Affinity Bancshares

NAQ:AFBI · US00832E1038

BanksX-Small

360

Medium confidence — indicative

Value28

Profit price25

Cash yield1

Sales & asset price50

Price/Sales30

EV / Gross Profit48

Price/Book72

Quality62

Returns on capital60

Profit margins—

Cash backing67

Cash Conversion61

Accruals67

Owner Earnings Margin72

Growth40

Sales growth9

Profit growth61

Profit Growth54

Owner Earnings Growth67

Reinvestment14

Price momentum33

Safety53

Debt load74

Debt serviceability29

Liquidity34

Sentiment59

Analyst ratings—

Expectations trend—

Market mood1

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Affinity Bancshares clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePublic Company

ExchangeNASDAQCM

Founded2020

Websiteaffinitybankshares.q4ir.com

ISINUS00832E1038

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association (Affinity Bank) that provides various banking products and services. The company conducts banking activities in Newton County, Georgia and surrounding c…

Analysis

Hope premium

Affinity Bancshares, Inc. is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.9×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare Affinity Bancshares with its peers

Rhinebeck Bancorp

NAQ:RBKB

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Oak Valley

NAQ:OVLY

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Eastern Bankshares

NSQ:EBC

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Columbia Financial

NSQ:CLBK

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

MidWestOne

NSQ:MOFG

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Bogota Financial

NAQ:BSBK

CountryUSA

IndustryBanks

SizeX-Small

Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →