Affinity Bancshares (AFBI) Fundamental Analysis: Revenue, Earnings & Valuation

1.92 / 10

Underperform

Fundamentally AFBI underperforms, scoring 1.9/10. Gross profit margin and liability ratios are healthy, yet PB‑ROE, Profit‑MV and cash metrics are negative, indicating valuation and profitability concerns. The overall stance is defensive.

Analysis Checks(4/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight9.05%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight9.04%

1M Return3.70%

Profit-MV

Value0.78

Score0/3

Weight9.77%

1M Return4.03%

Net income-Revenue

Value0.17

Score0/3

Weight9.83%

1M Return3.99%

PB-ROE

Value-0.92

Score1/3

Weight11.65%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight9.05%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight9.04%

1M Return3.70%

Cash-UP

Value-0.97

Score1/3

Weight8.80%

1M Return3.24%

Asset-MV

Value-0.55

Score0/3

Weight12.09%

1M Return4.68%

Cash-MV

Value-0.98

Score1/3

Weight11.67%

1M Return4.31%

Is AFBI fundamentally strong?

AFBI scores 1.92/10 on fundamentals and holds a Premium valuation at present. Backed by its 6.51% ROE, 25.20% net margin, 16.28 P/E ratio, 1.07 P/B ratio, and 56.47% earnings growth, these metrics solidify its Underperform investment rating.