What is Affinity Bancshares, Inc.'s (AFBI) StockRank?

MoatMap's StockRank for Affinity Bancshares, Inc. (AFBI) is 26/100, with a Sell signal. This is a composite score combining Quality (29), Value (25), and Momentum (61) factor ranks across MoatMap's 20,000+ stock universe.

Does Affinity Bancshares, Inc. have an economic moat?

Affinity Bancshares, Inc. (AFBI) has a Quality factor score of 29/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Affinity Bancshares, Inc. a buy, hold, or sell?

MoatMap's current signal for Affinity Bancshares, Inc. (AFBI) is Sell, based on a StockRank of 26/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Affinity Bancshares, Inc. in?

Affinity Bancshares, Inc. (AFBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

Company Deep Dive

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AFBI

SELLREMOVE

Affinity Bancshares, Inc. · Financial Services · United States · $137M · Avg Vol: $215K/d

StockRank

P/E (TTM)

16.4x

ROE

2.0%

D/E

—

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

$1.9M · 1d →

AI CONVICTION THESIS

Affinity Bancshares is a micro-cap regional bank facing net interest margin pressure in a volatile interest rate environment. It lacks scale, network effects, or any structural tailwinds from our identified macro themes.

COMPANY DESCRIPTION

Affinity Bancshares, Inc. is the holding company for Affinity Bank, a community bank serving the Atlanta, Georgia metropolitan area. The bank has carved out a profitable niche by specializing in dental practice financing and small-to-medium enterprise (SME) commercial lending. It operates a relationship-driven model, combining local market expertise with specialized lending verticals to drive high-quality asset growth.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	32.2M	29.7M	31.2M	33.1M	0.9%
EPS	1.07	1.00	0.85	1.33	7.5%
Shares	6.6M	6.4M	6.4M	6.1M	-7.7%
Debt	10.0M	40.0M	58.8M	54.0M	75.3%
Equity	117.1M	121.5M	129.1M	127.0M	2.7%
Op CF	7.6M	7.9M	6.8M	11.6M	15.4%
Inv CF	-93.7M	-28.1M	-33.2M	-1.2M	—
Fin CF	0.7M	44.0M	17.9M	2.0M	—

PRICE (1Y)+0.2%

SMA 50SMA 200

$22.51

RSI (14)

54.5

52W High

$22.53

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.5%*24.4

ROE

2.0%13.3

GP/Assets

1.6%15.0

Op. Margin

7.2%23.5

FCF/Assets

—N/A

Piotroski

796.0

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

16.4x32.8

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

2.2x20.1

P/S

9.6x15.0

Div Yield

—N/A

Momentum

52W High %

100%99.3

RS 6M

-3%59.4

SMA 50/200

1.09x74.8

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$137M

P/E (Forward)

—

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AFBI are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
AFBI	Affinity Bancshares, Inc.(you)	$137M	26	SELL
FNWD	Finward Bancorp	$146M	24	SELL
RVSB	Riverview Bancorp, Inc.	$114M	26	SELL
FUSB	First US Bancshares, Inc.	$92M	26	SELL
SFBC	Sound Financial Bancorp, Inc.	$103M	24	SELL
FGBI	First Guaranty Bancshares, Inc.	$176M	31	SELL
HNVR	Hanover Bancorp, Inc.	$167M	33	SELL
FNWB	First Northwest Bancorp	$91M	23	SELL
FBLA	FB Bancorp, Inc.	$235M	27	SELL
HYNE	Hoyne Bancorp, Inc.	$124M	13	STRONG SELL

Peer medians: ROE 10.7% · P/E 13.5x · Gross margin 0.0%

Affinity Bancshares, Inc. (AFBI) — Stock Score Summary

Affinity Bancshares, Inc. (AFBI) has a MoatMap StockRank of 26/100 based on Quality (29/100), Value (25/100), and Momentum (61/100) factor scores. The current signal is SELL. Affinity Bancshares is a micro-cap regional bank facing net interest margin pressure in a volatile interest rate environment. It lacks scale, network effects, or any structural tailwinds from our identified macro themes.

Key Financial Metrics

Price	$22.51
Market Cap	$137M
P/E (TTM)	16.43
Price/Book	2.20
Return on Equity	2.0%
Gross Margin	0.0%
Operating Margin	7.2%
Revenue Growth	4.2%

Affinity Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Affinity Bancshares, Inc.’s (AFBI) StockRank?: MoatMap’s StockRank for Affinity Bancshares, Inc. (AFBI) is 26/100, with a Sell signal. It is a composite of Quality (29), Value (25), and Momentum (61) factor ranks across MoatMap’s 20,000+ stock universe.
Does Affinity Bancshares, Inc. have an economic moat?: Affinity Bancshares, Inc. (AFBI) has a Quality factor score of 29/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Affinity Bancshares, Inc. a buy, hold, or sell?: MoatMap’s current signal for Affinity Bancshares, Inc. (AFBI) is Sell, based on a StockRank of 26/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Affinity Bancshares, Inc. in?: Affinity Bancshares, Inc. (AFBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).