Estados financieros detallados de Affinity Bancshares, Inc. (AFBI): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Affinity Bancshares, Inc. registró ingresos de $52.9M en el último ejercicio fiscal, con un CAGR de 5 años del 10.3%. El beneficio neto alcanzó $8.3M, con un CAGR a 5 años del 22.0%.
Márgenes de los últimos 12 meses: margen bruto 62.1%, margen operativo 21.4%, margen neto 16.7%. El flujo de caja libre creció a un CAGR del 64.9% en 5 años.
Al precio actual de $23.00, AFBI cotiza a un P/E de 16.31 y un ROE del 6.56%. La capitalización bursátil es de $140M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $12.3M | $13.6M | $16.1M | $16.7M | $32.5M | $35.1M | $34.5M | $45.2M | $50.0M | $52.9M |
| Coste de Ventas | 0 | 0 | 0 | $2.3M | $7.5M | $4.3M | $3.1M | $15.5M | $19.2M | $20.0M |
| Beneficio Bruto | $12.3M | $13.6M | $16.1M | $14.4M | $25.0M | $30.9M | $31.5M | $29.7M | $30.7M | $32.9M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $7.5M | $8.8M | $10.9M | $8.2M | $12.4M | $11.0M | $12.2M | $12.3M | $13.1M | $16.5M |
| Gastos Operativos | $7.5M | $8.8M | $10.9M | $14.0M | $21.1M | $21.0M | $22.1M | $21.3M | $23.8M | $21.7M |
| Beneficio Operativo | $3.5M | $3.8M | $3.3M | $326000 | $3.9M | $9.9M | $9.3M | $8.4M | $7.0M | $11.2M |
| EBITDA | $2.2M | $2.5M | $2.4M | $1.2M | $4.6M | $10.6M | $9.7M | $9.1M | $7.7M | $12.0M |
| Gastos por Intereses | 0 | 0 | 0 | $2.3M | $5.5M | $3.2M | $2.4M | $15.5M | $18.8M | $19.9M |
| Beneficio Antes de Impuestos | $1.9M | $2.1M | $1.7M | $326000 | $3.9M | $9.9M | $9.3M | $8.4M | $7.0M | $11.2M |
| Impuestos | $697000 | $706000 | $1.2M | -$29000 | $792000 | $2.3M | $2.2M | $1.9M | $1.5M | $2.9M |
| Beneficio Neto | $1.2M | $1.4M | $449000 | $355000 | $3.1M | $7.6M | $7.1M | $6.4M | $5.4M | $8.3M |
| BPA | $0.19 | $0.22 | $0.07 | $0.05 | $0.45 | $1.10 | $1.07 | $1.00 | $0.85 | $1.33 |
| BPA Diluido | $0.19 | $0.22 | $0.07 | $0.05 | $0.45 | $1.09 | $1.06 | $0.98 | $0.83 | $1.29 |
| Acciones en Circulación (Diluidas) | $6.2M | $6.2M | $6.2M | $6.9M | $6.9M | $6.9M | $6.8M | $6.6M | $6.6M | $6.3M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Ingresos | $13.4M | $13.5M | $13.5M | $12.3M |
| Beneficio Bruto | $8.3M | $8.3M | $8.5M | $7.6M |
| Beneficio Operativo | $2.8M | $2.9M | $3.1M | $2.5M |
| EBITDA | $3.0M | $3.1M | $3.2M | $2.6M |
| Beneficio Neto | $2.2M | $2.2M | $2.1M | $2.3M |
| BPA | $0.34 | $0.35 | $0.35 | $0.37 |
| BPA Diluido | $0.33 | $0.34 | $0.34 | $0.36 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $24.8M | 0 | $35.2M | $48.1M | $178.3M | $111.8M | $26.3M | $50.0M | $41.4M | $53.9M |
| Inversiones a Corto | 0 | 0 | 0 | $3.8M | $24.0M | $48.6M | $46.2M | $48.6M | $36.5M | $17.2M |
| Cuentas por Cobrar | 0 | 0 | 0 | $3.0M | $10.4M | $8.0M | 0 | 0 | 0 | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $25.7M | $25.2M | $40.9M | $54.9M | $212.6M | $168.3M | $72.5M | $98.6M | $77.9M | $71.0M |
| Inmovilizado Material | $4.6M | $8.8M | $9.0M | $8.5M | $8.6M | $3.8M | $4.3M | $3.8M | $3.3M | $2.8M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | $17.2M | 0 | 0 | 0 | $17.2M |
| Activos Intangibles | 0 | 0 | 0 | 0 | $18.9M | $1.5M | $18.6M | $18.4M | $18.2M | $784000 |
| Activos Totales | $232.8M | $285.9M | $306.0M | $319.3M | $850.6M | $788.1M | $791.3M | $843.3M | $866.8M | $881.7M |
| Cuentas por Pagar | 0 | 0 | 0 | $3.9M | $4.7M | $5.3M | $7.0M | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | 0 | $25.1M | $29.8M | $242.1M | $644.9M | $618.1M | $664.2M | $674.4M | $673.5M | $695.0M |
| Deuda a Largo | 0 | $7.6M | $7.6M | 0 | $24.1M | $49.0M | $10.0M | $40.0M | $58.8M | $54.0M |
| Pasivos Totales | $187.8M | $210.3M | $229.6M | $242.1M | $769.8M | $667.1M | $674.2M | $721.7M | $737.7M | $754.7M |
| Reservas | $45.1M | $45.5M | $46.9M | $47.6M | $50.6M | $58.2M | $65.4M | $71.3M | $76.8M | $76.1M |
| Patrimonio Neto | $45.1M | $75.7M | $76.4M | $77.2M | $80.8M | $121.0M | $117.1M | $121.5M | $129.1M | $127.0M |
| Deuda Total | 0 | $7.6M | $7.6M | 0 | $24.1M | $49.0M | $10.0M | $40.0M | $58.8M | $54.0M |
| Deuda Neta | -$24.8M | $7.6M | -$27.6M | -$51.9M | -$178.1M | -$111.3M | -$62.5M | -$58.6M | -$19.1M | -$17.0M |
| Capital Circulante | $25.7M | $93000 | $11.1M | -$187.2M | -$432.3M | -$449.8M | -$591.6M | -$575.9M | -$595.6M | -$624.0M |
Balance (Trimestral)
| Año | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Caja y Equivalentes | $89.7M | $84.8M | $6.9M | $5.6M |
| Activos Totales | $933.8M | $925.2M | $881.7M | $924.7M |
| Pasivos Totales | $809.7M | $799.8M | $754.7M | $795.2M |
| Patrimonio Neto | $124.1M | $125.4M | $127.0M | $129.5M |
| Deuda Total | $54.0M | $54.0M | $54.0M | $54.0M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $1.2M | $1.4M | $449000 | $355000 | $3.1M | $7.6M | $7.1M | $6.4M | $5.4M | $8.3M |
| Amortizaciones | $347000 | $444000 | $702000 | $885000 | $697000 | $674000 | $338000 | $734000 | $738000 | $720000 |
| Compensación en Acciones | 0 | $157000 | $133000 | $278000 | $298000 | $410000 | $694000 | $1.1M | $1.1M | $894000 |
| Cambio en Capital Circulante | $130000 | $616000 | -$1.4M | $113000 | -$4.6M | $1.4M | -$1.7M | -$742000 | -$1.4M | $331000 |
| Flujo de Caja Operativo | $1.9M | $3.1M | $2.3M | $1.6M | $1.4M | $11.9M | $7.6M | $7.9M | $6.8M | $11.6M |
| Inversiones (CapEx) | -$381000 | -$4.3M | -$8.3M | -$377000 | -$451000 | -$830000 | -$1.4M | -$527000 | -$422000 | -$422000 |
| Adquisiciones | 0 | 0 | 0 | 0 | -$22.7M | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | -$668000 | -$600000 | 0 | 0 | -$5.7M | -$3.3M | 0 | -$5.9M |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$8.8M |
| Flujo de Caja Libre | $1.5M | -$1.2M | -$6.0M | $1.3M | $920000 | $11.0M | $6.2M | $7.3M | $6.4M | $11.2M |
Flujo de Caja (Trimestral)
| Año | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Flujo de Caja Operativo | $3.8M | $3.7M | $2.3M | $4.4M |
| Inversiones (CapEx) | -$115000 | $260000 | -$405000 | -$45000 |
| Flujo de Caja Libre | $3.7M | $3.9M | $1.9M | $4.4M |
| Dividendos Pagados | 0 | 0 | 0 | 0 |
| Compensación en Acciones | $244000 | $174000 | $171000 | $207000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +11.2% | +18.2% | +3.4% | +94.9% | +8.2% | -1.7% | +30.8% | +10.7% | +5.9% |
| Crecimiento Beneficio Neto (anual) | | +18.0% | -67.1% | -20.9% | +769.9% | +145.2% | -5.8% | -9.6% | -15.6% | +53.2% |
| Crecimiento BPA (anual) | | +15.8% | -67.3% | -28.3% | +772.1% | +144.4% | -2.7% | -6.5% | -15.0% | +56.5% |
| Cambio en Acciones (anual) | | +0.0% | +0.0% | +10.3% | -0.1% | +1.2% | -2.7% | -3.0% | +0.3% | -3.8% |
| Crecimiento FCF (anual) | | -180.1% | -381.5% | +121.1% | -26.9% | +1097.9% | -44.0% | +18.9% | -13.3% | +76.1% |
| Margen Bruto | 100.0% | 100.0% | 100.0% | 86.1% | 77.0% | 87.9% | 91.1% | 65.8% | 61.5% | 62.2% |
| Margen Operativo | 28.7% | 27.8% | 20.6% | 2.0% | 11.9% | 28.2% | 27.0% | 18.6% | 14.0% | 21.2% |
| Margen EBITDA | 18.0% | 18.4% | 14.6% | 7.3% | 14.1% | 30.1% | 28.0% | 20.2% | 15.4% | 22.6% |
| Margen Neto | 9.4% | 10.0% | 2.8% | 2.1% | 9.5% | 21.6% | 20.7% | 14.3% | 10.9% | 15.7% |
| Margen FCF | 12.6% | -9.1% | -37.0% | 7.6% | 2.8% | 31.4% | 17.9% | 16.3% | 12.7% | 21.2% |
| Tasa Impositiva Efectiva | 37.6% | 34.1% | 72.9% | -8.9% | 20.4% | 23.6% | 23.5% | 23.1% | 22.1% | 25.9% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.25 | $-0.20 | $-0.96 | $0.18 | $0.13 | $1.59 | $0.91 | $1.12 | $0.97 | $1.77 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.39 |
| Acciones en Circulación (Básicas) | $6.2M | $6.2M | $6.2M | $6.9M | $6.9M | $6.9M | $6.7M | $6.5M | $6.4M | $6.1M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 6.56% |
| Rentabilidad sobre capital invertido | 4.46% |
| Rentabilidad sobre activos | 0.95% |
| Margen bruto | 62.12% |
| Margen operativo | 21.40% |
| Margen neto | 16.67% |
Salud financiera
| Deuda / Patrimonio | 0.42 |
| Ratio corriente | 4.28 |
| Piotroski F-Score | 8 |
| Altman Z-Score | -0.53 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 69.95 | 61.32 | 161.81 | 221.90 | 22.00 | 14.00 | 14.11 | 15.97 | 20.59 | 15.39 |
| P/VC | 1.84 | 1.11 | 0.95 | 1.02 | 0.84 | 0.88 | 0.86 | 0.85 | 0.87 | 0.99 |
| P/V | 6.76 | 6.17 | 4.51 | 4.72 | 2.09 | 3.02 | 2.92 | 2.29 | 2.25 | 2.37 |
| Margen Bruto | 100.0% | 100.0% | 100.0% | 86.1% | 77.0% | 87.9% | 91.1% | 65.8% | 61.5% | 62.2% |
| Margen Operativo | 28.7% | 27.8% | 20.6% | 2.0% | 11.9% | 28.2% | 27.0% | 18.6% | 14.0% | 21.2% |
| Margen Neto | 9.4% | 10.0% | 2.8% | 2.1% | 9.5% | 21.6% | 20.7% | 14.3% | 10.9% | 15.7% |