Based on the key indicators related to Affinity Bancshares' liquidity, profitability, solvency, and operating efficiency, Affinity Bancshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April. As of now, Affinity Bancshares' Total Current Assets are increasing as compared to previous years. The Affinity Bancshares' current Property Plant Equipment is estimated to increase to about 5.5 M, while Total Current Liabilities is projected to decrease to under 2.6 M. Key indicators impacting Affinity Bancshares' financial strength include:
Investors should never underestimate Affinity Bancshares' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Affinity Bancshares' cash flow, debt, and profitability to make informed and accurate decisions about investing in Affinity Bancshares.
Net Income
5.41 Million
Affinity
Select Account or Indicator
Market Cap
Enterprise Value
Price To Sales Ratio
Ptb Ratio
Book Value Per Share
Free Cash Flow Yield
Operating Cash Flow Per Share
Stock Based Compensation To Revenue
Capex To Depreciation
Pb Ratio
Ev To Sales
Free Cash Flow Per Share
Roic
Net Income Per Share
Sales General And Administrative To Revenue
Capex To Revenue
Cash Per Share
Pocfratio
Interest Coverage
Capex To Operating Cash Flow
Pfcf Ratio
Income Quality
Roe
Ev To Operating Cash Flow
Pe Ratio
Return On Tangible Assets
Ev To Free Cash Flow
Earnings Yield
Intangibles To Total Assets
Net Debt To E B I T D A
Current Ratio
Tangible Book Value Per Share
Graham Number
Shareholders Equity Per Share
Debt To Equity
Capex Per Share
Graham Net Net
Revenue Per Share
Interest Debt Per Share
Debt To Assets
Enterprise Value Over E B I T D A
Price Earnings Ratio
Price Book Value Ratio
Price Earnings To Growth Ratio
Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio
Pretax Profit Margin
Ebt Per Ebit
Operating Profit Margin
Effective Tax Rate
Company Equity Multiplier
Long Term Debt To Capitalization
Total Debt To Capitalization
Return On Capital Employed
Debt Equity Ratio
Ebit Per Revenue
Quick Ratio
Dividend Paid And Capex Coverage Ratio
Net Income Per E B T
Cash Ratio
Operating Cash Flow Sales Ratio
Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios
Price To Book Ratio
Fixed Asset Turnover
Capital Expenditure Coverage Ratio
Price Cash Flow Ratio
Enterprise Value Multiple
Debt Ratio
Cash Flow To Debt Ratio
Price Sales Ratio
Return On Assets
Asset Turnover
Net Profit Margin
Price Fair Value
Return On Equity
Investments
Change In Cash
Net Borrowings
Total Cashflows From Investing Activities
Other Cashflows From Financing Activities
Depreciation
Capital Expenditures
Total Cash From Operating Activities
Change To Operating Activities
Net Income
Total Cash From Financing Activities
End Period Cash Flow
Other Cashflows From Investing Activities
Change To Netincome
Sale Purchase Of Stock
Change To Inventory
Stock Based Compensation
Free Cash Flow
Change In Working Capital
Begin Period Cash Flow
Other Non Cash Items
Change To Account Receivables
Total Current Liabilities
Other Liab
Net Tangible Assets
Retained Earnings
Accounts Payable
Other Assets
Inventory
Other Current Assets
Other Stockholder Equity
Total Current Assets
Common Stock
Property Plant Equipment
Total Assets
Other Current Liab
Total Stockholder Equity
Property Plant And Equipment Net
Net Debt
Cash
Non Current Assets Total
Non Currrent Assets Other
Cash And Short Term Investments
Net Receivables
Common Stock Total Equity
Common Stock Shares Outstanding
Short Term Investments
Liabilities And Stockholders Equity
Non Current Liabilities Total
Total Liab
Long Term Investments
Property Plant And Equipment Gross
Accumulated Other Comprehensive Income
Capital Stock
Short Long Term Debt Total
Long Term Debt
Net Invested Capital
Intangible Assets
Interest Expense
Other Operating Expenses
Net Income Applicable To Common Shares
Income Tax Expense
Tax Provision
Net Interest Income
Interest Income
Depreciation And Amortization
Selling General Administrative
Selling And Marketing Expenses
Total Revenue
Gross Profit
Operating Income
Net Income From Continuing Ops
Ebit
Ebitda
Total Operating Expenses
Reconciled Depreciation
Income Before Tax
Total Other Income Expense Net
Probability Of Bankruptcy
Understanding current and past Affinity Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Affinity Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in Affinity Bancshares' assets may result in an increase in income on the income statement.
Affinity Bancshares competes with Home Federal, Magyar Bancorp, and Community West. Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company was founded in 1928 and is headquartered in Covington, Georgia. Affinity Bancshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 90 people.
Comparative valuation techniques use various fundamental indicators to help in determining Affinity Bancshares's current stock value. Our valuation model uses many indicators to compare Affinity Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Affinity Bancshares competition to find correlations between indicators driving Affinity Bancshares's intrinsic value. More Info.
Affinity Bancshares is rated below average in return on equity category among its peers. It is rated fourth in return on asset category among its peers reporting about 0.15 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Affinity Bancshares is roughly 6.78 . As of now, Affinity Bancshares' Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Affinity Bancshares' earnings, one of the primary drivers of an investment's value.
Affinity Bancshares Systematic Risk
Affinity Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Affinity Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on Affinity Bancshares correlated with the market. If Beta is less than 0 Affinity Bancshares generally moves in the opposite direction as compared to the market. If Affinity Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Affinity Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Affinity Bancshares is generally in the same direction as the market. If Beta > 1 Affinity Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
About Affinity Bancshares Financials
What exactly are Affinity Bancshares Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Affinity Bancshares' income statement, its balance sheet, and the statement of cash flows. Potential Affinity Bancshares investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Affinity Bancshares investors may use each financial statement separately, they are all related. The changes in Affinity Bancshares's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Affinity Bancshares's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in Affinity Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Affinity Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Affinity Bancshares growth as a starting point in their analysis.
Affinity Bancshares March 23, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Affinity Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Affinity Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Affinity Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Affinity Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Affinity Bancshares's daily price indicators and compare them against related drivers.
When running Affinity Bancshares' price analysis, check to measure Affinity Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Affinity Bancshares is operating at the current time. Most of Affinity Bancshares' value examination focuses on studying past and present price action to predict the probability of Affinity Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Affinity Bancshares' price. Additionally, you may evaluate how the addition of Affinity Bancshares to your portfolios can decrease your overall portfolio volatility.