Affinity Bancshares, Inc. (AFBI) Financial Ratios
10 years of historical data (2015–2024) · Financial Services · Banks - Regional
EV/EBITDA
↑
21.37
↑+111% vs avg
5yr avg: 10.15
30Y Low4.2·High25.3
P/FCF
↓
22.92
↓-13% vs avg
5yr avg: 26.49
30Y Low9.7·High73.9
P/B Ratio
↑
1.15
↑+32% vs avg
5yr avg: 0.87
30Y Low0.8·High1.1
ROE
↑
4.3%
↑-20% vs avg
5yr avg: 5.4%
30Y Low0%·High8%
Debt/EBITDA
↑
7.82
↑+69% vs avg
5yr avg: 4.63
30Y Low1.0·High7.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
AFBI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Affinity Bancshares, Inc. trades at 27.1x earnings, 55% above its 5-year average of 17.6x, sitting at the 71st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 95%. On a free-cash-flow basis, the stock trades at 22.9x P/FCF, 13% below the 5-year average of 26.5x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $146M | $115M | $105M | $102M | $107M | $68M | $79M | $73M | $84M | — | — |
| Enterprise Value | $165M | $132M | $95M | $86M | $44M | $-86166035 | $31M | $45M | $92M | — | — |
| P/E Ratio → | 27.13 | 21.08 | 16.30 | 14.25 | 14.13 | 22.00 | 221.90 | 161.81 | 61.32 | — | — |
| P/S Ratio | 2.92 | 2.30 | 2.32 | 2.96 | 3.05 | 2.09 | 4.72 | 4.51 | 6.17 | — | — |
| P/B Ratio | 1.15 | 0.89 | 0.86 | 0.87 | 0.88 | 0.84 | 1.02 | 0.95 | 1.11 | — | — |
| P/FCF | 22.92 | 18.07 | 14.26 | 16.53 | 9.71 | 73.88 | 62.53 | — | — | — | — |
| P/OCF | 21.49 | 16.94 | 13.30 | 13.49 | 9.03 | 49.58 | 48.12 | 31.22 | 27.10 | — | — |
P/E links to full P/E history page with 30-year chart
AFBI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Affinity Bancshares, Inc.'s enterprise value stands at 21.4x EBITDA, 111% above its 5-year average of 10.1x. The Financial Services sector median is 11.5x, placing the stock at a 85% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.65 | 2.10 | 2.48 | 1.26 | -2.65 | 1.84 | 2.79 | 6.73 | — | — |
| EV / EBITDA | 21.37 | 17.16 | 10.38 | 8.88 | 4.18 | -18.83 | 25.28 | 11.21 | 21.64 | — | — |
| EV / EBIT | 23.62 | 18.97 | 11.29 | 9.20 | 4.46 | -22.21 | 93.89 | 27.22 | 44.27 | — | — |
| EV / FCF | — | 20.80 | 12.89 | 13.90 | 4.01 | -93.66 | 24.31 | — | — | — | — |
AFBI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Affinity Bancshares, Inc. earns an operating margin of 14.0%, below the Financial Services sector average of 20.2%. Operating margins have compressed from 27.0% to 14.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 4.3% is modest, trailing the sector median of 9.0%. ROIC of 3.0% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.5% | 61.5% | 65.8% | 91.1% | 87.9% | 77.0% | 86.1% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating Margin | 14.0% | 14.0% | 18.6% | 27.0% | 28.2% | 11.9% | 2.0% | 20.6% | 27.8% | 28.7% | 34.9% |
| Net Profit Margin | 10.9% | 10.9% | 14.3% | 20.7% | 21.6% | 9.5% | 2.1% | 2.8% | 10.0% | 9.4% | 13.7% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.3% | 4.3% | 5.4% | 6.0% | 7.5% | 3.9% | 0.5% | 0.6% | 2.3% | 2.6% | 3.7% |
| ROA | 0.6% | 0.6% | 0.8% | 0.9% | 0.9% | 0.5% | 0.1% | 0.2% | 0.5% | 0.5% | 0.7% |
| ROIC | 3.0% | 3.0% | 4.4% | 4.7% | 5.4% | 3.2% | 0.3% | 3.0% | 4.4% | 5.9% | 7.0% |
| ROCE | 3.9% | 3.9% | 5.7% | 6.3% | 5.3% | 2.7% | 0.2% | 1.2% | 1.6% | 1.5% | — |
AFBI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Affinity Bancshares, Inc. carries a Debt/EBITDA ratio of 7.8x, which is highly leveraged (84% above the sector average of 4.3x). Net debt stands at $17M ($60M total debt minus $41M cash). Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.47 | 0.47 | 0.33 | 0.09 | 0.40 | 0.30 | — | 0.10 | 0.10 | — | — |
| Debt / EBITDA | 7.82 | 7.82 | 4.38 | 1.04 | 4.63 | 5.27 | — | 1.89 | 1.79 | — | — |
| Net Debt / Equity | — | 0.13 | -0.08 | -0.14 | -0.52 | -1.91 | -0.62 | -0.36 | 0.10 | -0.55 | -0.87 |
| Net Debt / EBITDA | 2.25 | 2.25 | -1.10 | -1.69 | -5.93 | -33.68 | -39.73 | -6.88 | 1.79 | -6.41 | -8.65 |
| Debt / FCF | — | 2.73 | -1.37 | -2.64 | -5.70 | -167.54 | -38.22 | — | — | -16.06 | -14.46 |
| Interest Coverage | 0.37 | 0.37 | 0.54 | 3.92 | 3.12 | 0.71 | 0.14 | — | — | — | — |
AFBI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.06x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.06 | 0.06 | 0.15 | 0.11 | 0.27 | 0.33 | 0.23 | 1.37 | 1.00 | — | — |
| Quick Ratio | 0.06 | 0.06 | 0.15 | 0.11 | 0.27 | 0.33 | 0.23 | 1.37 | 1.00 | — | — |
| Cash Ratio | 0.06 | 0.06 | 0.07 | 0.04 | 0.18 | 0.28 | 0.20 | 1.18 | — | — | — |
| Asset Turnover | — | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
AFBI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Affinity Bancshares, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 3.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.7% | 4.7% | 6.1% | 7.0% | 7.1% | 4.5% | 0.5% | 0.6% | 1.6% | — | — |
| FCF Yield | 4.4% | 5.5% | 7.0% | 6.0% | 10.3% | 1.4% | 1.6% | — | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $7M | $7M | $7M | $7M | $7M | $7M | $6M | $6M | $6M | $6M |
Peer Comparison
Compare AFBI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 AFBIYou | $146M | 27.1 | 21.4 | 22.9 | 61.5% | 14.0% | 4.3% | 3.0% | 7.8 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 CHMG | $349M | 23.2 | 14.6 | 7.9 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 NECB | $359M | 8.0 | 5.6 | 7.1 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 BSVN | $446M | 10.3 | 3.5 | 10.8 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 ICE | $80B | 24.4 | 15.3 | 18.6 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 TREE | $506M | 3.4 | 8.3 | 8.3 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 HBAN | $28B | 12.6 | 16.5 | 12.2 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 COLB | $7B | 13.6 | 12.2 | 10.6 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 HOPE | $2B | 28.7 | 18.2 | 11.1 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 SMBC | $804M | 14.0 | 9.0 | 10.7 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 10 years · Updated daily
What if you invested $1,000 in AFBI 10 years ago?
Total return calculator · dividends reinvested
Calculate ReturnsHow much would $100/month in AFBI be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs AFBI Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationAFBI vs CZWI — which is the better buy?
Side-by-side revenue, margins, P/E and 10-year returns vs Citizens Community Bancorp, Inc..
Compare NowAFBI — Frequently Asked Questions
Quick answers to the most common questions about buying AFBI stock.
What is Affinity Bancshares, Inc.'s P/E ratio?
Affinity Bancshares, Inc.'s current P/E ratio is 27.1x. The historical average is 44.4x. This places it at the 71th percentile of its historical range.
What is Affinity Bancshares, Inc.'s EV/EBITDA?
Affinity Bancshares, Inc.'s current EV/EBITDA is 21.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.1x.
What is Affinity Bancshares, Inc.'s ROE?
Affinity Bancshares, Inc.'s return on equity (ROE) is 4.3%. The historical average is 3.7%.
Is AFBI stock overvalued?
Based on historical data, Affinity Bancshares, Inc. is trading at a P/E of 27.1x. This is at the 71th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Affinity Bancshares, Inc.'s profit margins?
Affinity Bancshares, Inc. has 61.5% gross margin and 14.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Affinity Bancshares, Inc. have?
Affinity Bancshares, Inc.'s Debt/EBITDA ratio is 7.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.