Affinity Bancshares, Inc. (AFBI) Stock Score, Valuation & Financial Research
Affinity Bancshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for AFBI
Affinity Bancshares, Inc. currently has a Wall Street Score of 53/100. The stored market price is $23. Its financial score is 42/100. Its valuation score is 93/100. The latest WSS change is +1.4 points. These figures are a research snapshot, not a buy or sell recommendation.
What Affinity Bancshares, Inc. does
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. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, 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 instit
AFBI financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $23
- Market capitalization:
- $140.2M
- Revenue:
- $52.7M
- Net income:
- $8.8M
- Free cash flow:
- $11.2M
- Cash:
- $5.6M
- Total debt:
- $54.0M
- EPS:
- 1.41
- P/E ratio:
- 16.3x
- Financial score:
- 42/100
- Valuation score:
- 93/100
- Revenue score:
- 23/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $11.2M, showing positive cash generation.
- The balance sheet shows $5.6M of cash versus $54.0M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +1.4 points: AFBI increased 1.4 points because Valuation improved by 13.9 points.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 42/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research AFBI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.