Financial Snapshot

Revenue
$35.75M
TTM
Gross Margin
Net Earnings
$5.610M
TTM
Current Assets
Current Liabilities
$7.600M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$128.4M
Q3 2024
Cash
Q3 2024
P/E
24.76
Nov 29, 2024 EST
Free Cash Flow
$7.161M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue $42.70M $32.13M $32.45M $30.63M
YoY Change 32.88% -0.98% 5.94%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue $42.70M $32.13M $32.45M $30.63M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $980.0K $905.0K $950.0K $957.0K $756.0K $910.0K $530.0K $310.0K $300.0K
YoY Change 8.29% -4.74% -0.73% 26.59% -16.92% 71.7% 70.97% 3.33%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Interest Expense $15.50M $2.379M $3.177M $5.490M $2.312M
YoY Change 551.62% -25.12% -42.13% 137.46%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Pretax Income $8.388M $9.327M $9.911M $3.880M $326.0K $1.650M $2.070M $1.850M $2.490M
YoY Change -10.07% -5.89% 155.44% 1090.18% -80.24% -20.29% 11.89% -25.7% -25.0%
Income Tax $1.940M $2.193M $2.338M $792.0K -$29.00K $320.0K $710.0K $700.0K $880.0K
% Of Pretax Income 23.13% 23.51% 23.59% 20.41% -8.9% 19.39% 34.3% 37.84% 35.34%
Net Earnings $6.448M $7.134M $7.573M $3.088M $355.0K $450.0K $1.370M $1.160M $1.610M
YoY Change -9.62% -5.8% 145.24% 769.86% -21.11% -67.15% 18.1% -27.95% -80.48%
Net Earnings / Revenue 15.1% 22.2% 23.34% 10.08%
Basic Earnings Per Share $1.00 $1.07 $1.10 $0.41
Diluted Earnings Per Share $0.98 $1.06 $1.09 $0.41 $47.87K $59.68K $181.7K $153.8K $213.5K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $3.797M $4.257M $3.800M $8.600M $8.500M $9.000M $8.500M $4.600M $4.300M
YoY Change -10.81% 12.03% -55.81% 1.18% -5.56% 5.88% 84.78% 6.98%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $843.3M $791.3M $788.1M $850.6M $319.3M $306.0M $277.8M $232.8M $226.3M
YoY Change
Accounts Payable $7.299M $6.983M $3.300M $4.700M $3.900M $5.600M $6.400M $6.100M $5.700M
YoY Change 4.53% 111.61% -29.79% 20.51% -30.36% -12.5% 4.92% 7.02%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $7.299M $6.983M $3.300M $4.700M $3.900M $5.600M $6.400M $6.100M $5.700M
YoY Change 4.53% 111.61% -29.79% 20.51% -30.36% -12.5% 4.92% 7.02%
Long-Term Debt $0.00 $0.00 $0.00 $105.8M $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00 $0.00 $105.8M $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0%
Total Liabilities $721.7M $674.2M $667.1M $769.8M $242.1M $229.6M $201.0M $187.8M $182.4M
YoY Change 7.05% 1.06% -13.34% 217.97% 5.44% 14.23% 7.03% 2.96%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Basic Shares Outstanding 6.477M 6.669M 6.873M
Diluted Shares Outstanding 6.557M 6.762M 6.696M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $138.89 Million

About Affinity Bancshares, Inc.

Affinity Bancshares, Inc. is a holding company, which engages in the savings and loan business. The company is headquartered in Covington, Georgia and currently employs 91 full-time employees. The company went IPO on 2017-04-28. The firm's business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial real estate loans, commercial and industrial loans and residential real estate loans and, to a lesser extent, construction and land loans and consumer loans. The company makes commercial and industrial loans, primarily in its market area, to a variety of professionals, sole proprietorships and small businesses, including dental loans, which are originated throughout the Southeastern United States. The company offers a variety of deposit accounts, including checking accounts, savings accounts and certificate of deposit accounts. The company gathers deposits nationwide through its virtual bank, FitnessBank, which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company offers a limited range of consumer loans.

Industry: Savings Institutions, Not Federally Chartered Peers: COMMUNITY BANCORP /VT JD BANCSHARES INC PNC FINANCIAL SERVICES GROUP, INC. QNB CORP UNION BANKSHARES INC UNITED BANCORP INC /OH/