Affinity Bancshares, Inc. cash flow to debt ratio of 21.56% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Affinity Bancshares, Inc.'s free cash flow has increased 76.13% from $6.37M last year to $11.22M, signaling increasing performance

Affinity Bancshares, Inc.'s debt to equity ratio is 0.42, which means that the company's assets are healthy financed, signaling financial stability.

Affinity Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.46 last year to 0.42 today, signaling strengthened financials

Affinity Bancshares, Inc. has a net cash position, so leverage is healthy.

Affinity Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Affinity Bancshares, Inc.'s profit margin has increased (53.18%) in the last year from 10.88% to 16.67%, signaling increasing performance

Affinity Bancshares, Inc.'s short-term liabilities of $695.00M exceed its short-term assets of $71.04M, signaling financial risk

Affinity Bancshares, Inc.'s return on assets of 0.95% is lower than the 5.00% threshold, indicating inefficient asset utilization

Affinity Bancshares, Inc.'s return on equity of 6.95%, is lower than 15.00%, indicating bad performance

Affinity Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Affinity Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Affinity Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Affinity Bancshares, Inc. has a free cash flow yield of 8.00%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Affinity Bancshares, Inc.'s yearly earnings has increased 53.15% since last year from $5.44M to $8.33M, signaling increasing performance

Affinity Bancshares, Inc.'s yearly revenue has increased 2.04% since last year from $49.99M to $51.01M, signaling increasing performance

ROIC 13.19% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Affinity Bancshares, Inc.'s 3-year revenue CAGR of 15.30% is positive, indicating growing revenue over the past 3 years

Affinity Bancshares, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Affinity Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Affinity Bancshares, Inc. is undervalued relative to its fair value price of 24.95 based on Discounted Cash Flow model

Affinity Bancshares, Inc. has an earnings yield of 6.27%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Affinity Bancshares, Inc. is overvalued relative to its fair value price of 5.19 based on EBITDA multiple model

Affinity Bancshares, Inc. has an EV/EBITDA ratio of 10.30x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Affinity Bancshares, Inc. is undervalued relative to its fair value price of 33.30 based on Earnings Fair Value model

Affinity Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued

Affinity Bancshares, Inc. has a price-to-book ratio of 1.08x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Affinity Bancshares, Inc. has a price-to-sales ratio of 2.66x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue