NASDAQ · Banks - Regional

AFBI (AFBI) Stock

$22.98 +0.13% NASDAQ: AFBI Financial Services

Valuation

MetricValue
Price$22.98
Market Cap$140.06M
P/E Ratio17.43
P/B Ratio1.08
P/S Ratio2.60
EPS (TTM)$1.29
52-Week High$22.98
52-Week Low$18.32
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE6.30%
ROA0.91%
ROCE8.66%
Gross Margin20.75%
Operating Margin20.75%
Net Margin16.67%
Debt/Equity0.42
Current Ratio0.10

Annual Financials (USD)

Metric20212022202320242025
Revenue$35.0M$35.0M$45.0M$50.0M$53.0M
Operating Profit$10.0M$9.0M$8.0M$7.0M$11.0M
Net Profit$8.0M$7.0M$6.0M$5.0M$8.0M
EPS$1.09$1.06$0.98$0.83$1.29
Op Margin28.2%27.0%18.6%14.0%21.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$788.0M$791.0M$843.0M$867.0M$882.0M
Total Liabilities$667.0M$674.0M$722.0M$738.0M$755.0M
Cash$112.0M$26.0M$50.0M$41.0M$54.0M
Borrowings$49.0M$10.0M$40.0M$59.0M$54.0M

Latest News

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$12.0M$8.0M$8.0M$7.0M$12.0M
Investing Cash Flow$-10.0M$-95.0M$-29.0M$-34.0M$-2.0M
Financing Cash Flow$-30.0M$39.0M$14.0M$-1.0M$16.0M
Net Cash Flow$-66.0M$-85.0M$24.0M$-9.0M$12.0M
Free Cash Flow$11.0M$6.0M$7.0M$6.0M$11.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y20.74%
Return 3Y95.96%
Return 5Y85.17%

Ownership

Insiders Held30.04%
Institutions Held29.63%
Institutions Float Held42.35%
Institutional HolderSharesReport Date
Alliancebernstein L.P.598,6192026-03-31
Raffles Associates Lp198,8422026-03-31
Gardner Lewis Asset Management LP151,2822026-03-31
Vanguard Capital Management LLC143,6882026-03-31
Yakira Capital Management, Inc.76,2942026-03-31

About AFBI

AFBI is led by CEO Edward J. Cooney, employs 88 people, headquartered in US, publicly traded since 2017.

AFBI stock trades at $22.98 with a market capitalization of $140.06M. The stock is valued at a price-to-earnings (P/E) ratio of 17.43, price-to-book of 1.08, price-to-sales of 2.60. Over the past 52 weeks the stock has ranged between $18.32 and $22.98, and currently trades at or near its 52-week high.

On profitability, AFBI generates a return on equity (ROE) of 6.30%, return on capital employed of 8.66%, an operating margin of 20.75%, a net profit margin of 16.67%.

AFBI by the numbers, 2016–2025

Between 2016 and 2025 AFBI reported revenue of $12.0M rising to $53.0M, a change of +341.7% across 10 years. Compounded, revenue has grown 10.6% a year over five years, 14.8% over three, 6.0% over the last twelve months. Net profit rose to $8.0M.

Operating margin went from 28.8% in 2016 to 21.2% in 2025, a fall of 7.5 percentage points. The most recent net margin is 16.67%. On a trailing twelve-month basis to Mar '26, revenue is $52.0M and net profit $8.0M.

Borrowings stand at $54.0M, cash from operations was $12.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 5.5% over five years, and was 6.3% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

AFBI (AFBI) — frequently asked questions

What is AFBI (AFBI) stock price today?

AFBI (AFBI) is currently trading at $22.98, up 0.13% today.

What is AFBI P/E ratio?

AFBI's P/E ratio is 17.43. This is between 15x and 30x, around the typical market average of roughly 18-22x.

What is AFBI return on equity (ROE)?

AFBI's return on equity (ROE) is 6.30%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is AFBI's market cap?

AFBI has a market capitalization of $140.06M.

Does AFBI pay a dividend?

AFBI is not currently showing a dividend yield in our data, which means no recent cash dividend was recorded for it.

How much debt does AFBI carry?

AFBI has a debt-to-equity ratio of 0.42. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is AFBI's profit margin?

AFBI reports a net profit margin of 16.67% — the share of revenue left after every cost, including tax and interest.

What sector is AFBI in?

AFBI is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is AFBI listed on?

AFBI trades on NASDAQ under the ticker AFBI.

What is AFBI's 52-week range?

Over the last year AFBI has traded between $18.32 and $22.98.

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Screens AFBI currently matches

On the figures above, AFBI passes the filters for 1 of our ready-made screens, among them Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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