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AFBI
AFBI
Affinity Bancshares Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$22.98
+0.03 ▲ +0.13%
🌙 7월 27일 4:10 PM ET (한국 7/28 05:10)
$22.98
+0.00 +0.00%

아피니티뱅크쇼어스(AFBI) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

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시가총액
$140M
스몰캡
P/E
16.7
적정 수준
배당수익률
없음
52주 위치
100%
저점 +25% · 고점 0%
애널리스트
-
C+
Fundamental health
vs. Banks - Regional 초소형주
수익성
Top 33%
성장
Top 39%
밸류에이션
Top 41%
재무 안정
Top 71%
💰 Is this stock pricier than usual right now?
Compared to this company's own recent 5년 (not other companies).
Very cheap
Cheap
Typical
Pricey
Very pricey
Simply put — what you pay today to own $1 of this company's yearly earnings is 16원. Over the past 5년, it usually traded around 15원. On the pricier side versus its own history.
Pricy doesn't mean bad — it means expectations are already baked in.
Index -P/E 16.68EPS (ttm) 1.38Insider Own 30.04%Shs Outstand 6.1MPerf Week 0.83%
Market Cap 0.14BForward P/E -EPS next Y -Insider Trans -Shs Float 4.3MPerf Month 1.91%
Enterprise Value -PEG -EPS next Q -Inst Own 27.46%Short Float 0.25%Perf Quarter 2.54%
Income 0.01BP/S 2.63EPS this Y -Inst Trans 4.15%Short Ratio 0.92Perf Half Y 13.15%
Sales 0.05BP/B 1.08EPS next 5Y -ROA 0.96%Short Interest 0.01MPerf YTD 12.26%
Book/sh 21.24P/C -EPS past 3/5Y 7% 23.51%ROE 6.98%52W High 0.07% ($22.97)Perf Year 21.91%
Cash/sh -P/FCF 10.15Sales past 3/5Y 15.3% 10.26%ROIC 5.06%52W Low 25.23% ($18.35)Perf 3Y 83.97%
Dividend Est. -EV/EBITDA -EPS Y/Y TTM 53.05%Gross Margin -Volatility(W/M) 0.24% 0.24%Perf 5Y 87.72%
Dividend TTM -EV/Sales -Sales Y/Y TTM 4.88%Oper. Margin 22.22%ATR (14) 0.06Perf 10Y -
Dividend Ex-Date 2025/3/13Quick Ratio -EPS Q/Q 29.72%Profit Margin 16.5%RSI (14) 87.21Recom -
Dividend Gr. 3/5Y -Current Ratio 0.22Sales Q/Q 2.5%SMA20 1.16% ($22.72)Beta 0.13Target Price -
Payout -Debt/Eq 0.42Earnings -SMA50 1.73% ($22.59)Rel Volume 0.98Prev Close $22.95
Employees 82LT Debt/Eq 0.34EPS/Sales Surpr. -SMA200 9.97% ($20.9)Avg Volume(3M) 0.01MPrice $22.98
IPO 2017/4/28Option/Short No/YesTrades 75Volume 11,285Change 0.13%
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12*
25.3
25.6
25.9
25.12*
26.3
Revenue Net income 최근 분기: 매출 $12M (YoY +2%) · 순이익 $2M (YoY +25%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Affinity Bancshares Inc (AFBI) Investment Analysis

What kind of company is Affinity Bancshares Inc?

아피니티뱅크쇼어스(AFBI) 가치주
Financial · Banks - Regional
Small-Cap — Low Volume, High Volatility

🏦 Affinity Bancshares is a community-oriented regional bank holding company based in Georgia, USA, that provides commercial and retail financial services, including deposits and loans, through its subsidiary, Affinity Bank. Operating primarily in the Atlanta metropolitan area, the company handles commercial real estate, business loans, and residential mortgages. As a small community bank, it also offers differentiated products such as FitnessBank, a virtual bank that rewards customers with preferential interest rates when they hit their fitness goals.

Learn more about Affinity Bancshares Inc →
Market Cap
$0.1B
Approx. KRW 0.2 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank4349
Employees82people
IPO2017/04/28
Current Price$22.98 ≈ 31,483원
NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🎯 Ex-div 2025년 3월 13일 (목)

Is it profitable?

Profitable but financially weak
High debt load may weigh on results in a downturn
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
22.2%
✓ 양호
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 Median 16.7% · Top 31%
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
16.5%
✓ 양호
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 Median 13.6% · Top 35%
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
ROE
Annual return earned on shareholders' equity (15%+ is strong)
7.0%
✓ 양호
My positionMid-range
Low range Average High range
Financial 초소형주 Median 3.2% · Top 25%
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
1.0%
✓ 평균
My positionMid-range
Low range Average High range
Financial 초소형주 Median 1.0% · Bottom 50%
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
5.1%
✓ 우수
My positionTop 25%
Low range Average High range
Financial 초소형주 Median 2.2% · Top 25%
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
0.42
✓ Healthy debt
My positionMid-range
Low range Average High range
Banks - Regional Median 0.42
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
0.22
✓ 위험
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Outlook data is insufficient

Analyst estimates and price targets have not been collected.

Did earnings meet expectations?

Insufficient historical earnings data

No analyzable past earnings releases have been collected yet.

Is it growing?

Average Growth
Mid-range within the industry
Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
+7.0%
양호
My positionMid-range
Low range Average High range
가치주 초소형주 Median 2.4% · Top 43%
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
+23.5%
우수
My positionTop 25%
Low range Average High range
가치주 초소형주 Median 9.4% · Top 25%
Past 5-Year Revenue
How much revenue grew over the past 5 years
+10.3%
양호
My positionMid-range
Low range Average High range
가치주 초소형주 Median 7.3% · Top 33%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+2.5%
평균
My positionMid-range
Low range Average High range
가치주 초소형주 Median 5.3% · Bottom 44%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

Has the stock risen over the long term?

Slightly outperformed the market over 5 years (+19%p)
AFBI +87.7% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
+19.4%p
ahead of the market
1-year basis
vs S&P 500
+5.9%p
slightly ahead of the market
Rank among peers
5-year return Top among peers Based on 64 peers
1-year return Lower-Mid (lower 41%) Based on 76 peers
Current position within 52-week range
Low (-25.2%p) High (+0.1%p)
Current price is 25.2% above the 52-week low and 0.1% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-10.1%
Annualized volatility
22.6%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

⚠️
Current diagnosis · 2026-07-27
Overbought zone — short-term pullback possible

Current price $22.98 broke above the upper band ($22.97). Stronger buying than average, but signals short-term overheating. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟢
Current diagnosis · 2026-07-27
Bullish momentum holding

MACD 0.107 > Signal 0.081 in positive zone + Hist positive (+0.026). Trend in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

⚠️
Current diagnosis · 2026-07-27
Overbought zone — short-term pullback possible

RSI 86.0 (above 70). Buying pressure is excessive, and profit-taking may emerge. Stoch %K is also 100.0.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average
Cheap on Vs. Cash Flow, In line with peers on Vs. Earnings·Vs. Assets·Vs. Sales
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Mid-range
🏢 Vs. Assets Mid-range
🧾 Vs. Sales Mid-range
💧 Vs. Cash Flow Cheap
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
16.68x
✓ Fair
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 median 12.79x · Around the industry average
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
1.08x
✓ Fair
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 median 1.01x · Around the industry average
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
2.63x
✓ Fair
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 median 2.07x · Around the industry average
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
10.15x
✓ Cheap
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 median 12.93x · Around the industry average
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Banks - Regional 초소형주

Who owns it?

Ownership flow is positive
Institutional net buying +4.2% · Short interest light 0.3%
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
0.0%
Insiders little change
🏦 Institutions (funds & investors)
+4.2%
Institutions net buying
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 27.5%
Moderate institutional participation
Financial 초소형주 Median 30.5%
🧑‍💼 Insiders 30.0%
Founder/management large holders (strong skin-in-the-game)
Financial 초소형주 Median 23.8%
👤 Retail investors (estimated) 42.5%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
0.3%
Low — limited short-side pressure
Financial 초소형주 Median 0.2%
Past 90 days Little change
Short interest days to cover
0.9 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 6.1M주
Float (tradable shares) 4.3M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding AFBI

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
AFBI AFBI This Stock
$140.1M16.7 1.1 6.98% - +0.1%
BRK-B
$966.4B14.8 1.5 10.49% - +0.5%
BRK-A
$963.1B14.8 1.5 10.49% - +0.1%
JPM
$954.4B15.3 2.7 17.71% 1.8% +0.8%
V
$683.1B31.9 19.4 59.8% 0.75% +1.9%
MA
$487.5B31.9 72.8 232.56% 0.63% +2.2%
Sector Avg-13.61.39.39%2.62%-
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FAQ

What kind of company is 아피니티뱅크쇼어스(AFBI)?

아피니티뱅크쇼어스(AFBI) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of AFBI?

The market cap of AFBI is approximately $140M, ranking 4,349 within its sector.

What is the P/E ratio of AFBI?

AFBI has a P/E ratio of approximately 16.7x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for AFBI?

AFBI has recorded a 52-week high of $22.97 and a low of $18.35.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독

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