Affinity Bancshares Net Income
| AFBI Stock | USD 20.63 0.13 0.63% |
As of the 11th of February 2026, Affinity Bancshares shows the risk adjusted performance of 0.079, and Mean Deviation of 1.12. Affinity Bancshares technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Affinity Bancshares Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 5.413 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 6.3 M | 3.8 M | |
| Net Income Applicable To Common Shares | 8.2 M | 4.3 M | |
| Net Income From Continuing Ops | 6.3 M | 5.5 M | |
| Net Income Per Share | 1.36 | 1.43 | |
| Net Income Per E B T | 0.74 | 0.58 |
Affinity | Net Income | Build AI portfolio with Affinity Stock |
The Net Income trend for Affinity Bancshares offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Affinity Bancshares is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Affinity Bancshares' Net Income Growth Pattern
Below is the plot of the Net Income of Affinity Bancshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Affinity Bancshares financial statement analysis. It represents the amount of money remaining after all of Affinity Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Affinity Bancshares' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Affinity Bancshares' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 5.44 M | 10 Years Trend |
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Net Income |
| Timeline |
Affinity Net Income Regression Statistics
| Arithmetic Mean | 3,254,276 | |
| Geometric Mean | 2,244,666 | |
| Coefficient Of Variation | 82.73 | |
| Mean Deviation | 2,317,534 | |
| Median | 1,614,000 | |
| Standard Deviation | 2,692,318 | |
| Sample Variance | 7.2T | |
| Range | 8M | |
| R-Value | 0.73 | |
| Mean Square Error | 3.6T | |
| R-Squared | 0.53 | |
| Significance | 0.0009 | |
| Slope | 388,303 | |
| Total Sum of Squares | 116T |
Affinity Net Income History
Other Fundumenentals of Affinity Bancshares
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Affinity Bancshares Net Income component correlations
Affinity Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Affinity Bancshares is extremely important. It helps to project a fair market value of Affinity Stock properly, considering its historical fundamentals such as Net Income. Since Affinity Bancshares' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Affinity Bancshares' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Affinity Bancshares' interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will Affinity introduce new products? Factors like these will boost the valuation of Affinity Bancshares. If investors know Affinity will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about Affinity Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.574 | Earnings Share 1.29 | Revenue Per Share | Quarterly Revenue Growth 0.156 | Return On Assets |
Affinity Bancshares's market price often diverges from its book value, the accounting figure shown on Affinity's balance sheet. Smart investors calculate Affinity Bancshares' intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Since Affinity Bancshares' trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Affinity Bancshares' value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Affinity Bancshares represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Affinity Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Affinity Bancshares 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Affinity Bancshares' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Affinity Bancshares.
| 11/13/2025 |
| 02/11/2026 |
If you would invest 0.00 in Affinity Bancshares on November 13, 2025 and sell it all today you would earn a total of 0.00 from holding Affinity Bancshares or generate 0.0% return on investment in Affinity Bancshares over 90 days. Affinity Bancshares is related to or competes with Sound Financial, SB Financial, Lake Shore, SR Bancorp, Patriot National, Magyar Bancorp, and Richmond Mutual. Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and s... More
Affinity Bancshares Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Affinity Bancshares' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Affinity Bancshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.54 | |||
| Information Ratio | 0.0382 | |||
| Maximum Drawdown | 13.88 | |||
| Value At Risk | (2.06) | |||
| Potential Upside | 2.12 |
Affinity Bancshares Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Affinity Bancshares' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Affinity Bancshares' standard deviation. In reality, there are many statistical measures that can use Affinity Bancshares historical prices to predict the future Affinity Bancshares' volatility.| Risk Adjusted Performance | 0.079 | |||
| Jensen Alpha | 0.1171 | |||
| Total Risk Alpha | (0.03) | |||
| Sortino Ratio | 0.0427 | |||
| Treynor Ratio | 0.3918 |
Affinity Bancshares February 11, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.079 | |||
| Market Risk Adjusted Performance | 0.4018 | |||
| Mean Deviation | 1.12 | |||
| Semi Deviation | 1.25 | |||
| Downside Deviation | 1.54 | |||
| Coefficient Of Variation | 1086.42 | |||
| Standard Deviation | 1.72 | |||
| Variance | 2.96 | |||
| Information Ratio | 0.0382 | |||
| Jensen Alpha | 0.1171 | |||
| Total Risk Alpha | (0.03) | |||
| Sortino Ratio | 0.0427 | |||
| Treynor Ratio | 0.3918 | |||
| Maximum Drawdown | 13.88 | |||
| Value At Risk | (2.06) | |||
| Potential Upside | 2.12 | |||
| Downside Variance | 2.37 | |||
| Semi Variance | 1.57 | |||
| Expected Short fall | (1.26) | |||
| Skewness | 1.57 | |||
| Kurtosis | 9.9 |
Affinity Bancshares Backtested Returns
Affinity Bancshares is very steady at the moment. Affinity Bancshares secures Sharpe Ratio (or Efficiency) of 0.0743, which signifies that the company had a 0.0743 % return per unit of standard deviation over the last 3 months. We have found twenty-nine technical indicators for Affinity Bancshares, which you can use to evaluate the volatility of the firm. Please confirm Affinity Bancshares' risk adjusted performance of 0.079, and Mean Deviation of 1.12 to double-check if the risk estimate we provide is consistent with the expected return of 0.13%. Affinity Bancshares has a performance score of 5 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.38, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Affinity Bancshares' returns are expected to increase less than the market. However, during the bear market, the loss of holding Affinity Bancshares is expected to be smaller as well. Affinity Bancshares right now shows a risk of 1.76%. Please confirm Affinity Bancshares treynor ratio, expected short fall, and the relationship between the jensen alpha and potential upside , to decide if Affinity Bancshares will be following its price patterns.
Auto-correlation | 0.06 |
Virtually no predictability
Affinity Bancshares has virtually no predictability. Overlapping area represents the amount of predictability between Affinity Bancshares time series from 13th of November 2025 to 28th of December 2025 and 28th of December 2025 to 11th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Affinity Bancshares price movement. The serial correlation of 0.06 indicates that barely 6.0% of current Affinity Bancshares price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.06 | |
| Spearman Rank Test | -0.13 | |
| Residual Average | 0.0 | |
| Price Variance | 0.04 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Affinity Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Affinity Bancshares reported net income of 5.44 M. This is 99.57% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.05% higher than that of the company.
Affinity Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Affinity Bancshares' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Affinity Bancshares could also be used in its relative valuation, which is a method of valuing Affinity Bancshares by comparing valuation metrics of similar companies.Affinity Bancshares is currently under evaluation in net income category among its peers.
Affinity Bancshares ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Affinity Bancshares' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Affinity Bancshares' managers, analysts, and investors.Environmental | Governance | Social |
Affinity Bancshares Institutional Holders
Institutional Holdings refers to the ownership stake in Affinity Bancshares that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Affinity Bancshares' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Affinity Bancshares' value.| Shares | Susquehanna International Group, Llp | 2025-06-30 | 21.5 K | Wells Fargo & Co | 2025-06-30 | 21.3 K | Northern Trust Corp | 2025-06-30 | 20.2 K | Salzhauer Michael | 2025-06-30 | 15 K | Citadel Advisors Llc | 2025-06-30 | 12.5 K | Jane Street Group Llc | 2025-06-30 | 12.4 K | Covestor Ltd | 2025-06-30 | 2.4 K | Ubs Group Ag | 2025-06-30 | 864 | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 257 | Alliancebernstein L.p. | 2025-06-30 | 366.4 K | Vanguard Group Inc | 2025-06-30 | 340.7 K |
Affinity Fundamentals
| Return On Equity | 0.0651 | ||||
| Return On Asset | 0.0095 | ||||
| Profit Margin | 0.25 % | ||||
| Operating Margin | 0.36 % | ||||
| Current Valuation | 125.11 M | ||||
| Shares Outstanding | 6.1 M | ||||
| Shares Owned By Insiders | 30.15 % | ||||
| Shares Owned By Institutions | 25.17 % | ||||
| Number Of Shares Shorted | 5.51 K | ||||
| Price To Earning | 13.04 X | ||||
| Price To Book | 0.98 X | ||||
| Price To Sales | 3.84 X | ||||
| Revenue | 52.93 M | ||||
| Gross Profit | 32.94 M | ||||
| EBITDA | 11.24 M | ||||
| Net Income | 5.44 M | ||||
| Cash And Equivalents | 55.4 M | ||||
| Cash Per Share | 8.30 X | ||||
| Total Debt | 54 M | ||||
| Book Value Per Share | 20.84 X | ||||
| Cash Flow From Operations | 6.79 M | ||||
| Short Ratio | 2.01 X | ||||
| Earnings Per Share | 1.29 X | ||||
| Number Of Employees | 88 | ||||
| Beta | 0.28 | ||||
| Market Capitalization | 126.44 M | ||||
| Total Asset | 881.7 M | ||||
| Retained Earnings | 76.11 M | ||||
| Annual Yield | 0.08 % | ||||
| Net Asset | 881.7 M |
About Affinity Bancshares Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Affinity Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Affinity Bancshares using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Affinity Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Check out For more detail on how to invest in Affinity Stock please use our How to Invest in Affinity Bancshares guide.You can also try the Portfolio Manager module to state of the art Portfolio Manager to monitor and improve performance of your invested capital.
Is there potential for Regional Banks market expansion? Will Affinity introduce new products? Factors like these will boost the valuation of Affinity Bancshares. If investors know Affinity will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about Affinity Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.574 | Earnings Share 1.29 | Revenue Per Share | Quarterly Revenue Growth 0.156 | Return On Assets |
Affinity Bancshares's market price often diverges from its book value, the accounting figure shown on Affinity's balance sheet. Smart investors calculate Affinity Bancshares' intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Since Affinity Bancshares' trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Affinity Bancshares' value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Affinity Bancshares represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Affinity Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.