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Affinity Bancshares

AFBI
65
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
65
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Mar 31, 2026
How the score breaks down
Bank Quality
Good
Growth
Strong
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Mixed
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Winston Score History

The full picture

Affinity Bancshares is a small community bank holding company based in Georgia. It operates through its subsidiary, Affinity Bank, which offers everyday banking services like checking and savings accounts, home loans, and business loans. Its main customers are individuals, families, and small businesses in the greater Atlanta area.

The company makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits — a model called net interest income. It also earns fees from various banking services. As a small regional bank with roughly $1 billion in assets, Affinity competes against larger national banks by focusing on local relationships and personalized service, which is its main competitive edge. The key risk it faces is rising or falling interest rates, which can squeeze the gap between what it earns on loans and what it pays depositors, directly affecting profitability.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-1.9% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+27.6% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

30.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$43M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Affinity Bancshares's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
8.3%
no trend
Below its cost of capital — 8.3%

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.56%
no trend
Wide spread — 3.56% net interest margin
Cost of running the bank
Efficiency Ratio
62.4%
no trend
Average — 62.4% efficiency ratio

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Growth

Sales growth
Sales YoY
+3.8%
Slow sales growth (+3.8% YoY)
Profit growth
EPS YoY
+51.6%
Earnings growing fast (+51.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Safety cushion
Capital Ratio
12.3%
no trend
Fortress balance sheet — 12.3% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.47%
no trend
Clean loan book — 0.47% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.06%
no trend
Minimal losses — 0.06% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
16.3x
no trend
Fair value — P/E 16.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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