Affinity Bancshares, Inc.
AFBIFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 22, 2026
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Daily timeframeAffinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. Valued at $139.1M, AFBI is a micro-cap name in its sector. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards.
Market Cap
$139.1M
Beta
-0.04
P/E (TTM)
16.66
P/E (Fwd)
—
EPS (TTM)
$1.37
EPS (Fwd)
—
ROE
2.1%
ROA
0.5%
Cash
$35.2M
Total Debt
$7.6M
Free CF
—
52W Change
21.6%
Annual Financials
Cash vs Debt
Where AFBI stands vs its 150-day and 200-day moving averages
As of the July 15, 2026 close, AFBI finished 6.39% above its 150-day moving average ($21.29) and 9.10% above its 200-day moving average ($20.76). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is AFBI overbought or oversold?
At the July 15, 2026 close, AFBI's RSI(14) was 67.7, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Affinity Bancshares, Inc. holds $35.2M in cash against $7.6M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 2.1%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.5% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $32.2M (2022) to $33.1M (2025).
The relatively low beta of -0.04 suggests AFBI is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Affinity Bancshares, Inc. and its sector.