Affinity Bancshares (AFBI) Stock Price, News & Analysis

Company Overview

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services in Georgia. The company offers various deposit accounts, including 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 offers 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. Affinity Bancshares, Inc. was founded in 1928 and is headquartered in Covington, Georgia.

Key Stats

• Today's Range: $19.48 to $19.86
• 50-Day Range: $18.36 to $19.83
• 52-Week Range: $17.00 to $22.50
• Volume: 4,434 shs
• Average Volume: 10,096 shs
• Market Capitalization: $124.73 million
• P/E Ratio: 18.53
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Affinity Bancshares Stock Analysis - MarketRank™

Affinity Bancshares scored higher than 16% of companies evaluated by MarketBeat, and ranked 903rd out of 941 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 18.53, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 270.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Affinity Bancshares is 18.53, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.59.

Price to Book Value per Share Ratio

Affinity Bancshares has a P/B Ratio of 1.01. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.29% 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 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Affinity Bancshares has recently increased by 4.76%, indicating that investor sentiment is decreasing.

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

0.29% 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 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Affinity Bancshares has recently increased by 4.76%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 1.1 / 5
• News Sentiment: -0.07

News Sentiment

Affinity Bancshares has a news sentiment score of -0.07. 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 lower news sentiment than the 1.18 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Affinity Bancshares this week, compared to 1 article 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 $327,884.00 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 2025. Since then, AFBI shares have increased by 13.3% and is now trading at $19.83.

How were Affinity Bancshares' earnings last quarter?

Affinity Bancshares, Inc. (NASDAQ:AFBI) announced its earnings results on Friday, July, 25th. The company reported $0.36 EPS for the quarter. The firm had revenue of $8.32 million for the quarter. Affinity Bancshares had a trailing twelve-month return on equity of 6.05% and a net margin of 13.78%.

Who are Affinity Bancshares' major shareholders?

Top institutional investors of Affinity Bancshares include Salzhauer Michael (0.24%) and Jane Street Group LLC (0.20%). Insiders that own company stock include Kenneth R Lehman, Edward John Cooney, Howard G Roberts, Robin S Reich, Clark Nelson and Robert Vickers.
View institutional ownership trends.

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: 7/25/2025
• Today: 8/30/2025
• Next Earnings (Estimated): 11/04/2025
• 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): $1.07
• Trailing P/E Ratio: 18.53
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $5.44 million
• Net Margins: 13.78%
• Pretax Margin: 17.81%
• Return on Equity: 6.05%
• Return on Assets: 0.85%

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: 2.50
• Cash Flow: $1.20 per share
• Price / Cash Flow: 16.52
• Book Value: $19.72 per share
• Price / Book: 1.01

Miscellaneous

• Outstanding Shares: 6,290,000
• Free Float: 5,515,000
• Market Cap: $124.73 million
• Optionable: Not Optionable
• Beta: 0.37