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Affinity Bancshares Inc (AFBI)



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Upturn Advisory Summary
06/30/2025: AFBI (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $
1 Year Target Price $
0 | Strong Buy |
0 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -12% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Affinity Bancshares Inc
Company Overview
History and Background
Affinity Bancshares, Inc. is the holding company for Affinity Bank. Founded in 1999, Affinity Bank has grown organically and through strategic acquisitions, focusing on community banking in Georgia. The bank has expanded its services and geographic reach over time, serving local businesses and individuals.
Core Business Areas
- Commercial Banking: Provides commercial loans, lines of credit, and other banking services to businesses. Includes real estate lending, equipment financing, and working capital solutions.
- Retail Banking: Offers deposit accounts, personal loans, mortgages, and other financial services to individuals. This segment includes checking accounts, savings accounts, and certificates of deposit (CDs).
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
Leadership and Structure
Affinity Bancshares Inc. is led by a board of directors and executive management team. The organizational structure typically includes departments for lending, operations, finance, and compliance. Specific names and titles can vary and should be checked directly from their investor relations page.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data specific to Affinity Bancshares is difficult to obtain. Competitors include larger regional and national banks like Truist and Bank of America, as well as smaller community banks.
- Mortgages: Residential mortgages for home purchases and refinancing. Market share is also difficult to obtain on a granular level. Competitors include Wells Fargo and smaller mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include local credit unions, national banks, and online banks.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, with increasing pressure from fintech companies. Community banks like Affinity Bancshares face challenges from larger institutions but benefit from local relationships and personalized service.
Positioning
Affinity Bancshares positions itself as a community-focused bank, emphasizing local decision-making and customer service. Its competitive advantages include strong relationships with local businesses and individuals, and a deep understanding of the local market.
Total Addressable Market (TAM)
TAM is the total banking market in Georgia and the surrounding areas they operate. The TAM would be in the hundreds of billions. Affinity Bancshares is positioned as a local player focusing on specific segments within this large market.
Upturn SWOT Analysis
Strengths
- Strong local relationships
- Community-focused approach
- Experienced management team
- Strong understanding of the local market
Weaknesses
- Smaller size compared to larger banks
- Limited geographic reach
- Dependence on local economy
- Less brand recognition than larger competitors
Opportunities
- Expansion into new markets within Georgia
- Increased demand for community banking services
- Acquisition of smaller banks
- Growth in commercial lending
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRST
- BAC
- C
Competitive Landscape
Affinity Bancshares benefits from local relationships and focus, which offers advantages over large national banks. However, larger banks have more resources and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would be assessed by analyzing revenue, asset, and loan growth over the past years.
Future Projections: Future growth projections would be based on analyst estimates, which are unavailable in this context. Requires an analysis of market opportunities and competitive landscape.
Recent Initiatives: Recent strategic initiatives would be identified through press releases, investor presentations, and annual reports.
Summary
Affinity Bancshares is a small, community-focused bank facing stiff competition from larger institutions. Its strength lies in local relationships, but its size limits its reach. Economic conditions and regulatory changes are key factors to watch. Growth could come from expanding in the Georgia market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party Financial Data Providers
- Industry Reports
Disclaimers:
This analysis is based on limited publicly available information and general industry knowledge. It does not constitute financial advice. Consult with a qualified financial advisor before making investment decisions.
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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