Affinity Bancshares, Inc. AFBI NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score

64/100

4/6 Pass

SharesGrow Intrinsic Value

$28.98

+29.4%

SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

Affinity Bancshares, Inc. (AFBI) trades at a trailing P/E of 16.4. Trailing earnings yield is 6.09%. PEG 0.30 (Peter Lynch undervalued ≤1.0). Graham Number is $25.15.

Criteria proven by this page:

VALUE (73/100, Pass) — P/E is below market average (16.4); PEG ≤ 1.0 — Peter Lynch undervalued (0.30); earnings yield beats bond yields (6.09%).
PEG Ratio 0.30 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
Trailing Earnings Yield 6.09% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.

Overall SharesGrow Score: 62/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score

64/100

SG Score

View full scorecard →

✓

VALUE

73/100

Price-to-Earnings & upside

Proven by this page

—

FUTURE

N/A

No coverage

✓

PAST

100/100

→ Income

✗

HEALTH

33/100

Debt-to-Equity & liquidity

→ Health

✗

MOAT

35/100

→ Income

✓

GROWTH

73/100

→ Income

✓

INCOME

70/100

→ Income

Valuation Snapshot — AFBI

Valuation Multiples

P/E (TTM)16.4

Forward P/EN/A

PEG Ratio0.30

Forward PEGN/A

P/B Ratio1.08

P/S Ratio2.57

EV/EBITDA15.5

Per Share Data

EPS (TTM)$1.36

Book Value / Share$20.70

Revenue / Share$8.63

FCF / Share$1.83

Yields & Fair Value

Earnings Yield6.09%

Dividend Yield0.00%

Graham Number$25.15

SharesGrow IV$28.98 (+29.4%)

Historical Valuation

Year	P/E (TTM)	PEG Ratio	P/B Ratio	P/S Ratio	Dividend Yield
2016	71.6	-2.66	1.84	6.76	-
2017	61.6	3.90	1.11	6.17	-
2018	161.8	-2.40	0.95	4.51	-
2019	221.8	-7.83	1.02	4.72	-
2020	22.0	0.03	0.84	2.09	-
2021	14.0	0.10	0.88	3.02	-
2022	14.1	-5.18	0.86	2.92	-
2023	16.0	-2.45	0.85	2.29	-
2024	20.6	-1.38	0.87	2.25	-
2025	15.1	0.27	0.99	2.37	7.01%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year	EPS (Diluted)	Revenue	Net Income	Net Margin
2016	$0.19	$12.26M	$1.16M	9.4%
2017	$0.22	$13.63M	$1.37M	10%
2018	$0.07	$16.12M	$449K	2.8%
2019	$0.05	$16.66M	$355K	2.1%
2020	$0.45	$32.48M	$3.09M	9.5%
2021	$1.10	$35.13M	$7.57M	21.6%
2022	$1.06	$34.54M	$7.13M	20.7%
2023	$0.98	$45.17M	$6.45M	14.3%
2024	$0.83	$49.99M	$5.44M	10.9%
2025	$1.29	$52.93M	$8.33M	15.7%