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Affinity Bancshares Inc (AFBI)
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Upturn Advisory Summary
11/03/2025: AFBI (1-star) is currently NOT-A-BUY. Pass it for now.
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 -13.31% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/03/2025 |
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. is the holding company for Affinity Bank. Founded in 1928, the bank has evolved from a community bank to a regional financial institution offering a range of banking services.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a community bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses' operations, equipment, and real estate needs. Market share data is not publicly available. Competitors: Wells Fargo, Bank of America, Truist.
- Mortgages: Offer residential mortgage loans to individuals. Market share data is not publicly available. Competitors: Rocket Mortgage, United Wholesale Mortgage, local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available. Competitors: Chase, Bank of America, local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and increasing competition from non-bank financial institutions. Consolidation within the industry is ongoing.
Positioning
Affinity Bancshares Inc. is positioned as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantage lies in its strong relationships with its customers.
Total Addressable Market (TAM)
The TAM for banking services in Affinity Bancshares' geographic area is significant, estimated in the billions of dollars. Affinity is positioned to capture a portion of this market through its community focus and established presence.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Good reputation in the community
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on traditional banking model
- Limited investment in technology
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increasing competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- TFC
Competitive Landscape
Affinity Bancshares faces intense competition from national banks with greater resources and broader service offerings. Its advantage lies in its local focus and personalized service, but it needs to invest in technology and expand its reach to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Data not available at the time of response. Would discuss Affinity Bancshares Inc's growth trends over the past years.
Future Projections: Data not available at the time of response. Would provide projections for Affinity Bancshares Inc's future growth based on analyst estimates.
Recent Initiatives: Recent initiatives undertaken by Affinity Bancshares Inc. are not publicly available.
Summary
Affinity Bancshares Inc is a community bank with a strong local presence and personalized service, allowing it to compete with much larger firms. Its strengths are local focus and customer relationships. However, it faces challenges from larger banks, technology limitations, and economic uncertainties. Investing in technology and strategically expanding its reach are important for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share 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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