Affinity Bancshares (AFBI) Stock Price, News & Analysis

Company Overview

Affinity Bancshares, Inc. is a bank holding company whose primary subsidiary, Affinity Bank, offers a full range of financial products and services to individuals and businesses. Founded to serve the evolving banking needs of its communities, the company provides demand, savings and time deposit accounts, along with treasury management and online banking capabilities. It caters to retail and commercial clients seeking deposit, cash management and payment solutions.

On the lending side, Affinity Bank extends credit through commercial real estate loans, small business administration loans and traditional commercial lines of credit. Consumer lending offerings include residential mortgages, home equity lines of credit and vehicle financing. The bank also provides wealth management services, encompassing financial planning, investment advisory and trust services, to help clients pursue long-term savings and retirement goals.

Affinity Bancshares predominantly serves West Texas and Eastern New Mexico through a network of full-service branches and ATMs, supplemented by digital and mobile banking platforms. The company emphasizes relationship banking, focusing on local decision-making and community involvement. Governance is provided by a board of directors and a management team with extensive experience in regional banking and financial services.

Key Stats

• Today's Range: $22.64 to $22.67
• 50-Day Range: $22.42 to $22.66
• 52-Week Range: $18.35 to $22.74
• Volume: 4,390 shs
• Average Volume: 9,986 shs
• Market Capitalization: $137.94 million
• P/E Ratio: 16.53
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Buy

Affinity Bancshares Stock Analysis - MarketRank™

Affinity Bancshares scored higher than 36% of companies evaluated by MarketBeat, and ranked 753rd out of 869 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: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

Affinity Bancshares has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Affinity Bancshares has only been the subject of 1 research reports in the past 90 days.

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 15.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.27.

Price to Earnings Ratio vs. Sector

The P/E ratio of Affinity Bancshares is 15.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.49.

Price to Book Value per Share Ratio

Affinity Bancshares has a P/B Ratio of 1.10. 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

0.20% 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 1.96, 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 65.83%, indicating that investor sentiment is decreasing 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.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.91

News Sentiment

Affinity Bancshares has a news sentiment score of 0.91. 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 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Affinity Bancshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.9 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Affinity Bancshares insiders have not sold or bought any 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

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

Company Calendar

• Last Earnings: 4/24/2026
• Today: 7/10/2026
• Fiscal Year End: 12/31/2026

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): $1.37
• Trailing P/E Ratio: 15.21
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $8.33 million
• Net Margins: 16.50%
• Pretax Margin: 22.22%
• Return on Equity: 7.51%
• Return on Assets: 1.04%

Debt

• Debt-to-Equity Ratio: 0.42
• Current Ratio: 1.12
• Quick Ratio: 1.12

Sales & Book Value

• Annual Sales: $52.93 million
• Price / Sales: 2.61
• Cash Flow: $1.61 per share
• Price / Cash Flow: 14.07
• Book Value: $20.59 per share
• Price / Book: 1.10

Miscellaneous

• Outstanding Shares: 6,090,000
• Free Float: 5,342,000
• Market Cap: $137.94 million
• Optionable: Not Optionable
• Beta: 0.13