Affinity Bancshares, Inc.· AFBI

🇺🇸 US · MicroBroad USNASDAQ

Financial ServicesBanks - RegionalWebsite

Price: $23.00
Day: 0.00%
Mkt Cap: $140.18M
52W Range: $18.35 – $23.00
Volume: 11.2K
Beta: -0.04

D25D FrameworkTTM Data

Peer Comparison

Performance vs sector and industry peers across 40 metrics.

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Affinity Bancshares, Inc.

AFBI|Financial Services|Banks - Regional

Comparing against 116 sector peers in United States · Micro Cap · Financial Services

Peer Comparison

Dimension 2 of 5

Revenue Growth

49%ile

3.8%

Operating Margin

58%ile

21.4%

ROIC

94%ile

13.2%

FCF Yield

66%ile

9.9%

Growth & Cash Flow Quality

Percentile ranking across profitability growth and cash generation

EBITDA Growth

42.9%

EBIT Growth

47.9%

Net Income Growth

48.0%

OCF Growth

88.6%

FCF Growth

95.9%

Income Quality

1.61

Returns on Capital (TTM)

ROE(7.0%)

37%ile

Below Avg

PoorWeakAdequateStrongExceptional

ROCE(1.2%)

39%ile

Below Avg

PoorWeakAdequateStrongExceptional

ROA(0.9%)

45%ile

Average

PoorWeakAdequateStrongExceptional

ROIC(13.2%)

94%ile

Top 20%

PoorWeakAdequateStrongExceptional

Profit Margins (TTM)

Gross Margin(62.1%)

42%ile

Average

PoorWeakAdequateStrongExceptional

EBITDA Margin(22.8%)

57%ile

Average

PoorWeakAdequateStrongExceptional

Operating Margin(21.4%)

58%ile

Average

PoorWeakAdequateStrongExceptional

Net Margin(16.7%)

54%ile

Average

PoorWeakAdequateStrongExceptional

Leverage & Coverage (TTM)

Debt/Equity

50%ile

0.42

Debt/Capital

50%ile

0.29

Net Debt/EBITDA

48%ile

4.04

Interest Coverage

53%ile

0.57x

Liquidity (TTM)

Current Ratio

81%ile

4.28

Quick Ratio

81%ile

4.28

Cash Ratio

73%ile

0.56

WC Turnover

12%ile

-0.36

Operational Efficiency (TTM)

Asset Turnover

50%ile

0.06

DSO

81%ile

0.00

Days Inventory

51%ile

0.00

Cash Conv. Cycle

80%ile

0.00

TTM: Trailing Twelve Months · EBITDA: Earnings Before Interest, Taxes, Depreciation & Amortization · EBIT: Earnings Before Interest & Taxes · ROA: Return on Assets · ROIC: Return on Invested Capital · ROCE: Return on Capital Employed · ROE: Return on Equity · OCF: Operating Cash Flow · FCF: Free Cash Flow · DSO: Days Sales Outstanding · WC: Working Capital

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The full 5D Framework: Business Quality · Peer Comparison · Valuation · Analyst Sentiment · Smart Money

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Generated August 5, 2026

For educational purposes only. Not financial advice. Data may be delayed or incomplete.

116 sector peers (United States · Micro Cap · Financial Services)

Relative Quality

AFBI Relative Quality Score

Ranked against 116 sector peers in United States · Micro Cap · Financial Services

Relative Quality

3.3/5

Adequate

vs 116 sector peers

Peer Rankings (10 of 10 available)

Relative Quality Score of 3.33/5 (Adequate) based on percentile rankings against 116 sector peers in United States · Micro Cap · Financial Services. Each pillar shows a 1-5 score plus the cohort percentile (e.g. 95p = top 5%); higher percentiles indicate stronger relative performance.Last updated August 5, 2026.

Top-Line and Profit Growth

How does the company's growth rate compare to peers?

Revenue Growth

49th percentile, Adequate

Value: 3.80%
Percentile: 49%
Score: 3/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm revenue growth of 3.80% and ranks at the 49th percentile vs United States · Financial Services sector peers. Adequate financial performance.

Margin Efficiency

Does the company maintain better profit margins than peers?

Gross Margin

42nd percentile, Adequate

Value: 62.12%
Percentile: 42%
Score: 3/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm gross margin of 62.12% and ranks at the 42nd percentile vs United States · Financial Services sector peers. Adequate financial performance.

Operational Efficiency

Is the company more operationally efficient than competitors?

Asset Turnover

50th percentile, Adequate

Value: 0.06
Percentile: 50%
Score: 3/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm asset turnover of 0.06 and ranks at the 50th percentile vs United States · Financial Services sector peers. Adequate financial performance.

Returns Overview

Does the company generate better returns on capital than peers?

ROA

45th percentile, Adequate

Value: 0.95%
Percentile: 45%
Score: 3/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm roa of 0.95% and ranks at the 45th percentile vs United States · Financial Services sector peers. Adequate financial performance.

Cash Flow Quality

How does the company's cash generation compare to peers?

Operating Cash Flow Growth

86th percentile, Exceptional

Value: 88.57%
Percentile: 86%
Score: 5/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm operating cash flow growth of 88.57% and ranks at the 86th percentile vs United States · Financial Services sector peers. Top-tier financial performance.

Liquidity and Working Capital

Does the company maintain better liquidity positions than competitors?

Cash Ratio

73rd percentile, Strong

Value: 0.56
Percentile: 73%
Score: 4/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm cash ratio of 0.56 and ranks at the 73rd percentile vs United States · Financial Services sector peers. Strong financial performance.

Leverage and Coverage

Is the company's debt burden more manageable than peers?

Debt to Capital

50th percentile, Adequate

Value: 0.29
Percentile: 50%
Score: 3/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm debt-to-capital of 0.29 and ranks at the 50th percentile vs United States · Financial Services sector peers. Adequate financial performance.

Valuation Multiples

Is the company's stock valuation attractive relative to peers?

P / E Ratio

20th percentile, Weak

Value: 16.31
Percentile: 20%
Score: 2/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm p/e ratio of 16.31 and ranks at the 20th percentile vs United States · Financial Services sector peers. Below average financial performance.

Dividend and Shareholder Yield

Does the company deliver superior income to shareholders compared to peers?

Dividend Yield

10th percentile, Poor

Value: 0.00%
Percentile: 10%
Score: 1/5

PoorWeakAdequateStrongExceptional

Analysis

AFBI has a ttm dividend yield of 0.00% and ranks at the 10th percentile vs United States · Financial Services sector peers. Poor financial performance.

Peer companies

The 116 companies AFBI is compared against across its sector and industry cohorts.

Affinity Bancshares, Inc.· AFBI

Peer Comparison

Top-Line and Profit Growth

Per-Share Fundamentals

Margin Efficiency

Operational Efficiency

Returns Overview

Cash Flow Quality

Liquidity and Working Capital

Leverage and Coverage

Valuation Multiples

Dividend and Shareholder Yield

Peer companies

Search stocks

Peer Comparison

Top-Line and Profit Growth

Per-Share Fundamentals

Margin Efficiency

Operational Efficiency

Returns Overview

Cash Flow Quality

Liquidity and Working Capital

Leverage and Coverage

Valuation Multiples

Dividend and Shareholder Yield

Peer companies