Affinity Bancshares: Margin Tailwinds, Valuation Headwinds [Seeking Alpha]
Affinity Bancshares, Inc. (AFBI)
Company Research
Source: Seeking Alpha
I maintain a neutral/hold rating on AFBI, citing overvaluation, versus peers, and subdued forward growth prospects. AFBI's loan portfolio remains resilient, with non-performing loans declining, despite high commercial real estate exposure. Forward EPS growth is modest, driven mainly by share count reduction, while deposit volatility and premium valuation warrant caution. Brian Logan/iStock Editorial via Getty Images Investment Thesis Affinity Bancshares ( AFBI ) reported strong FY'25 results, with Diluted EPS standing at $1.29/share, up 55% YoY on the back of improved cost structure, higher Net Interest Income "NII", and to a lesser extent, loan portfolio growth. My view is This article was written by Analyst's Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compen
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AFBI
News
- Here's Why We Think Affinity Bancshares (NASDAQ:AFBI) Is Well Worth Watching [Yahoo! Finance]Yahoo! Finance
- Affinity Bancshares, Inc. Announces Fourth Quarter 2025 Financial ResultsBusiness Wire
- Affinity Bancshares approves share buyback program [Seeking Alpha]Seeking Alpha
- Affinity Bancshares, Inc. Adopts Stock Repurchase ProgramBusiness Wire
- Institutions own 23% of Affinity Bancshares, Inc. (NASDAQ:AFBI) shares but retail investors control 48% of the company [Yahoo! Finance]Yahoo! Finance
AFBI
Sec Filings
- 1/23/26 - Form 8-K
- 1/23/26 - Form 3
- 1/7/26 - Form 8-K
- AFBI's page on the SEC website