Affinity Bancshares Inc (AFBI)Financial Services | Banks - Regional | Covington, United States |
USD
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Hot Take ↕ | Oct. 10, 2026, 5:35 a.m. UTC
The investment case for Affinity Bancshares has collapsed entirely due to the definitive merger agreement with Fidelity Bank. While the stock trades at a premium to book value and offers a low P/E, these metrics are irrelevant in the face of an imminent all-cash acquisition at approximately $23 per share. The market is correctly pricing the asset as a liquidation event rather than a going concern; shareholders will likely receive cash soon, rendering any long-term equity holding strategy obsolete. Furthermore, the company has ceased paying dividends, offering no income floor during this transition. With the merger announced and approved, the only rational play is to sell into the current bid rather than hold for a speculative upside that is capped by the deal terms. |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2025-03-13 |
| Last Dividend Date | 2025-03-13 |
| Revenue per Share | 1.897 |
| Market Cap | 140,182,352 |
| Trailing P/E | 16.79 |
| Beta | -0.04 |
| Profit Margins | 10.91% |
| Website | https://myaffinitybank.com |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.21052635 |
| Address1 | 3,175 Highway 278 |
| All Time High | 23.0 |
| All Time Low | 10.61 |
| Ask | 29.44 |
| Ask Size | 200 |
| Average Daily Volume10 Day | 4,685 |
| Average Volume | 10,262 |
| Average Volume10Days | 4,685 |
| Beta | -0.041 |
| Bid | 16.55 |
| Bid Size | 200 |
| Book Value | 10.215 |
| City | Covington |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Country | United States |
| Currency | USD |
| Current Price | 23.0 |
| Date Short Interest | 1,784,073,600 |
| Day High | 23.0 |
| Day Low | 22.97 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 10.046 |
| Enterprise Value | 143,454,752 |
| Ex Dividend Date | 1,741,824,000 |
| Exchange | NCM |
| Exchange Timezone Name | UTC |
| Fifty Day Average | 22.693623 |
| Fifty Two Week High | 23.0 |
| Fifty Two Week Low | 18.35 |
| Financial Currency | USD |
| First Trade Date Epoch Utc | 1,784,295,000 |
| Float Shares | 3,132,693 |
| Full Time Employees | 79 |
| Fullday Change | 23.0 |
| Fullday Change Percent | 0.0 |
| Fullday Price | 23.0 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.0 |
| Gross Profits | 14,280,000 |
| Held Percent Insiders | 0.30040002 |
| Held Percent Institutions | 0.29611 |
| Implied Shares Outstanding | 6,094,885 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Last Dividend Date | 1,741,824,000 |
| Last Dividend Value | 1.5 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. Further, it operates FitnessBank, a virtual bank which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company was founded in 1928 and is headquartered in Covington, Georgia. As of July 31, 2026, Affinity Bancshares, Inc. operates as a subsidiary of The Fidelity Bank. |
| Long Name | Affinity Bancshares Inc |
| Market Cap | 140,182,352 |
| Max Age | 86,400 |
| Message Board Id | finmb_46106250 |
| Most Recent Quarter | 1,546,214,400 |
| Net Income To Common | 1,558,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 140,182,355 |
| Open | 22.98 |
| Operating Cashflow | 1,858,000 |
| Operating Margins | 0.07202 |
| Payout Ratio | 0.0 |
| Phone | 770 786 7088 |
| Previous Close | 0.0 |
| Price Hint | 2 |
| Price To Book | 2.2515907 |
| Price To Sales Trailing12 Months | 9.816691 |
| Profit Margins | 0.1091 |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Regular Market Day High | 23.0 |
| Regular Market Day Low | 22.97 |
| Regular Market Open | 22.98 |
| Regular Market Previous Close | 0.0 |
| Regular Market Volume | 11,221 |
| Return On Assets | 0.00525 |
| Return On Equity | 0.02049 |
| Revenue Growth | 0.042 |
| Revenue Per Share | 1.897 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Shares Outstanding | 6,094,885 |
| Shares Percent Shares Out | 0.0017 |
| Shares Short | 10,574 |
| Shares Short Previous Month Date | 1,781,481,600 |
| Shares Short Prior Month | 6,441 |
| Short Name | Affinity Bancshares, Inc. |
| Short Percent Of Float | 0.0022 |
| Short Ratio | 1.08 |
| State | GA |
| Symbol | AFBI |
| Time Zone Full Name | America/New_York |
| Time Zone Short Name | EDT |
| Total Cash | 35,195,000 |
| Total Cash Per Share | 4.732 |
| Total Debt | 7,570,000 |
| Total Revenue | 14,280,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | NaN |
| Trailing Eps | 1.37 |
| Trailing P E | 16.78832 |
| Trailing Peg Ratio | None |
| Two Hundred Day Average | 21.193575 |
| Underlying Symbol | AFBI |
| Uuid | 2f9cfeb4-8c46-3bd3-abae-0aa5173d4f9b |
| Volume | 11,221 |
| Website | https://myaffinitybank.com |
| Zip | 30,014 |