Affinity Bancshares (AFBI) Stock Price, News & Analysis

Company Overview

Affinity Bancshares, Inc. (NASDAQ:AFBI) is a bank holding company headquartered in Farmington Hills, Michigan, operating through its wholly owned subsidiary, The First National Bank of America. Since its founding in 2018 by President and CEO CeCe DeFeo, Affinity has focused on providing a full suite of commercial and consumer banking products, treasury management services and digital banking solutions. The company’s mission emphasizes personalized customer service, local decision-making and community involvement across its core markets.

Through six branch locations in Ann Arbor, Bloomfield Hills, Detroit, Farmington Hills, Northville Township and Plymouth, The First National Bank of America offers interest-bearing checking and savings accounts, money market deposit accounts, certificates of deposit and digital cash management tools. On the lending side, the bank extends credit for commercial real estate, construction financing, equipment loans, SBA products, as well as conventional and specialty consumer mortgage, home equity and vehicle loans. Its treasury management suite includes ACH origination, wire transfers, remote deposit capture and fraud mitigation services.

Affinity’s technology-driven strategy includes the Affinity Mobile app and online banking platform, enabling streamlined account opening, instant payments, peer-to-peer transfers, mobile check deposit and real-time alerts. Although rooted in Southeast Michigan, the bank’s digital offerings allow it to serve business and retail customers nationwide. This hybrid approach combines the convenience of virtual banking with the responsiveness of local relationship teams.

Led by CEO CeCe DeFeo and a seasoned executive management team with decades of regional banking experience, Affinity Bancshares pursues measured growth through organic expansion, continuous product innovation and prudent risk management. The company’s commitment to community outreach, sustainable banking practices and technology enhancement positions it to capitalize on evolving customer needs in both its traditional branch footprint and the broader digital marketplace.

Key Stats

• Today's Range: $18.67 to $18.69
• 50-Day Range: $17.87 to $18.79
• 52-Week Range: $17.00 to $22.50
• Volume: 2,559 shs
• Average Volume: 12,095 shs
• Market Capitalization: $117.99 million
• P/E Ratio: 20.74
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Affinity Bancshares Stock Analysis - MarketRank™

Affinity Bancshares scored higher than 48% of companies evaluated by MarketBeat, and ranked 832nd out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Affinity Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Affinity Bancshares is 20.74, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Affinity Bancshares is 20.74, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Affinity Bancshares has a P/B Ratio of 0.93. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.30% of the float of Affinity Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Affinity Bancshares has a short interest ratio ("days to cover") of 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Affinity Bancshares has recently decreased by 20.93%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Affinity Bancshares does not currently pay a dividend.

Dividend Growth

Affinity Bancshares does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.30% of the float of Affinity Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Affinity Bancshares has a short interest ratio ("days to cover") of 1.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Affinity Bancshares has recently decreased by 20.93%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

Affinity Bancshares has a news sentiment score of 1.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Affinity Bancshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Affinity Bancshares insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $180,593.00 in company stock.

Percentage Held by Insiders

12.35% of the stock of Affinity Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 39.31% of the stock of Affinity Bancshares is held by institutions.

AFBI Stock Analysis - Frequently Asked Questions

How have AFBI shares performed this year?

Affinity Bancshares' stock was trading at $17.50 at the beginning of the year. Since then, AFBI stock has increased by 6.7% and is now trading at $18.67.

How were Affinity Bancshares' earnings last quarter?

Affinity Bancshares, Inc. (NASDAQ:AFBI) released its quarterly earnings data on Friday, May, 9th. The company reported $0.28 earnings per share for the quarter. The business earned $7.82 million during the quarter. Affinity Bancshares had a net margin of 11.69% and a trailing twelve-month return on equity of 5.02%.

How do I buy shares of Affinity Bancshares?

Shares of AFBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Affinity Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Affinity Bancshares investors own include Broadcom (AVGO), NVIDIA (NVDA), Arista Networks (ANET), e.l.f. Beauty (ELF), Disc Medicine (IRON), Jabil (JBL) and Adobe (ADBE).

Company Calendar

• Last Earnings: 5/09/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/25/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:AFBI
• CIK: 1823406
• Web: myaffinitybank.com
• Phone: 770-786-7088
• Fax: 770-787-9290
• Employees: 100
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.90
• Trailing P/E Ratio: 20.74
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $5.44 million
• Net Margins: 11.69%
• Pretax Margin: 15.02%
• Return on Equity: 5.02%
• Return on Assets: 0.72%

Debt

• Debt-to-Equity Ratio: 0.44
• Current Ratio: 1.07
• Quick Ratio: 1.07

Sales & Book Value

• Annual Sales: $49.99 million
• Price / Sales: 2.36
• Cash Flow: $1.16 per share
• Price / Cash Flow: 16.07
• Book Value: $20.14 per share
• Price / Book: 0.93

Miscellaneous

• Outstanding Shares: 6,320,000
• Free Float: 5,536,000
• Market Cap: $117.99 million
• Optionable: Not Optionable
• Beta: 0.31