What is Affinity Bancshares Inc's earnings per share (EPS)?

Affinity Bancshares Inc (AFBI) reported diluted earnings per share of $1.29 for fiscal year 2025. This represents a 55.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Affinity Bancshares Inc Financials

AFBI

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Affinity Bancshares Inc (AFBI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI AFBI FY2025 2026-05-05

Thin returns on a large, liability-funded balance sheet make earnings efficiency, not asset growth, the main driver of results.

Between FY2024 and FY2025, assets barely changed, moving from $866.8M to $881.7M. Yet net income rose from $5.4M to $8.3M, showing the rebound came from earning more on roughly the same asset base rather than simply getting bigger.

The balance sheet remains heavily liability-funded, with liabilities at $754.7M and equity at $127.0M in FY2025. In that structure, even a return-on-assets move from 0.6% to 0.9% can materially change the return delivered to shareholders.

Cash conversion looked cleaner in FY2025 because operating cash flow was $11.6M versus net income of $8.3M. With capex only $422K, free cash flow stayed close at $11.2M, so reported profit translated into usable cash instead of being consumed by reinvestment.

Financial Health Signals

Financial Profile 24/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Affinity Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Affinity Bancshares Inc's revenue grew 6.3% year-over-year to $51.0M, a solid pace of expansion. This earns a growth score of 49/100.

Leverage

Affinity Bancshares Inc has elevated debt relative to equity (D/E of 5.94), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Affinity Bancshares Inc converts 22.0% of revenue into free cash flow ($11.2M). This strong cash generation earns a score of 71/100.

Returns

Affinity Bancshares Inc generates a 6.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 24/100. This is up from 4.2% the prior year.

Piotroski F-Score Neutral

6/9

Affinity Bancshares Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.40x

For every $1 of reported earnings, Affinity Bancshares Inc generates $1.40 in operating cash flow ($11.6M OCF vs $8.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$51.0M

YoY+6.3%

5Y CAGR+10.7%

Affinity Bancshares Inc generated $51.0M in revenue in fiscal year 2025. This represents an increase of 6.3% from the prior year.

EBITDA

N/A

Net Income

$8.3M

YoY+53.1%

5Y CAGR+22.0%

Affinity Bancshares Inc reported $8.3M in net income in fiscal year 2025. This represents an increase of 53.1% from the prior year.

EPS (Diluted)

$1.29

YoY+55.4%

5Y CAGR+25.8%

Affinity Bancshares Inc earned $1.29 per diluted share (EPS) in fiscal year 2025. This represents an increase of 55.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$11.2M

YoY+76.1%

5Y CAGR+64.9%

Affinity Bancshares Inc generated $11.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 76.1% from the prior year.

Cash & Debt

$53.9M

YoY+30.0%

5Y CAGR-21.3%

Affinity Bancshares Inc held $53.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY-4.9%

5Y CAGR-2.4%

Affinity Bancshares Inc had 6M shares outstanding in fiscal year 2025. This represents a decrease of 4.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

16.3%

YoY+5.0pp

5Y CAGR+6.3pp

Affinity Bancshares Inc's net profit margin was 16.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.0 percentage points from the prior year.

Return on Equity

6.6%

YoY+2.4pp

5Y CAGR+2.7pp

Affinity Bancshares Inc's ROE was 6.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$5.9M

Affinity Bancshares Inc spent $5.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$422K

YoY+0.0%

5Y CAGR-1.3%

Affinity Bancshares Inc invested $422K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 0.0% from the prior year.

AFBI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$51.0M+6.3%	$48.0M+12.3%	$42.7M+32.9%	$32.1M-1.0%	$32.5M+5.9%	$30.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$12.9M-1.7%	$13.1M+7.1%	$12.3M+0.3%	$12.2M+14.6%	$10.7M-2.8%	$11.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$19.9M+5.7%	$18.8M+21.3%	$15.5M+551.6%	$2.4M-25.1%	$3.2M-42.1%	$5.5M
Income Tax	$2.9M+88.5%	$1.5M-20.6%	$1.9M-11.5%	$2.2M-6.2%	$2.3M+195.2%	$792K
Net Income	$8.3M+53.1%	$5.4M-15.6%	$6.4M-9.6%	$7.1M-5.8%	$7.6M+145.2%	$3.1M
EPS (Diluted)	$1.29+55.4%	$0.83-15.3%	$0.98-7.5%	$1.06-2.8%	$1.09+165.9%	$0.41

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$12.3M-6.2%	$13.2M+1.9%	$12.9M+0.8%	$12.8M+5.9%	$12.1M-1.0%	$12.2M-0.6%	$12.3M+0.7%	$12.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.0M-2.3%	$3.1M-3.3%	$3.2M-2.0%	$3.3M-2.9%	$3.4M+2.6%	$3.3M+0.5%	$3.3M-4.7%	$3.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.8M-2.5%	$4.9M-4.7%	$5.2M+2.1%	$5.0M+5.8%	$4.8M-0.5%	$4.8M-1.9%	$4.9M+5.0%	$4.7M
Income Tax	$718K-24.0%	$945K+35.0%	$700K+2.6%	$682K+18.0%	$578K+125.8%	$256K-53.1%	$546K+75.6%	$311K
Net Income	$2.3M+7.1%	$2.1M-3.8%	$2.2M+3.0%	$2.2M+17.5%	$1.8M+36.1%	$1.3M-22.3%	$1.7M+67.8%	$1.0M
EPS (Diluted)	$0.36	N/A	$0.34+3.0%	$0.33+17.9%	$0.28	N/A	$0.26+62.5%	$0.16

AFBI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$881.7M+1.7%	$866.8M+2.8%	$843.3M+6.6%	$791.3M+0.4%	$788.1M-7.4%	$850.6M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$53.9M+30.0%	$41.4M-17.2%	$50.0M+90.0%	$26.3M-76.4%	$111.8M-37.3%	$178.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M	N/A
Total Liabilities	$754.7M+2.3%	$737.7M+2.2%	$721.7M+7.1%	$674.2M+1.1%	$667.1M-13.3%	$769.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$127.0M-1.6%	$129.1M+6.3%	$121.5M+3.8%	$117.1M-3.2%	$121.0M+49.7%	$80.8M
Retained Earnings	$76.1M-0.9%	$76.8M+7.6%	$71.3M+9.2%	$65.4M+12.3%	$58.2M+15.0%	$50.6M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$924.7M+4.9%	$881.7M-4.7%	$925.2M-0.9%	$933.8M+2.3%	$912.5M+5.3%	$866.8M-1.3%	$878.6M+0.6%	$873.6M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$89.4M+65.9%	$53.9M-36.5%	$84.8M-5.4%	$89.7M+20.0%	$74.7M+80.3%	$41.4M-20.8%	$52.3M+3.8%	$50.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M
Total Liabilities	$795.2M+5.4%	$754.7M-5.6%	$799.8M-1.2%	$809.7M+2.5%	$790.2M+7.1%	$737.7M-1.7%	$750.2M+0.2%	$748.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$129.5M+1.9%	$127.0M+1.3%	$125.4M+1.1%	$124.1M+1.5%	$122.3M-5.3%	$129.1M+0.6%	$128.4M+2.6%	$125.1M
Retained Earnings	$78.4M+3.0%	$76.1M+2.9%	$74.0M+3.1%	$71.8M+3.1%	$69.6M-9.4%	$76.8M+1.8%	$75.4M+2.3%	$73.7M

AFBI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$11.6M+71.4%	$6.8M-13.7%	$7.9M+4.0%	$7.6M-36.1%	$11.9M+764.4%	$1.4M
Capital Expenditures	$422K0.0%	$422K-19.9%	$527K-62.2%	$1.4M+68.0%	$830K+84.0%	$451K
Free Cash Flow	$11.2M+76.1%	$6.4M-13.3%	$7.3M+18.9%	$6.2M-44.0%	$11.0M+1097.9%	$920K
Investing Cash Flow	-$1.2M+96.3%	-$33.2M-18.2%	-$28.1M+70.0%	-$93.7M-873.9%	-$9.6M+91.3%	-$110.4M
Financing Cash Flow	$2.0M-88.7%	$17.9M-59.4%	$44.0M+6171.8%	$701K+101.0%	-$68.7M-128.7%	$239.1M
Dividends Paid	$8.8M	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$5.9M	N/A	$3.3M-42.5%	$5.7M	N/A	$0

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$4.4M+94.7%	$2.3M-38.7%	$3.7M-2.3%	$3.8M+96.9%	$1.9M+121.6%	$865K-78.9%	$4.1M+560.7%	$619K
Capital Expenditures	$45K-51.6%	$93K+34.8%	$69K-40.0%	$115K-20.7%	$145K+530.4%	$23K-83.2%	$137K+5.4%	$130K
Free Cash Flow	$4.4M+101.0%	$2.2M-40.1%	$3.6M-1.1%	$3.7M+106.5%	$1.8M+110.5%	$842K-78.7%	$4.0M+708.4%	$489K
Investing Cash Flow	-$8.2M-163.4%	$13.0M+281.5%	$3.4M+149.3%	-$6.9M+35.6%	-$10.7M-638.1%	-$1.5M+55.0%	-$3.2M+76.8%	-$13.9M
Financing Cash Flow	$39.3M+185.1%	-$46.2M-288.2%	-$11.9M-165.9%	$18.1M-57.0%	$42.1M+508.9%	-$10.3M-1093.1%	$1.0M-54.3%	$2.3M
Dividends Paid	$8.8M	$0	$0	$0-100.0%	$8.8M	N/A	N/A	N/A
Share Buybacks	$15K-99.2%	$1.9M-4.8%	$1.9M+101.0%	$967K-18.1%	$1.2M	N/A	N/A	N/A

AFBI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	16.3%+5.0pp	11.3%-3.8pp	15.1%-7.1pp	22.2%-1.1pp	23.3%+13.3pp	10.1%
Return on Equity	6.6%+2.4pp	4.2%-1.1pp	5.3%-0.8pp	6.1%-0.2pp	6.3%+2.4pp	3.8%
Return on Assets	0.9%+0.3pp	0.6%-0.1pp	0.8%-0.1pp	0.9%-0.1pp	1.0%+0.6pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.94+0.2	5.71-0.2	5.94+0.2	5.76+0.2	5.51-4.0	9.53
FCF Margin	22.0%+8.7pp	13.3%-3.9pp	17.2%-2.0pp	19.2%-14.7pp	34.0%+31.0pp	3.0%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.5%+2.3pp	16.2%-1.0pp	17.2%+0.4pp	16.8%+1.7pp	15.1%+4.1pp	11.0%-3.1pp	14.1%+5.6pp	8.4%
Return on Equity	1.8%+0.1pp	1.7%-0.1pp	1.8%+0.0pp	1.7%+0.2pp	1.5%+0.5pp	1.0%-0.3pp	1.4%+0.5pp	0.8%
Return on Assets	0.3%+0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.14+0.2	5.94-0.4	6.38-0.1	6.52+0.1	6.46+0.7	5.71-0.1	5.84-0.1	5.99
FCF Margin	35.3%+18.8pp	16.5%-11.5pp	28.0%-0.5pp	28.5%+13.9pp	14.6%+7.8pp	6.9%-25.2pp	32.1%+28.1pp	4.0%

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Frequently Asked Questions

What is Affinity Bancshares Inc's annual revenue?

Affinity Bancshares Inc (AFBI) reported $51.0M in total revenue for fiscal year 2025. This represents a 6.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Affinity Bancshares Inc's revenue growing?

Affinity Bancshares Inc (AFBI) revenue grew by 6.3% year-over-year, from $48.0M to $51.0M in fiscal year 2025.

Is Affinity Bancshares Inc profitable?

Yes, Affinity Bancshares Inc (AFBI) reported a net income of $8.3M in fiscal year 2025, with a net profit margin of 16.3%.

What is Affinity Bancshares Inc's net profit margin?

Affinity Bancshares Inc (AFBI) had a net profit margin of 16.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Affinity Bancshares Inc's return on equity (ROE)?

Affinity Bancshares Inc (AFBI) has a return on equity of 6.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Affinity Bancshares Inc's free cash flow?

Affinity Bancshares Inc (AFBI) generated $11.2M in free cash flow during fiscal year 2025. This represents a 76.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Affinity Bancshares Inc's operating cash flow?

Affinity Bancshares Inc (AFBI) generated $11.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Affinity Bancshares Inc's total assets?

Affinity Bancshares Inc (AFBI) had $881.7M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Affinity Bancshares Inc's capital expenditures?

Affinity Bancshares Inc (AFBI) invested $422K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Affinity Bancshares Inc buy back shares?

Yes, Affinity Bancshares Inc (AFBI) spent $5.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Affinity Bancshares Inc have outstanding?

Affinity Bancshares Inc (AFBI) had 6M shares outstanding as of fiscal year 2025.

What is Affinity Bancshares Inc's debt-to-equity ratio?

Affinity Bancshares Inc (AFBI) had a debt-to-equity ratio of 5.94 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Affinity Bancshares Inc's return on assets (ROA)?

Affinity Bancshares Inc (AFBI) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Affinity Bancshares Inc's Piotroski F-Score?

Affinity Bancshares Inc (AFBI) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Affinity Bancshares Inc's earnings high quality?

Affinity Bancshares Inc (AFBI) has an earnings quality ratio of 1.40x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Affinity Bancshares Inc?

Affinity Bancshares Inc (AFBI) scores 24 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.