Affinity Bancshares Statistics

Total Valuation

AFBI has a market cap or net worth of $109.40 million. The enterprise value is $99.52 million.

Market Cap	109.40M
Enterprise Value	99.52M

Important Dates

The last earnings date was Friday, April 26, 2024, after market close.

Earnings Date	Apr 26, 2024
Ex-Dividend Date	n/a

Share Statistics

AFBI has 6.42 million shares outstanding. The number of shares has decreased by -2.35% in one year.

Shares Outstanding	6.42M
Shares Change (YoY)	-2.35%
Shares Change (QoQ)	+0.37%
Owned by Insiders (%)	28.76%
Owned by Institutions (%)	17.77%
Float	4.55M

Valuation Ratios

The trailing PE ratio is 18.48.

PE Ratio	18.48
Forward PE	n/a
PS Ratio	3.69
Forward PS	n/a
PB Ratio	0.88
P/FCF Ratio	16.58
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.55, with an EV/FCF ratio of 15.13.

EV / Earnings	16.42
EV / Sales	3.36
EV / EBITDA	11.55
EV / EBIT	12.59
EV / FCF	15.13

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	0.42
Debt / EBITDA	6.02
Debt / FCF	7.88
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.00% and return on invested capital (ROIC) is 3.46%.

Return on Equity (ROE)	5.00%
Return on Assets (ROA)	0.70%
Return on Capital (ROIC)	3.46%
Revenue Per Employee	$325,242
Profits Per Employee	$66,604
Employee Count	91
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, AFBI has paid $1.84 million in taxes.

Income Tax	1.84M
Effective Tax Rate	23.31%

Stock Price Statistics

The stock price has increased by +36.99% in the last 52 weeks. The beta is 0.45, so AFBI's price volatility has been lower than the market average.

Beta (1Y)	0.45
52-Week Price Change	+36.99%
50-Day Moving Average	16.63
200-Day Moving Average	15.56
Relative Strength Index (RSI)	58.66
Average Volume (30 Days)	3,750

Short Selling Information

The latest short interest is 3,731, so 0.06% of the outstanding shares have been sold short.

Short Interest	3,731
Short Previous Month	3,564
Short % of Shares Out	0.06%
Short % of Float	0.08%
Short Ratio (days to cover)	0.71

Income Statement

In the last 12 months, AFBI had revenue of $29.60 million and earned $6.06 million in profits. Earnings per share was $0.92.

Revenue	29.60M
Gross Profit	29.60M
Operating Income	7.90M
Pretax Income	7.90M
Net Income	6.06M
EBITDA	8.62M
EBIT	7.90M
Earnings Per Share (EPS)	$0.92

Full Income Statement

Balance Sheet

The company has $61.40 million in cash and $51.84 million in debt, giving a net cash position of $9.56 million or $1.49 per share.

Cash & Cash Equivalents	61.40M
Total Debt	51.84M
Net Cash	9.56M
Net Cash Per Share	$1.49
Equity / Book Value	123.30M
Book Value Per Share	19.22
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $7.09 million and capital expenditures -$511,000, giving a free cash flow of $6.58 million.

Operating Cash Flow	7.09M
Capital Expenditures	-511,000
Free Cash Flow	6.58M
FCF Per Share	$1.03

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 26.70% and 20.48%.

Gross Margin	100.00%
Operating Margin	26.70%
Pretax Margin	26.70%
Profit Margin	20.48%
EBITDA Margin	29.11%
EBIT Margin	26.70%
FCF Margin	22.23%

Dividends & Yields

AFBI does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	2.35%
Shareholder Yield	2.35%
Earnings Yield	5.56%
FCF Yield	6.03%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on January 21, 2021. It was a reverse split with a ratio of 1441:1589.

Last Split Date	Jan 21, 2021
Split Type	Reverse
Split Ratio	1441:1589

Scores

Altman Z-Score	n/a
Piotroski F-Score	5