Affinity Bancshares Valuation
| AFBI Stock | USD 21.44 0.06 0.28% |
At this time, the firm appears to be overvalued. Affinity Bancshares shows a prevailing Real Value of $19.38 per share. The current price of the firm is $21.44. Our model approximates the value of Affinity Bancshares from analyzing the firm fundamentals such as return on equity of 0.0454, and Profit Margin of 0.18 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Affinity Bancshares' valuation include:
Price Book 1.0739 | Enterprise Value 144.4 M | Price Sales 4.5053 | Trailing PE 25.2941 | Enterprise Value Revenue 6.3651 |
Overvalued
Today
Please note that Affinity Bancshares' price fluctuation is very steady at this time. Calculation of the real value of Affinity Bancshares is based on 3 months time horizon. Increasing Affinity Bancshares' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Affinity Bancshares is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Affinity Stock. However, Affinity Bancshares' intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 21.44 | Real 19.38 | Hype 21.5 | Naive 21.43 |
The intrinsic value of Affinity Bancshares' stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Affinity Bancshares' stock price.
Estimating the potential upside or downside of Affinity Bancshares helps investors to forecast how Affinity stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Affinity Bancshares more accurately as focusing exclusively on Affinity Bancshares' fundamentals will not take into account other important factors: When choosing an evaluation method for Affinity Bancshares, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Affinity Bancshares Cash |
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Affinity Valuation Trend
Affinity Bancshares' real value analysis enables investors to forecast the earnings more efficiently. Using both Affinity Bancshares' enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing decisions.
Affinity Bancshares Total Value Analysis
Affinity Bancshares is presently forecasted to have valuation of 144.38 M with market capitalization of 137.87 M, debt of 40 M, and cash on hands of 55.4 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Affinity Bancshares fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
144.38 M | 137.87 M | 40 M | 55.4 M |
Affinity Bancshares Investor Information
About 29.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.07. Some equities with similar Price to Book (P/B) outperform the market in the long run. Affinity Bancshares had not issued any dividends in recent years. The entity had 1441:1589 split on the 21st of January 2021. Based on the key indicators related to Affinity Bancshares' liquidity, profitability, solvency, and operating efficiency, Affinity Bancshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.16 | 0.2824 |
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| Total Cash From Operating Activities | 5.9 M | 7.9 M |
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| Operating Income | 7.5 M | 8.4 M |
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Affinity Bancshares Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Affinity signifies not a very effective usage of assets in November.Affinity Bancshares Ownership Allocation
The market capitalization of Affinity Bancshares is $137.87 Million. Affinity Bancshares retains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.Affinity Bancshares Profitability Analysis
The company reported the previous year's revenue of 45.17 M. Net Income was 6.45 M with profit before overhead, payroll, taxes, and interest of 31.45 M.About Affinity Bancshares Valuation
An absolute valuation paradigm, as applied to Affinity Stock, attempts to find the value of Affinity Bancshares based on its fundamental and basic technical indicators. By analyzing Affinity Bancshares's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Affinity Bancshares's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Affinity Bancshares. We calculate exposure to Affinity Bancshares's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Affinity Bancshares's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 45.2 M | 33.2 M | |
| Pretax Profit Margin | 0.28 | 0.15 | |
| Operating Profit Margin | 0.28 | 0.16 | |
| Net Profit Margin | 0.22 | 0.23 |
Affinity Bancshares Quarterly Retained Earnings |
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Affinity Bancshares Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 6.6 M | |
| Quarterly Earnings Growth Y O Y | 0.04 |
Affinity Bancshares Current Valuation Indicators
Valuation refers to the process of determining the present value of Affinity Bancshares and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Affinity we look at many different elements of the entity such as Affinity's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Affinity Bancshares, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Affinity Bancshares' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Affinity Bancshares' worth.Complementary Tools for Affinity Stock analysis
When running Affinity Bancshares' price analysis, check to measure Affinity Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Affinity Bancshares is operating at the current time. Most of Affinity Bancshares' value examination focuses on studying past and present price action to predict the probability of Affinity Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Affinity Bancshares' price. Additionally, you may evaluate how the addition of Affinity Bancshares to your portfolios can decrease your overall portfolio volatility.
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