Affinity Bancshares, Inc. (AFBI)
Total Valuation
AFBI has a market cap or net worth of $102.02 million. The enterprise value is $60.52 million.
| Market Cap | 102.02M |
| Enterprise Value | 60.52M |
Important Dates
The next estimated earnings date is Friday, February 9, 2024, after market close.
| Earnings Date | Feb 9, 2024 |
| Ex-Dividend Date | n/a |
Share Statistics
AFBI has 6.39 million shares outstanding. The number of shares has decreased by -3.53% in one year.
| Shares Outstanding | 6.39M |
| Shares Change (YoY) | -3.53% |
| Shares Change (QoQ) | -0.81% |
| Owned by Insiders (%) | 28.89% |
| Owned by Institutions (%) | 17.02% |
| Float | 4.44M |
Valuation Ratios
The trailing PE ratio is 15.81.
| PE Ratio | 15.81 |
| Forward PE | n/a |
| PS Ratio | 3.38 |
| Forward PS | n/a |
| PB Ratio | 0.86 |
| P/FCF Ratio | 22.18 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 6.10, with an EV/FCF ratio of 13.16.
| EV / Earnings | 9.12 |
| EV / Sales | 2.00 |
| EV / EBITDA | 6.10 |
| EV / EBIT | 6.98 |
| EV / FCF | 13.16 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.17 |
| Debt / EBITDA | 2.02 |
| Debt / FCF | 4.35 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.60% and return on invested capital (ROIC) is 4.79%.
| Return on Equity (ROE) | 5.60% |
| Return on Assets (ROA) | 0.80% |
| Return on Capital (ROIC) | 4.79% |
| Revenue Per Employee | $339,303 |
| Profits Per Employee | $74,539 |
| Employee Count | 89 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, AFBI has paid $2.04 million in taxes.
| Income Tax | 2.04M |
| Effective Tax Rate | 23.51% |
Stock Price Statistics
The stock price has increased by +11.60% in the last 52 weeks. The beta is 0.33, so AFBI's price volatility has been lower than the market average.
| Beta (1Y) | 0.33 |
| 52-Week Price Change | +11.60% |
| 50-Day Moving Average | 14.71 |
| 200-Day Moving Average | 13.95 |
| Relative Strength Index (RSI) | 59.86 |
| Average Volume (30 Days) | 4,241 |
Short Selling Information
The latest short interest is 3,844, so 0.06% of the outstanding shares have been sold short.
| Short Interest | 3,844 |
| Short Previous Month | 3,436 |
| Short % of Shares Out | 0.06% |
| Short % of Float | 0.09% |
| Short Ratio (days to cover) | 1.20 |
Income Statement
In the last 12 months, AFBI had revenue of $30.20 million and earned $6.63 million in profits. Earnings per share was $1.01.
| Revenue | 30.20M |
| Gross Profit | 30.20M |
| Operating Income | 8.67M |
| Pretax Income | 8.67M |
| Net Income | 6.63M |
| EBITDA | 9.92M |
| EBIT | 8.67M |
| Earnings Per Share (EPS) | $1.01 |
Balance Sheet
The company has $61.50 million in cash and $20.00 million in debt, giving a net cash position of $41.50 million or $6.50 per share.
| Cash & Cash Equivalents | 61.50M |
| Total Debt | 20.00M |
| Net Cash | 41.50M |
| Net Cash Per Share | $6.50 |
| Equity / Book Value | 118.48M |
| Book Value Per Share | 18.55 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $5.42 million and capital expenditures -$816,000, giving a free cash flow of $4.60 million.
| Operating Cash Flow | 5.42M |
| Capital Expenditures | -816,000 |
| Free Cash Flow | 4.60M |
| FCF Per Share | $0.72 |
Margins
Gross margin is 100.00%, with operating and profit margins of 28.72% and 21.97%.
| Gross Margin | 100.00% |
| Operating Margin | 28.72% |
| Pretax Margin | 28.72% |
| Profit Margin | 21.97% |
| EBITDA Margin | 32.84% |
| EBIT Margin | 28.72% |
| FCF Margin | 15.23% |
Dividends & Yields
AFBI does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Earnings Yield | 6.50% |
| FCF Yield | 4.51% |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Buyback Yield | 3.53% |
| Shareholder Yield | 3.53% |
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 | 4 |