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Affinity Bancshares Inc (NASDAQ:AFBI)
18.695 USD
+0.195 1.054%Sponsored Reports
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| Previous Close (in USD) | 18.5 |
|---|---|
| Change | +0.195 1.054% |
| 52 W H/L (in USD) | 22.210/14.925 |
| EBITDA (in USD) | -- |
| PE Ratio | 25.65 |
| Volume | 908 |
| Diluted Eps TTM | 0.85 |
| Total Assets (in USD) | 843.258M |
|---|---|
| Total Liabilities (in USD) | 721.742M |
| Revenue TTM (in USD) | 30.601M |
| Cash (in USD) | 50.025M |
| Market Cap (in USD) | 139.791 M |
| Revenue Per Share TTM | 4.772 |
| Gross Profit TTM (in USD) | 31.453M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Affinity Bancshares Inc
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services in Georgia. The company offers various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It offers commercial and residential real estate, commercial and industrial, residential mortgage, construction and land, and consumer loans, as well as balloon and adjustable-rate loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. Further, it operates a virtual bank under the name FitnessBank, which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. Affinity Bancshares, Inc. was founded in 1928 and is headquartered in Covington, Georgia.
Employees: 91
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Edward J. Cooney CPA, CPA | CEO & Director | 1968 |
| 2. | Mr. Clark N. Nelson Jr. | Exec. VP & Chief Credit Officer | 1965 |
| 3. | Ms. Elizabeth M. Galazka | Exec. VP of Lending | 1965 |
| 4. | Ms. Brandi C. Pajot CPA, CPA | Sr. VP, CFO, Chief Treasury, Corp. Sec. & Risk Officer | 1977 |
| 5. | Mr. Robert A. Vickers | Sr. VP & Operations Officer | 1981 |
| 6. | Ms. Nancy Mask | VP of Branch Sales Mang. - Eastside | NA |
| 7. | Mr. Clark N. Nelson Jr. | Executive VP & Chief Credit Officer | 1965 |
| 8. | Ms. Elizabeth M. Galazka | Executive Vice President of Lending | 1965 |
| 9. | Ms. Brandi C. Pajot CPA, CPA | Senior VP, CFO, Chief Treasury, Corporate Secretary & Risk Officer | 1977 |
| 10. | Mr. Robert A. Vickers | Senior VP & Operations Officer | 1981 |
Peers
Sector: Financial Services
Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
HDB
HDFC Bank Limited ADR |
+0.720 0.959% | 75.87 | 20.810 | 20.964 | 0.108 | 4.772 | 0.000 | 0.000 |
|
CIHKY
China Merchants Bank Co Ltd |
+0.340 0.967% | 35.24 | 6.610 | 5.682 | 0.476 | 0.766 | 3.426 | 0.000 |
|
CIHHF
China Merchants Bank Co Ltd Class H |
0.000 0.000% | 6.5 | 6.100 | 5.672 | 0.439 | 0.765 | 3.426 | 0.000 |
|
IBN
ICICI Bank Limited |
+0.055 0.167% | 32.92 | 17.790 | 16.949 | 0.066 | 3.082 | 0.000 | 0.000 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 9.327M | 9.911M | 3.88M | 0.326M | - |
| Minority Interest | - | - | - | - | - |
| Net Income | 7.134M | 7.573M | 3.088M | 0.355M | - |
| Selling General Administrative | 12.221M | 11.484M | 12.158M | 8.024M | - |
| Gross Profit | 32.157M | 32.081M | 27.009M | 14.351M | - |
| Reconciled Depreciation | 0.338M | 0.674M | 0.697M | 0.885M | - |
| Ebit | 11.368M | 9.911M | 3.88M | 0.326M | - |
| Ebitda | 11.706M | 10.585M | 4.577M | 1.211M | - |
| Depreciation And Amortization | 0.338M | 0.674M | 0.697M | 0.885M | - |
| Operating Income | 11.368M | 9.911M | 3.88M | 0.326M | - |
| Other Operating Expenses | 0.476M | 22.17M | 23.129M | 14.025M | 1.411M |
| Interest Expense | 2.379M | 3.177M | 5.49M | 2.312M | 0M |
| Tax Provision | 2.193M | 2.338M | 0.792M | -0.029M | - |
| Interest Income | 32.134M | 32.453M | 30.632M | 14.997M | - |
| Net Interest Income | 29.755M | 29.276M | 25.142M | 12.685M | - |
| Income Tax Expense | 2.193M | 2.338M | 0.792M | -0.029M | 0.201M |
| Total Revenue | 32.157M | 32.081M | 27.009M | 14.351M | - |
| Total Operating Expenses | 0.476M | -22.17M | -23.129M | -14.025M | - |
| Cost Of Revenue | - | - | - | - | - |
| Total Other Income Expense Net | -2.041M | -3.177M | -5.49M | -2.312M | - |
| Net Income From Continuing Ops | 7.134M | 7.573M | 3.088M | 0.355M | - |
| Net Income Applicable To Common Shares | 7.134M | 7.573M | 3.088M | 0.355M | 1.558M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
|---|---|---|---|---|---|
| Total Assets | 843.258M | 791.283M | 788.088M | 850.628M | 319.294M |
| Intangible Assets | 18.366M | 18.558M | 18.749M | 18.94M | - |
| Other Current Assets | 52.875M | -49.923M | 8.007M | 584.852M | 4.533M |
| Total Liab | 721.742M | 674.18M | 667.12M | 769.843M | 3.946M |
| Total Stockholder Equity | 121.516M | 117.103M | 120.968M | 80.785M | 77.167M |
| Other Current Liab | 154.689M | -6.983M | -3.333M | -4.748M | -3.946M |
| Common Stock | 0.064M | 0.066M | 0.069M | 0.077M | 0.077M |
| Capital Stock | 0.064M | 0.066M | 0.069M | 0.077M | 0.077M |
| Retained Earnings | 71.345M | 65.357M | 58.223M | 50.65M | 47.562M |
| Good Will | 17.231M | - | - | - | - |
| Other Assets | - | 595.608M | 546.183M | 584.852M | 251.74M |
| Cash | 50.025M | 26.324M | 111.776M | 178.253M | 48.117M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 154.689M | 6.983M | 3.333M | 4.748M | 3.946M |
| Current Deferred Revenue | - | - | - | - | - |
| Net Debt | -10.025M | -16.299M | -62.788M | -154.136M | -48.117M |
| Short Term Debt | - | - | - | - | - |
| Short Long Term Debt | - | - | - | - | - |
| Short Long Term Debt Total | 40M | 10.025M | 48.988M | 24.117M | - |
| Other Stockholder Equity | 61.026M | 58.335M | 63.034M | 29.899M | 29.519M |
| Property Plant Equipment | - | 4.257M | 3.783M | 8.617M | 8.513M |
| Total Current Assets | 52.875M | 99.051M | 168.34M | 212.618M | 54.945M |
| Long Term Investments | 88.201M | 73.809M | 51.033M | 25.601M | 4.096M |
| Short Term Investments | 48.561M | 72.727M | 48.557M | 24.005M | 3.818M |
| Net Receivables | - | - | 8.007M | 10.36M | 3.01M |
| Long Term Debt | 40M | 10.025M | 48.988M | 24.117M | - |
| Inventory | - | 2.901M | 3.538M | 1.292M | 0.14M |
| Accounts Payable | - | 6.983M | 3.333M | 4.748M | 3.946M |
| Accumulated Other Comprehensive Income | -10.919M | -6.655M | -0.358M | 0.159M | 0.009M |
| Non Currrent Assets Other | 29.064M | -96.624M | -73.565M | -53.158M | -12.609M |
| Non Current Assets Total | 790.383M | 96.624M | 73.565M | 53.158M | 12.609M |
| Capital Lease Obligations | - | - | - | - | - |
| Long Term Debt Total | - | - | - | - | - |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | -92.86M | -26.303M | -3.486M | 19.259M | 2.073M |
| Total Cashflows From Investing Activities | -93.722M | -9.623M | -110.383M | -1.378M | -11.286M |
| Total Cash From Financing Activities | 0.701M | -68.705M | 239.148M | 10.83M | 21.383M |
| Net Income | 7.134M | 7.573M | 3.088M | 0.355M | 1.558M |
| Change In Cash | -85.452M | -66.477M | 130.136M | 11.088M | 11.931M |
| Begin Period Cash Flow | 111.776M | 178.253M | 48.117M | 37.029M | - |
| End Period Cash Flow | 26.324M | 111.776M | 178.253M | 48.117M | 37.029M |
| Total Cash From Operating Activities | 7.569M | 11.851M | 1.371M | 1.636M | 1.834M |
| Depreciation | 0.338M | 0.674M | 0.697M | 0.885M | 0.876M |
| Other Cashflows From Investing Activities | 0.532M | 0.3M | 0.3M | 0.3M | -5.447M |
| Dividends Paid | - | - | - | - | - |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | -5.709M | - | 0M | -0.6M | - |
| Other Cashflows From Financing Activities | 149.41M | 5M | 299.148M | 19M | 22.051M |
| Capital Expenditures | 1.394M | 0.83M | 0.451M | 0.377M | 0.799M |
| Change In Working Capital | -1.652M | 1.394M | -4.593M | 0.113M | - |
| Other Non Cash Items | 0.775M | 2.027M | 1.954M | -0.14M | - |
| Free Cash Flow | 6.175M | 11.021M | 0.92M | 1.259M | - |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | DFA US Core Equity 1 I | 7 months ago | 8297 |
| 2. | Pender Alternative Arbitrage Cl FF | 7 months ago | 7900 |
| 3. | Fidelity Series Total Market Index | 7 months ago | 6759 |
| 4. | Vanguard Total Stock Mkt Idx Inv | 7 months ago | 241500 |
| 5. | Vanguard Institutional Extnd Mkt Idx Tr | 7 months ago | 58999 |
| 6. | Fidelity Extended Market Index | 7 months ago | 28408 |
| 7. | DFA US Core Equity 2 I | 7 months ago | 11076 |
| 8. | iShares Micro-Cap ETF | 6 months ago | 10510 |
| 9. | Fidelity Total Market Index | 7 months ago | 9342 |
| 10. | Pender Alternative Arbitrage Plus Cl I | 7 months ago | 9300 |
| 11. | BlackRock Extended Equity Market K | 8 months ago | 9170 |
| 12. | DFA US Targeted Value I | 7 months ago | 6529 |
| 13. | Dimensional US Core Equity 2 ETF | 6 months ago | 6476 |
| 14. | Dimensional Global Trgtd Value USD Acc | 7 months ago | 5679 |
| 15. | Vanguard Instl Ttl Stk Mkt Idx InstlPls | 7 months ago | 4831 |
| 16. | Vanguard Instl Ttl Stck Mkt Idx Tr | 8 months ago | 4831 |
| 17. | NT Ext Equity Mkt Idx Fd - L | 8 months ago | 4492 |
| 18. | Northern Trust Extended Eq Market Idx | 8 months ago | 4492 |
| 19. | Spartan Extended Market Index Pool E | 7 months ago | 4058 |
| 20. | Dimensional US Targeted Value ETF | 6 months ago | 2938 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | AllianceBernstein L.P. | 8 months ago | 407123 |
| 2. | Vanguard Group Inc | 8 months ago | 307780 |
| 3. | Raffles Associates LP | 8 months ago | 198919 |
| 4. | Yakira Capital Management, Inc. | 8 months ago | 129035 |
| 5. | Renaissance Technologies Corp | 8 months ago | 79748 |
| 6. | Dimensional Fund Advisors, Inc. | 8 months ago | 53249 |
| 7. | Geode Capital Management, LLC | 8 months ago | 51027 |
| 8. | Css LLC | 8 months ago | 32150 |
| 9. | Objectivity Squared LLC | 8 months ago | 27390 |
| 10. | Walleye Trading Advisors, LLC | 8 months ago | 21611 |
| 11. | Wells Fargo & Co | 8 months ago | 21300 |
| 12. | State Street Corp | 8 months ago | 21119 |
| 13. | Skandinaviska Enskilda Banken AB | 8 months ago | 15659 |
| 14. | Penderfund Capital Management Ltd | 8 months ago | 13827 |
| 15. | Lynch & Associates | 8 months ago | 12413 |
| 16. | BlackRock Inc | 11 months ago | 11485 |
| 17. | Qube Research & Technologies | 8 months ago | 10577 |
| 18. | Northern Trust Corp | 8 months ago | 10062 |
| 19. | Citigroup Inc | 8 months ago | 4465 |
| 20. | JPMorgan Chase & Co | 8 months ago | 2767 |
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