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
The company has declared Positive results for the last 5 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 14.13 MM
- ROCE(HY) Highest at 0.96%
- CREDIT DEPOSIT RATIO(HY) Highest at 102.37%
5
With ROA of 0.64%, 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 22.58%, its profits have risen by 53.1% ; the PEG ratio of the company is 0.2
6
High Institutional Holdings at 32.06%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.02% over the previous quarter.
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?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Affinity Bancshares, Inc.
22.58%
0.34
26.40%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.74%
EBIT Growth (5y)
19.85%
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
32.06%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.93
EV to EBIT
10.72
EV to EBITDA
10.04
EV to Capital Employed
0.93
EV to Sales
2.21
PEG Ratio
0.24
Dividend Yield
NA
ROCE (Latest)
8.66%
ROE (Latest)
6.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bearish
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 14.13 MM
ROCE(HY)
Highest at 0.96%
CREDIT DEPOSIT RATIO(HY)
Highest at 102.37%
NET PROFIT(Q)
Highest at USD 2.28 MM
EPS(Q)
Highest at USD 0.36
-2What is not working for the Company
ROCE(HY)
Lowest at 0.96%
Here's what is working for Affinity Bancshares, Inc.
Operating Cash Flow
Highest at USD 14.13 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Highest at USD 2.28 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.36
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 102.37%
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 (%)
CASA
Highest at 12.3%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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