Affinity Bancshares Inc (AFBI) - Net Assets
Based on the latest financial reports, Affinity Bancshares Inc (AFBI) has net assets worth $127.02 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($881.70 Million) and total liabilities ($754.68 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check AFBI financial resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $127.02 Million |
| % of Total Assets | 14.41% |
| Annual Growth Rate | 11.2% |
| 5-Year Change | 5.0% |
| 10-Year Change | 181.76% |
| Growth Volatility | 23.3 |
Affinity Bancshares Inc - Net Assets Trend (2015–2025)
This chart illustrates how Affinity Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Also explore Affinity Bancshares Inc balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Affinity Bancshares Inc (2015–2025)
The table below shows the annual net assets of Affinity Bancshares Inc from 2015 to 2025. For live valuation and market cap data, see market cap of Affinity Bancshares Inc.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $127.02 Million | -1.62% |
| 2024-12-31 | $129.12 Million | +6.25% |
| 2023-12-31 | $121.52 Million | +3.77% |
| 2022-12-31 | $117.10 Million | -3.20% |
| 2021-12-31 | $120.97 Million | +49.74% |
| 2020-12-31 | $80.78 Million | +4.69% |
| 2019-12-31 | $77.17 Million | +1.03% |
| 2018-12-31 | $76.38 Million | +0.95% |
| 2017-12-31 | $75.66 Million | +67.84% |
| 2016-12-31 | $45.08 Million | +2.63% |
| 2015-12-31 | $43.92 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Affinity Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 73.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $76.11 Million | 59.92% |
| Common Stock | $61.00K | 0.05% |
| Other Comprehensive Income | $-7.22 Million | -5.69% |
| Other Components | $58.07 Million | 45.72% |
| Total Equity | $127.02 Million | 100.00% |
Affinity Bancshares Inc Competitors by Market Cap
The table below lists competitors of Affinity Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
EcoSynthetix Inc
TO:ECO
|
$135.99 Million |
|
Master Drilling Group Ltd
JSE:MDI
|
$136.00 Million |
|
GeoVision Inc
TW:3356
|
$136.00 Million |
|
Avita Medical Ltd
NASDAQ:RCEL
|
$136.01 Million |
|
Lee Ku Ind
KO:025820
|
$135.97 Million |
|
Melnick Even Desenvolvimento Imobiliário S.A
SA:MELK3
|
$135.90 Million |
|
Vaxart Inc
NASDAQ:VXRT
|
$135.87 Million |
|
LEWAG Holding Aktiengesellschaft
F:KGR
|
$135.85 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Affinity Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 129,115,000 to 127,019,000, a change of -2,096,000 (-1.6%).
- Net income of 8,333,000 contributed positively to equity growth.
- Dividend payments of 8,801,000 reduced retained earnings.
- Share repurchases of 5,942,000 reduced equity.
- Other comprehensive income decreased equity by 1,509,999.
- Other factors increased equity by 5,823,999.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $8.33 Million | +6.56% |
| Dividends Paid | $8.80 Million | -6.93% |
| Share Repurchases | $5.94 Million | -4.68% |
| Other Comprehensive Income | $-1.51 Million | -1.19% |
| Other Changes | $5.82 Million | +4.59% |
| Total Change | $- | -1.62% |
Book Value vs Market Value Analysis
This analysis compares Affinity Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.12x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.18x to 1.12x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $7.04 | $22.41 | x |
| 2016-12-31 | $7.23 | $22.41 | x |
| 2017-12-31 | $12.13 | $22.41 | x |
| 2018-12-31 | $12.25 | $22.41 | x |
| 2019-12-31 | $11.22 | $22.41 | x |
| 2020-12-31 | $11.77 | $22.41 | x |
| 2021-12-31 | $17.41 | $22.41 | x |
| 2022-12-31 | $17.32 | $22.41 | x |
| 2023-12-31 | $18.53 | $22.41 | x |
| 2024-12-31 | $19.64 | $22.41 | x |
| 2025-12-31 | $20.09 | $22.41 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Affinity Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 6.56%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.74%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 6.94x
- Recent ROE (6.56%) is above the historical average (3.76%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 3.67% | 13.73% | 0.05x | 5.15x | $-2.78 Million |
| 2016 | 2.57% | 9.44% | 0.05x | 5.16x | $-3.35 Million |
| 2017 | 1.80% | 10.01% | 0.05x | 3.78x | $-6.20 Million |
| 2018 | 0.59% | 2.79% | 0.05x | 4.01x | $-7.19 Million |
| 2019 | 0.46% | 2.13% | 0.05x | 4.14x | $-7.36 Million |
| 2020 | 3.82% | 9.51% | 0.04x | 10.53x | $-4.99 Million |
| 2021 | 6.26% | 21.56% | 0.04x | 6.51x | $-4.52 Million |
| 2022 | 6.09% | 20.66% | 0.04x | 6.76x | $-4.58 Million |
| 2023 | 5.31% | 14.28% | 0.05x | 6.94x | $-5.70 Million |
| 2024 | 4.21% | 10.88% | 0.06x | 6.71x | $-7.47 Million |
| 2025 | 6.56% | 15.74% | 0.06x | 6.94x | $-4.37 Million |
Industry Comparison
This section compares Affinity Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $599,606,444
- Average return on equity (ROE) among peers: 11.77%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Affinity Bancshares Inc (AFBI) | $127.02 Million | 3.67% | 5.94x | $135.98 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Affinity Bancshares Inc
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. 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 ra… Read more