AFBI(Delisted)
Stock Fundamental
Valuation7.8/10
BullishKey Valuation Metric
PE Method: AFBI's market cap is approximately 140.18M with TTM earnings of 878.50M, corresponding to a PE ratio of 16.0. Compared to the Banks Ⅲ industry average, this valuation may be reasonable.
PS Method: AFBI's market cap is approximately 140.18M with a PS ratio of 4.2. Compared to the Banks Ⅲ industry average, this valuation may be reasonable.
PEG Method: With a PE of 16.0 and forward PE of 16.0, the PEG ratio comes to 1.00, indicating a reasonable valuation.
Historical Price to Earnings Ratio
Historical data shows that AFBI's P/E reached a peak of about 25.71 on 2024-12-19, and a trough of about 12.54 on 2023-08-08. The current P/E is 15.96, which places it at approximately the 26% percentile of its historical range, indicating a relatively reasonable valuation.
Share Price vs Future Cash Flow Value
AFBI's current stock price is about $23.00, while its Discounted Cash Flow valuation is about $23.59. Based on the Discounted Cash Flow model, the market price represents a price close to its intrinsic value.
Future Growth6.2/10
NeutralEarnings and Revenue Growth Forecasts
AFBI's Earnings moved from about 1.03M (2024) to about 2.28M (2026) in recent actuals. Analyst forecasts include about 2.74M, 2.90M, and 3.06M for the next forecast periods, implying an overall 3-year CAGR of roughly 10.3% versus the latest actual—indicating an upward trend in Earnings..
Future Return on Equity
Analysts predict AFBI's future return on equity (Future ROE) will be about 2.1% over the next three years, lower than the Banks Ⅲ industry average of 4.0%, indicating its backward position in capital profitability. A higher Future ROE generally reflects stronger expected profitability on shareholder equity, subject to business risk and accounting differences.
Past Performance6.4/10
NeutralRevenue & Expenses Breakdown
No data for this period type
No annual (FY) periods in this dataset. Try Quarterly for interim data.
Earnings & Revenue
No earnings data
Free Cash Flow vs Earnings Analysis
AFBI's net income is about 3.06M, while free cash flow is about 5.14M, representing a FCF/Earnings ratio of 167.8%. The conversion from earnings to free cash flow is efficient, indicating strong cash generation relative to book earnings.
Financial Health4.7/10
NeutralDebt to Equity History and Analysis
In 2026-03, total liabilities (Debt) are about 795.21M; total equity (Equity) is about 129.46M. These figures come from the financial health diagnose series (debt / equity). They describe capital structure, not operating earnings.
Balance Sheet
No balance sheet snapshot
Dividends4.0/10
NeutralStability and Growth of Payments
AFBI is not paying a notable dividend in the U.S. market context; detailed stability and growth checks are less relevant until distributions become material.
Dividend Yield vs Market
AFBI's current dividend yield is 0.00%, while the Banks Ⅲ industry average is around 2.86%. The top 25% of companies in the entire US market have a dividend yield of 3.63%, while the bottom 25% have a yield of 1.99%. In comparison, AFBI is clearly at the bottom of the industry.
Earnings Payout to Shareholders
Earnings coverage: AFBI is not paying a notable dividend for the US market.
Cash Payout to Shareholders
Cash flow coverage: AFBI is not paying a notable dividend for the US market.
- Based on a composite score of 5.52/10, we rate AFBI as a Netural. Our analysis breaks down into 1.99/10 for Fundamentals, 4.42/10 for Technicals, and 6.43/10 for Sentiment, indicating the stock is likely to consolidate sideways.
- Based on a composite score of 5.52/10, we rate AFBI as a Netural. Our analysis breaks down into 1.99/10 for Fundamentals, 4.42/10 for Technicals, and 6.43/10 for Sentiment, indicating the stock is likely to consolidate sideways.
