Price Point
ScoreDashboard
High Profitability with a Net Interest Margin of 10.54%
Strong Long Term Fundamental Strength with a 52.17% CAGR growth in Net Profits
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 52.17%
Positive results in Jun 25
With ROA of 0.56%, it has a fair valuation with a 0.93 Price to Book Value
High Institutional Holdings at 29.91%
Below par performance in long term as well as near term
Total ReturnsTotal Returns (Price + Dividend) 
Affinity Bancshares, Inc. for the last several years.
Risk Adjusted Returns v/s
News & Corporate ActionsNews
Is Affinity Bancshares, Inc. overvalued or undervalued?
As of 28 November 2025, the valuation grade for Affinity Bancshares, Inc. has moved from very attractive to attractive, indicating a shift in its perceived value. The company appears to be fairly valued based on its current metrics, with a P/E ratio of 19, a price-to-book value of 0.93, and an EV to EBITDA ratio of 11.43. In comparison, Ponce Financial Group, Inc. has a higher P/E ratio of 21.78, while Timberland Bancorp, Inc. shows a lower EV to EBITDA ratio of 10.19, highlighting the relative positioning of Affinity within its peer group. In terms of performance, Affinity Bancshares has shown a year-to-date return of 10.40%, which lags behind the S&P 500's return of 16.45% for the same period, suggesting that while the stock has performed positively, it has not kept pace with broader market trends. Overall, the company's valuation metrics indicate it is fairly valued in the current market environment....
Read MoreIs Affinity Bancshares, Inc. overvalued or undervalued?
As of 28 November 2025, the valuation grade for Affinity Bancshares, Inc. moved from very attractive to attractive. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 19, a Price to Book Value of 0.93, and an EV to EBITDA of 11.43. In comparison, Ponce Financial Group, Inc. has a P/E of 21.78, while Timberland Bancorp, Inc. stands at a lower P/E of 10.19, indicating that Affinity is positioned between these peers. In terms of recent performance, Affinity Bancshares has underperformed the S&P 500 over the past year, with a return of -10.14% compared to the index's 14.18%, but has shown stronger performance over the longer term, with a 5-year return of 94.17% versus the S&P's 88.25%. This suggests that while the stock may currently be fairly valued, it has the potential for growth in the long run....
Read MoreIs Affinity Bancshares, Inc. technically bullish or bearish?
As of 9 September 2025, the technical trend for Affinity Bancshares, Inc. has changed from mildly bullish to bullish. The weekly MACD is bullish, and the daily moving averages also indicate a bullish stance. Bollinger Bands are bullish on the weekly timeframe. However, the monthly MACD and KST are mildly bearish, suggesting some caution. The stock has shown a return of 12.57% year-to-date, slightly outperforming the S&P 500's 12.22%, but it has underperformed over the 1-year period with a return of -8.16% compared to the S&P 500's 17.14%. Overall, the current technical stance is bullish, with strength primarily driven by the weekly MACD and daily moving averages....
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Valuation key factors
Technicals key factors
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned ShareholdingShareholding Snapshot : Mar 2025
Shareholding Compare (%holding)
Domestic Funds
Held in 5 Schemes (7.53%)
Held by 19 Foreign Institutions (4.31%)
Financial
Company CVAbout Affinity Bancshares, Inc.
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