Affinity Bancshares, Inc. (AFBI)
Banks - Regional · Financial Services · $137M
Intrinsic Value (Consensus)
$22.74
Current Price
$22.51
Margin of Safety
+1%
1% Below Intrinsic Value
Value: $23
Price: $23
Valuation Model Estimates
Current Price: $22.51
DCF (Discounted Cash Flow)
$76.52
Graham Number
$25.41
Earnings Power Value
$18.86
Relative Value (P/E)
$23.96
Dividend Discount Model
Not applicable
—
Consensus Value
$22.74
Model Assumptions
Discount Rate
10.3%
Growth Rate
17.4%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
58
Profitability
15/25
Strength
18/25
Valuation
15/25
Growth
10/25
Financial Health Signals
Strong earnings growth (17% YoY)
High free cash flow yield (8.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.38
- EPS (Forward)
- $1.62
- Book Value
- $20.84
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 6.6%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 17.4%
- Dividend Yield
- N/A
- Beta
- 0.17
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Data last updated: 2026-06-21
Source: Yahoo Finance