Last 37 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Affinity Bancshares, Inc.'s quarterly P/E stands at 14.5x, down 29.6% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 7.7% YoY to 14.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 27.13 | 14.50 | 13.92 | 15.86 | 21.88 | 20.59 | 33.13 | 20.69 | 17.36 | 14.79 | 12.18 | 13.77 | 15.10 |
| — | -29.6% | -58.0% | -23.3% | +26.0% | +39.2% | +172.0% | +50.2% | +15.0% | +9.3% | -11.4% | -8.8% | -25.5% | |
| P/S Ratio | 2.92 | 2.37 | 2.24 | 2.31 | 2.34 | 2.75 | 2.68 | 2.29 | 2.22 | 2.06 | 1.66 | 2.33 | 2.65 |
| — | -14.0% | -16.6% | +1.0% | +5.6% | +33.5% | +61.8% | -1.7% | -16.5% | -27.9% | -43.9% | -32.5% | -21.5% | |
| P/B Ratio | 1.15 | 1.02 | 0.96 | 0.95 | 0.90 | 1.10 | 1.11 | 0.88 | 0.85 | 0.81 | 0.65 | 0.81 | 0.87 |
| — | -7.6% | -13.2% | +8.6% | +5.3% | +36.0% | +71.0% | +8.3% | -1.5% | -7.3% | -23.7% | -13.3% | -2.4% | |
| P/FCF | 22.92 | 8.10 | 8.17 | 16.41 | 34.40 | 8.95 | 70.93 | 24.88 | 15.85 | 14.45 | 8.71 | 12.92 | — |
| — | -9.6% | -88.5% | -34.1% | +117.1% | -38.0% | +714.5% | +92.5% | — | +20.5% | -41.1% | +68.0% | — | |
| EV / EBITDA | 21.37 | 13.97 | 6.96 | 9.18 | 18.24 | 15.13 | 23.03 | 12.78 | 11.21 | 5.99 | 1.46 | 1.42 | 7.38 |
| — | -7.7% | -69.8% | -28.1% | +62.7% | +152.6% | +1473.4% | +801.3% | +51.9% | -7.3% | -76.3% | -82.1% | +26.6% | |
| EV / EBIT | 23.62 | 15.06 | 7.40 | 9.92 | 20.81 | 16.26 | 26.11 | 13.96 | 12.13 | 6.42 | 1.63 | 1.53 | 9.61 |
| — | -7.4% | -71.7% | -28.9% | +71.5% | +153.5% | +1499.1% | +810.1% | +26.3% | -10.7% | -75.7% | -70.5% | +52.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Affinity Bancshares, Inc.'s operating margin was 21.6% in Q3 2025, up 0.4 pp QoQ and up 3.9 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 18.7% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.5% | 61.8% | 62.1% | 61.7% | 59.5% | 62.0% | 62.4% | 62.1% | 63.0% | 64.6% | 63.9% | 72.5% | 82.3% |
| — | -0.4% | -0.4% | -0.6% | -5.5% | -4.0% | -2.4% | -14.3% | -23.5% | -28.2% | -30.0% | -29.5% | -8.5% | |
| Operating Margin | 14.0% | 21.6% | 21.2% | 19.1% | 12.9% | 17.7% | 10.4% | 14.9% | 16.5% | 18.2% | 18.1% | 21.9% | 23.2% |
| — | +22.1% | +104.3% | +28.2% | -21.6% | -3.0% | -42.6% | -31.7% | -28.8% | -34.2% | -35.7% | -26.3% | +4.5% | |
| Net Margin | 10.9% | 16.4% | 16.1% | 14.5% | 10.9% | 13.4% | 8.0% | 11.3% | 12.9% | 13.9% | 13.8% | 16.8% | 17.8% |
| — | +22.1% | +101.9% | +28.6% | -16.1% | -3.5% | -42.1% | -32.5% | -27.3% | -34.0% | -35.9% | -26.4% | +7.2% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.3% | 1.8% | 1.7% | 1.5% | 1.0% | 1.4% | 0.8% | 1.1% | 1.3% | 1.4% | 1.3% | 1.5% | 1.5% |
| — | +30.2% | +110.4% | +33.6% | -17.1% | -0.6% | -38.3% | -25.5% | -13.8% | -14.9% | -12.5% | -3.1% | +33.5% | |
| ROA | 0.6% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +20.8% | +97.0% | +32.0% | -13.5% | +5.4% | -32.7% | -22.0% | -17.9% | -22.3% | -24.7% | -13.7% | +29.8% | |
| ROIC | 3.0% | 1.2% | 1.2% | 1.0% | 0.6% | 0.9% | 0.6% | 0.8% | 1.0% | 1.2% | 1.0% | 1.1% | 1.3% |
| — | +30.5% | +109.8% | +25.8% | -33.9% | -18.7% | -43.1% | -30.0% | -26.7% | -18.0% | -24.8% | -5.1% | +68.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Affinity Bancshares, Inc.'s Debt/EBITDA ratio is 17.2x, down from 17.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 53.4% YoY to 0.07x, tightening the short-term liquidity position. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.47 | 0.43 | 0.44 | 0.44 | 0.47 | 0.46 | 0.41 | 0.42 | 0.33 | 0.17 | 0.17 | 0.46 | 0.09 |
| — | -6.0% | +5.0% | +5.0% | +42.1% | +171.4% | +144.4% | -9.6% | +284.5% | +94.5% | -2.2% | +440.9% | -78.9% | |
| Debt / EBITDA | 7.82 | 17.17 | 17.92 | 20.75 | 33.08 | 24.04 | 34.06 | 26.93 | 19.18 | 8.79 | 8.59 | 22.62 | 3.48 |
| — | -28.6% | -47.4% | -22.9% | +72.5% | +173.5% | +296.6% | +19.1% | +450.7% | +138.6% | +8.9% | +246.9% | -86.4% | |
| Current Ratio | 0.06 | 0.07 | 0.06 | 0.10 | 0.06 | 0.15 | 0.14 | 0.16 | 0.15 | 0.15 | 0.18 | 0.25 | 0.11 |
| — | -53.4% | -56.1% | -35.9% | -57.9% | -3.6% | -21.2% | -35.6% | +33.9% | +20.7% | +4.0% | +26.0% | -59.9% | |
| Quick Ratio | 0.06 | 0.07 | 0.06 | 0.10 | 0.06 | 0.15 | 0.14 | 0.16 | 0.15 | 0.15 | 0.18 | 0.25 | 0.11 |
| — | -53.4% | -56.1% | -35.9% | -57.9% | -3.6% | -21.2% | -35.6% | +33.9% | +20.7% | +4.0% | +26.0% | -59.9% | |
| Interest Coverage | 0.37 | 0.57 | 0.56 | 0.51 | 0.33 | 0.47 | 0.29 | 0.39 | 0.44 | 0.52 | 0.50 | 0.79 | 1.35 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 37 years · Updated daily
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Affinity Bancshares, Inc.'s current P/E is 27.1x. The average P/E over the last 4 quarters is 16.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Affinity Bancshares, Inc.'s current operating margin is 14.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Affinity Bancshares, Inc.'s business trajectory between earnings reports.