Affinity Bancshares, Inc. (CFBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.Unlock 29 Markets

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Ponce Financial Group, Inc.

Provident Bancorp, Inc. (Massachusetts)

Timberland Bancorp, Inc. (Washington)

Affinity Bancshares, Inc.

Blue Foundry Bancorp

BV Financial, Inc.

Western New England Bancorp, Inc.

First Northwest Bancorp (Washington)

Riverview Bancorp, Inc.

ESSA Bancorp, Inc.

William Penn Bancorp

Why is Affinity Bancshares, Inc. ?

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

OPERATING CASH FLOW(Y) Highest at USD 10.65 MM
NII(Q) Highest at USD 7.78 MM
NET SALES(Q) Highest at USD 12.82 MM

With ROA of 0.56%, it has a fair valuation with a 0.93 Price to Book Value

Over the past year, while the stock has generated a return of -8.72%, its profits have fallen by -2%

High Institutional Holdings at 29.91%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Below par performance in long term as well as near term

Along with generating -8.72% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How 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.

-5.81%

-0.18

29.10%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.03%

EBIT Growth (5y)

58.90%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

29.91%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.93

EV to EBIT

12.72

EV to EBITDA

11.43

EV to Capital Employed

0.91

EV to Sales

1.79

PEG Ratio

Dividend Yield

ROCE (Latest)

7.19%

ROE (Latest)

4.86%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Sideways

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 10.65 MM

NII(Q)

Highest at USD 7.78 MM

NET SALES(Q)

Highest at USD 12.82 MM

OPERATING PROFIT(Q)

Highest at USD 2.83 MM

OPERATING PROFIT MARGIN(Q)

Highest at 22.1 %

PRE-TAX PROFIT(Q)

Highest at USD 2.83 MM

NET PROFIT(Q)

Highest at USD 2.15 MM

EPS(Q)

Highest at USD 0.33

-1What is not working for the Company

CASH AND EQV(HY)

Lowest at USD 12.08 MM

Here's what is working for Affinity Bancshares, Inc.

NII

Highest at USD 7.78 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Cash Flow

Highest at USD 10.65 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 12.82 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 2.83 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 22.1 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 2.83 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 2.83 MM has Grown at 48.61%

over average net sales of the previous four periods of USD 1.91 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 2.15 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 2.15 MM has Grown at 44.99%

over average net sales of the previous four periods of USD 1.48 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.33

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Affinity Bancshares, Inc.

Cash and Eqv

Lowest at USD 12.08 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents