Affinity Bancshares, Inc. (AFBI)
Financials · regional banks · NASDAQ
Affinity Bancshares is a community-focused bank holding company providing commercial and retail banking services to individuals and businesses.
What Affinity Bancshares, Inc. does
Affinity Bancshares, Inc. is a regional bank holding company that provides traditional banking services including loan origination, deposit gathering, and related banking products to individuals and businesses. The company operates community-focused banking operations primarily in its service areas, generating net interest income from loans and deposits as its primary revenue source. As of March 2026, the company had approximately $925 million in total assets with a loan portfolio of approximately $752 million and total deposits of approximately $734 million.
Themes: community banking, commercial lending, retail deposit gathering
Fundamentals
- Price$23.00 as of 2026-08-26 close
- Market cap$140M as of 2026-08-26
- 1-year return+19.7% 2025-08-26 close $19.22 → 2026-08-26 close $23.00
- P/E15.96 as of 2026-08-27
- Net margin+21.9% as of 2026-08-27
- ROE+6.9% as of 2026-08-27
- Debt / equity0.00 as of 2026-08-27
- Revenue growth (YoY)+25.7% as of 2026-08-27
- Beta-0.02 as of 2026-08-27
- Last reported earnings2026-04-24 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +6.3%; pays a dividend.
How AFBI compares in its sector
- price-to-earnings ratiomiddle range 523 covered Financials peers, as of 2026-08-27
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-27
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-27
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-27
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-27
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Exceeded at least one reported measure. In FY2025, AFBI's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 106%, free-cash-flow payout 78%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.
- Earnings payout106% dividends / net income
- Free-cash-flow payout78% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Affinity Bancshares, Inc. looks technically
Affinity Bancshares, Inc. (AFBI) is trading 8.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 241 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 76, with buyers in control. Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 87, in overbought territory (above 70). It made a new 20-day high about 20 trading days ago. It is trading at or near its all-time high. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move. Trading volume is unusually light — only about 0% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 8.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +8.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $22.81 | $22.81 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $21.29 | $21.29 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 50 calendar days ago — the swings before that are what the structure reading is measured on | 50 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 22.5. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 4 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 241 trading days ago — a "golden cross", a bullish long-term signal | 241 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 76, with buyers in control | 75.6 |
Momentum
2
| 14-day RSI | momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 87, in overbought territory (above 70) | 86.8 |
|---|---|---|
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 15 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $23.00 | $23.00 |
|---|---|---|
| From the 52-week high | it is trading right at its highest price of the past year (its 52-week high) | 0.0% |
| Above the 52-week low | it is 25.3% above its 52-week low (its lowest price of the past year) | +25.3% |
| Below the 52-week high | it is at or near its highest point of the past year | 0.0% |
| Since a 20-day breakout | it made a new 20-day high about 20 trading days ago | 20 sessions |
| Since a 55-day breakout | it made a new 55-day high about 20 trading days ago | 20 sessions |
| All-time high | its highest closing price on record is $23.00 (set on 2026-07-30) | $23.00 |
| Given back of the 52-week move | over the past year its closes ranged ($18.36 to $23.00), and it has given back essentially none of its rise from last year’s low — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $19.98 to $20.13. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is trading at or near its all-time high | 0.0% |
| Nearest price level | it is trading 2.3% above a support level at $22.48 — a price it turned at 8 times since 2024-11-05, most recently on 2026-07-07. Since 2024-08-26 it has 10 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.3% |
| All-time low | its lowest closing price on record is $5.92 (set on 2020-04-02) | $5.92 |
| Above the all-time low | it is 288.8% above its all-time low | +288.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 0th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.0126 between its high and its low — about 0.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.0126 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $23.00 and $23.00 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $23.00 – $23.00 – $23.00 |
| Typical daily range (% of price) | its price moves about 0.1% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 0.1% |
| Stretch from the 200-day average | it is trading 135.7 daily ranges above its 200-day average price (8.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale. Read that multiple with care: this company's daily range is unusually small (about 0.1% of its price), which is what makes the multiple large — a stock trading in a narrow band near a takeover price does this | 135.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 0% of its 30-day average | 0.00× |
|---|
Price gaps
1
| Gap at the open | it opened on 2026-08-26 at essentially the same price it closed at the session before — no meaningful overnight gap | 0.0% |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.5 percentage points (the stock gained 0.2% while the market gained 3.7%) | -3.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 0.2 percentage points (the stock gained 2.3% while the market gained 2.1%) | +0.3% |
| vs market, 6 months | over the past 6 months this stock beat the market by 5.3 percentage points (the stock gained 16.5% while the market gained 11.1%) | +5.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 0.9 percentage points (the stock gained 19.7% while the market gained 18.7%) | +0.9% |
Signal agreement
2
| Bullish technical signals | 5 of the 8 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 8 |
|---|---|---|
| Bearish technical signals | 2 of the 8 technical signals we can compute for it are currently in a bearish state: its RSI momentum gauge is overbought (a stretched reading), MACD momentum is negative — these describe past price behaviour, not a forecast | 2 of 8 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.4% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-21 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.3% of the share price, which is taken to mean a barrier that gives way easily. | +1.4% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 4% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $22.21 — a volume-weighted average of daily closes over 135 sessions, not a true tick-by-tick VWAP. | +3.6% |
|---|
Price levels it has turned at before
AFBI last closed at $23.00 on 2026-08-26. Since 2024-08-26 it has turned at 10 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $22.48 | Support | 2.3% below the last close | turned there 8 times · 2024-11-05 to 2026-07-07 |
| $21.77 | Support | 5.3% below the last close | turned there twice · 2024-09-20 to 2024-11-22 |
| $21.13 | Support | 8.2% below the last close | turned there five times · 2024-09-19 to 2026-02-17 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $22.50.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
On past moves of this shape the leg has usually ended somewhere between $21.77 and $22.50 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-26.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Overbought (14-day RSI above 70) · Near the 52-week high · in a Bollinger Band volatility squeeze · in a strong, established uptrend (ADX) · Near the all-time high | Learn: moving average · golden cross · adx · rsi · breakout · all time high · bollinger bands · volume and relative volume
Based on daily closing prices as of 2026-08-26. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Credit risk associated with the loan portfolio and the adequacy of the allowance for credit losses","Interest rate risk affecting net interest margin","Dependence on regional economic conditions"]
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
Most recent open-market transaction: 2025-08-25. As of 2026-08-27.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about AFBI's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding AFBI as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 113,926
- Reported value $2,535,998
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 0 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
AFBI had 11,147 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
AFBI had 0.18% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1 days to cover at the same settlement.
- Reported short interest (shares) 11,147
- Short interest (% of shares outstanding) 0.18%
- Prior settlement (shares) 10,574
- Reported change 5.42%
- Days to cover (reported) 1
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Ameris Bancorp (ABCB)
- Renasant Corporation (RNST)
- Synovus Financial Corp (SNV)
- SouthState Corporation (SSB)
- United Community Banks
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Affinity Bancshares, Inc. (AFBI) do?
Affinity Bancshares, Inc. is a regional bank holding company that provides traditional banking services including loan origination, deposit gathering, and related banking products to individuals and businesses. The company operates community-focused banking operations primarily in its service areas, generating net interest income from loans and deposits as its primary revenue source.
What sector is Affinity Bancshares, Inc. (AFBI) in?
Affinity Bancshares, Inc. (AFBI) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does AFBI pay a dividend?
Yes — Affinity Bancshares, Inc. (AFBI) pays a dividend, with an indicated yield of about 6.28% (market data, as of 2026-08-27). Informational only — not financial advice.
Who are Affinity Bancshares, Inc.'s (AFBI) competitors?
Notable peers of Affinity Bancshares, Inc. (AFBI) include Ameris Bancorp, Renasant Corporation, Synovus Financial Corp, SouthState Corporation and United Community Banks. This peer set is informational only — not financial advice.
Is Affinity Bancshares, Inc. (AFBI) overbought or oversold right now?
Affinity Bancshares, Inc. (AFBI) is currently in overbought territory (its 14-day RSI is 87, above 70) (as of 2026-08-26). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on AFBI come from?
Fundamentals and prices come from market data, as of 2026-08-27; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-27. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-26.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.