Openbookopenbook
Equity
Affinity Bancshares Inc(AFBI)
USD --+0.00%
Reward67High
Risk53Moderate
📊75%Data
AFBI
+0.0 · +0.00%
USD · NASDAQ
Affinity Bancshares Inc | Financial Services
Quality Compounder
Market Cap:136.71M
ℹ️
Reward Rating
67
High
Top 25% (model universe)
75% data coverage
ℹ️
Risk Rating
53
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on AFBI to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Affinity Bancshares Inc?

operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States.

AFBI · Verdict

Solid reward · elevated risk

AFBI stands out on profitability and growth, but watch the balance sheet signal.

Based on 88% data coverage

AFBI · Verdict

What’s working & what to watch

Strengths 4

  • Profitability79/100

    16% net margin · 2% ROE

  • Growth77/100

    Rev +15.3% CAGR · earnings +5.3%

  • Volatility75/100

    Above average

  • Cash flow65/100

    21% free-cash-flow margin

Watchouts 1

  • Balance sheet16/100

    Net debt/EBITDA 4.2×

Model-based scoring. For information only — not financial advice.

What is Affinity Bancshares Inc?

operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, 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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 136.71M, and a P/E ratio of 16.4x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: High (67)

The scoring profile indicates moderate reward potential, with profitability and growth as the leading contributors. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap136.71M
P/E Ratio16.3723
Dividend YieldN/A
52 Week High22.5
52 Week Low17.75
Last AnnualDecember
IPO Date1/21/2021
IncorporatedUSA
Shares Outstanding6M
No. of Employees79
IndustryBanks - Regional
ExchangeNASDAQ
Beta-0.041
CurrencyUSD
Websitemyaffinitybank.com
openbook

Stock research for everyday UK investors. Make smarter decisions, faster.

Questions? Email us at contact@openbookanalytics.com

© 2026 Openbook Analytics Ltd · Company No. SC843579 · Registered in Scotland

256-bit encryption GDPR compliant UK data centres

Openbook Analytics Ltd (Company No. SC843579) is registered in Scotland. Registered office: Strathclyde Inspire Hub, University of Strathclyde, Graham Hills Building (Level 6), 50 Richmond Street, Glasgow, G1 1XP. Openbook Analytics is not authorised or regulated by the Financial Conduct Authority (FCA). The content on this platform is provided for general informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice. You should not treat any content on this platform as a recommendation to buy, sell, or hold any financial instrument. Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest. User-generated content, including community posts and commentary, reflects the personal opinions of individual users, is not verified for accuracy, and does not represent the views of Openbook Analytics Ltd. You should always conduct your own research or consult a qualified, FCA-regulated financial adviser before making investment decisions. Data displayed on this platform may be delayed or inaccurate and is provided "as is" without warranty. Openbook Analytics Ltd accepts no liability for any loss arising from reliance on the information provided.