Affinity Bancshares Inc
Exchange NASDAQ | Headquaters Covington, GA, United States | ||
IPO Launch date 2021-01-21 | CEO & Director Mr. Edward J. Cooney CPA, CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 88 | Website https://myaffinitybank.com |
Full time employees 88 | Website https://myaffinitybank.com | ||
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services in Georgia. The company's deposit products include 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 residential real estate, commercial and industrial, residential mortgage, construction and land, and consumer loans, as well as 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 a virtual bank under the name FitnessBank, 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.
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