---
title: "Affinity Bancshares, Inc. (AFBI.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/AFBI.US.md"
symbol: "AFBI.US"
name: "Affinity Bancshares, Inc."
industry: "Regional Banks"
datetime: "2026-05-20T01:56:55.301Z"
locales:
  - [en](https://longbridge.com/en/quote/AFBI.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/AFBI.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/AFBI.US.md)
---

# Affinity Bancshares, Inc. (AFBI.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [myaffinitybank.com](https://myaffinitybank.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:12.000Z

**Overall: C (0.47)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 264 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 7.54% |  |
| Net Profit YoY | 47.97% |  |
| P/B Ratio | 1.06 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 136891117.10 |  |
| Revenue | 33385000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 6.98% | C |
| Profit Margin | 26.31% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 7.54% | C |
| Net Profit YoY | 47.97% | B |
| Total Assets YoY | 1.33% | C |
| Net Assets YoY | 5.88% | C |
| Cash Flow Margin | 0.00% | D |
| OCF YoY | 7.54% | C |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Affinity Bancshares, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "7.54%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "47.97%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.06",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "136891117.10",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "33385000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "6.98%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "26.31%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "7.54%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "47.97%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "1.33%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "5.88%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "0.00%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "7.54%",
          "rating": "C"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 15.58 | 216/329 | 17.68 | 16.65 | 15.39 |
| PB | 1.06 | 109/329 | 1.01 | 0.98 | 0.95 |
| PS (TTM) | 4.10 | 215/329 | 3.97 | 3.82 | 3.71 |
| Dividend Yield | 0.00% | - | 8.03% | 7.69% | 7.39% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/AFBI.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/AFBI.US/norm.md)
- [Related News](https://longbridge.com/en/quote/AFBI.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/AFBI.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**