ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Affinity Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 4.28%
2
Strong Long Term Fundamental Strength with a 21.94% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 21.94%
4
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 9.39 MM
- ROCE(HY) Highest at 0.95%
- OPERATING PROFIT(Q) Highest at USD 3.34 MM
5
With ROA of 0.66%, it has a attractive valuation with a 0.90 Price to Book Value
- Over the past year, while the stock has generated a return of 9.44%, its profits have risen by 53.1% ; the PEG ratio of the company is 0.2
6
High Institutional Holdings at 30.04%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Affinity Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Affinity Bancshares, Inc. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Affinity Bancshares, Inc.
9.44%
-0.27
21.50%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.74%
EBIT Growth (5y)
20.08%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
30.04%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.90
EV to EBIT
10.22
EV to EBITDA
9.68
EV to Capital Employed
0.90
EV to Sales
2.13
PEG Ratio
0.23
Dividend Yield
NA
ROCE (Latest)
8.80%
ROE (Latest)
6.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 9.39 MM
ROCE(HY)
Highest at 0.95%
OPERATING PROFIT(Q)
Highest at USD 3.34 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.36 %
PRE-TAX PROFIT(Q)
Highest at USD 3.08 MM
NII(Q)
Highest at USD 8.25 MM
NET PROFIT(9M)
Higher at USD 6.5 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 106.86%
NET SALES(Q)
Highest at USD 13.16 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 0.95%
Here's what is working for Affinity Bancshares, Inc.
Operating Profit
Highest at USD 3.34 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.36 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 3.08 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
NII
Highest at USD 8.25 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 6.5 MM has Grown at 58.33%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 9.39 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 13.16 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Credit Deposit Ratio
Highest at 106.86%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
Higher at USD 6.5 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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