$112.22M Market Cap.
AFBI Market Cap. (MRY)
AFBI Shares Outstanding (MRY)
AFBI Assets (MRY)
Total Assets
$866.82M
Total Liabilities
$737.70M
Total Investments
$775.60M
AFBI Income (MRY)
Revenue
$30.74M
Net Income
$5.44M
Operating Expense
$23.76M
AFBI Cash Flow (MRY)
CF Operations
$6.79M
CF Investing
-$33.24M
CF Financing
$17.85M
AFBI Dividends (MRY)
Period | Dividends | Yield % | Growth % | Payout Ratio | Coverage Ratio |
---|---|---|---|---|---|
2024 | $0 | 0% | 0% | 0% | - |
2023 | $0 | 0% | 0% | 0% | - |
2022 | $0 | 0% | 0% | 0% | - |
2021 | $0 | 0% | 0% | 0% | - |
2020 | $0 | - | - | 0% | - |
AFBI Balance Sheet (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
---|---|---|---|---|
Total Assets | $866,817,000 (2.79%) | $843,258,000 (6.57%) | $791,283,000 (0.41%) | $788,088,000 (-7.35%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $18,175,000 (-1.04%) | $18,366,000 (-1.03%) | $18,558,000 (-1.02%) | $18,749,000 (-1.01%) |
Shareholders Equity | $129,115,000 (6.25%) | $121,516,000 (3.77%) | $117,103,000 (-3.20%) | $120,968,000 (49.74%) |
Property Plant & Equipment Net | $3,261,000 (-14.12%) | $3,797,000 (-10.81%) | $4,257,000 (12.53%) | $3,783,000 (-56.10%) |
Cash & Equivalents | $41,425,000 (-17.19%) | $50,025,000 (90.04%) | $26,324,000 (-76.45%) | $111,776,000 (-37.29%) |
Accumulated Other Comprehensive Income | -$5,712,000 (9.79%) | -$6,332,000 (4.85%) | -$6,655,000 (-1758.94%) | -$358,000 (-325.16%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $775,595,000 (4.93%) | $739,156,000 (4.00%) | $710,718,000 (13.38%) | $626,858,000 (1.46%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Accumulated Retained Earnings (Deficit) | $76,786,000 (7.63%) | $71,345,000 (9.16%) | $65,357,000 (12.25%) | $58,223,000 (14.95%) |
Tax Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Tax Liabilities | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Debt | $58,815,000 (47.04%) | $40,000,000 (299.00%) | $10,025,000 (-79.54%) | $48,988,000 (-60.79%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $737,702,000 (2.21%) | $721,742,000 (7.05%) | $674,180,000 (1.06%) | $667,120,000 (-13.34%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
AFBI Income Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
---|---|---|---|---|
Revenues | $30,743,000 (3.49%) | $29,706,000 (-5.55%) | $31,453,000 (1.86%) | $30,879,000 (22.06%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $17,664,000 (5.27%) | $16,780,000 (-2.25%) | $17,167,000 (7.89%) | $15,912,000 (-11.51%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $23,761,000 (11.46%) | $21,318,000 (-0.75%) | $21,479,000 (2.44%) | $20,968,000 (-2.10%) |
Interest Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Income Tax Expense | $1,541,000 (-20.57%) | $1,940,000 (-11.54%) | $2,193,000 (-6.20%) | $2,338,000 (195.20%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $5,441,000 (-15.62%) | $6,448,000 (-9.62%) | $7,134,000 (-5.80%) | $7,573,000 (145.24%) |
Net Income to Non-Controlling Interests | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income | $5,441,000 (-15.62%) | $6,448,000 (-9.62%) | $7,134,000 (-5.80%) | $7,573,000 (145.24%) |
Preferred Dividends Income Statement Impact | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $5,441,000 (-15.62%) | $6,448,000 (-9.62%) | $7,134,000 (-5.80%) | $7,573,000 (145.24%) |
Weighted Average Shares | $6,414,182 (-0.97%) | $6,476,767 (-2.89%) | $6,669,389 (-3.50%) | $6,911,576 (0.52%) |
Weighted Average Shares Diluted | $6,575,406 (0.28%) | $6,557,053 (-3.03%) | $6,761,771 (-2.98%) | $6,969,402 |
Earning Before Interest & Taxes (EBIT) | $6,982,000 (-16.76%) | $8,388,000 (-10.07%) | $9,327,000 (-5.89%) | $9,911,000 (155.44%) |
Gross Profit | $30,743,000 (3.49%) | $29,706,000 (-5.55%) | $31,453,000 (1.86%) | $30,879,000 (22.06%) |
Operating Income | $6,982,000 (-16.76%) | $8,388,000 (-15.90%) | $9,974,000 (0.64%) | $9,911,000 (155.44%) |
AFBI Cash Flow Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
---|---|---|---|---|
Net Cash Flow from Investing | -$33,245,000 (-18.16%) | -$28,135,000 (69.98%) | -$93,722,000 (-873.94%) | -$9,623,000 (91.28%) |
Net Cash Flow from Financing | $17,853,000 (-59.39%) | $43,965,000 (6171.75%) | $701,000 (101.02%) | -$68,705,000 (-128.73%) |
Net Cash Flow from Operations | $6,791,000 (-13.72%) | $7,871,000 (3.99%) | $7,569,000 (-36.13%) | $11,851,000 (764.41%) |
Net Cash Flow / Change in Cash & Cash Equivalents | -$8,601,000 (-136.29%) | $23,701,000 (127.74%) | -$85,452,000 (-28.54%) | -$66,477,000 (-151.08%) |
Net Cash Flow - Business Acquisitions and Disposals | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Cash Flow - Investment Acquisitions and Disposals | -$32,823,000 (-18.89%) | -$27,608,000 (70.10%) | -$92,328,000 (-915.37%) | -$9,093,000 (89.58%) |
Capital Expenditure | -$422,000 (19.92%) | -$527,000 (62.20%) | -$1,394,000 (-67.95%) | -$830,000 (-105.45%) |
Issuance (Repayment) of Debt Securities | $18,815,000 (-37.23%) | $29,975,000 (178.93%) | -$37,975,000 (49.91%) | -$75,813,000 (-187.44%) |
Issuance (Purchase) of Equity Shares | $0 (0%) | -$3,283,000 (42.49%) | -$5,709,000 (-115.38%) | $37,108,000 (0%) |
Payment of Dividends & Other Cash Distributions | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | $1,538,000 (11.05%) | $1,385,000 (37.54%) | $1,007,000 (48.31%) | $679,000 (78.68%) |
Depreciation Amortization & Accretion | $738,000 (0.54%) | $734,000 (117.16%) | $338,000 (-49.85%) | $674,000 (-3.30%) |
AFBI Financial Metrics (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 17.70% (-18.43%) | 21.70% (-4.41%) | 22.70% (-7.35%) | 24.50% (100.82%) |
EBITDA Margin | 25.10% (-18.24%) | 30.70% (0.00%) | 30.70% (-10.50%) | 34.30% (89.50%) |
Return on Average Equity (ROAE) | 4.30% (-20.37%) | 5.40% (-11.48%) | 6.10% (-4.69%) | 6.40% (64.10%) |
Return on Average Assets (ROAA) | 0.60% (-14.29%) | 0.70% (-22.22%) | 0.90% (-10.00%) | 1.00% (100.00%) |
Return on Sales (ROS) | 22.70% (-19.50%) | 28.20% (-5.05%) | 29.70% (-7.48%) | 32.10% (109.80%) |
Return on Invested Capital (ROIC) | 0.80% (-20.00%) | 1.00% (-23.08%) | 1.30% (-7.14%) | 1.40% (100.00%) |
Dividend Yield | 0% (0%) | 0% (0%) | 0% (0%) | 0% |
Price to Earnings Ratio (P/E) | 20.59 (28.92%) | 15.97 (13.17%) | 14.11 (0.80%) | 14 |
Price to Sales Ratio (P/S) | 3.65 (4.85%) | 3.48 (8.74%) | 3.2 (-7.11%) | 3.45 |
Price to Book Ratio (P/B) | 0.87 (3.45%) | 0.84 (-1.75%) | 0.85 (-2.29%) | 0.88 |
Debt to Equity Ratio (D/E) | 5.71 (-3.79%) | 5.94 (3.16%) | 5.76 (4.39%) | 5.51 (-42.13%) |
Earnings Per Share (EPS) | 0.85 (-15.00%) | 1 (-6.54%) | 1.07 (-2.73%) | 1.1 (168.29%) |
Sales Per Share (SPS) | 4.79 (4.49%) | 4.59 (-2.74%) | 4.72 (5.55%) | 4.47 (21.45%) |
Free Cash Flow Per Share (FCFPS) | 0.99 (-12.43%) | 1.13 (22.46%) | 0.93 (-41.94%) | 1.59 (1031.21%) |
Book Value Per Share (BVPS) | 20.13 (7.29%) | 18.76 (6.86%) | 17.56 (0.32%) | 17.5 (48.97%) |
Tangible Assets Book Value Per Share (TABVPS) | 132.31 (3.88%) | 127.36 (9.93%) | 115.86 (4.09%) | 111.31 (-7.98%) |
Enterprise Value Over EBIT (EV/EBIT) | 17 (142.86%) | 7 (0.00%) | 7 (250.00%) | 2 |
Enterprise Value Over EBITDA (EV/EBITDA) | 15.38 (131.84%) | 6.63 (-7.98%) | 7.21 (218.56%) | 2.26 |
Asset Turnover | 0.04 (2.94%) | 0.03 (-17.07%) | 0.04 (5.13%) | 0.04 (-9.30%) |
Current Ratio | - | - | - | - |
Dividends | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Free Cash Flow (FCF) | $6,369,000 (-13.28%) | $7,344,000 (18.93%) | $6,175,000 (-43.97%) | $11,021,000 (1039.71%) |
Enterprise Value (EV) | $118,733,525 (96.19%) | $60,518,295 (-13.14%) | $69,670,254 (190.92%) | $23,948,564 |
Earnings Before Tax (EBT) | $6,982,000 (-16.76%) | $8,388,000 (-10.07%) | $9,327,000 (-5.89%) | $9,911,000 (155.44%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $7,720,000 (-15.37%) | $9,122,000 (-5.62%) | $9,665,000 (-8.69%) | $10,585,000 (131.27%) |
Invested Capital | $866,032,000 (6.28%) | $814,867,000 (7.73%) | $756,426,000 (7.06%) | $706,551,000 (-9.23%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $848,642,000 (2.88%) | $824,892,000 (6.75%) | $772,725,000 (0.44%) | $769,339,000 (-7.50%) |
Market Capitalization | $112,217,525 (9.99%) | $102,021,295 (1.84%) | $100,176,254 (-5.35%) | $105,838,564 |
Average Equity | $126,464,000 (6.22%) | $119,060,250 (2.63%) | $116,013,250 (-2.01%) | $118,390,000 (49.91%) |
Average Assets | $872,126,750 (-0.55%) | $876,974,000 (13.36%) | $773,640,000 (-2.14%) | $790,532,000 (35.14%) |
Invested Capital Average | $857,827,000 (5.98%) | $809,459,000 (12.51%) | $719,485,000 (2.30%) | $703,297,000 (34.02%) |
Shares | 6,412,430 (0.38%) | 6,388,309 (-3.71%) | 6,634,189 (-3.47%) | 6,872,634 (-0.04%) |