Source SEC Filings (10-K/10-Q)Data as of Mar 31, 2026Currency USDFYE December
Affinity Bancshares Inc (AFBI) reported $51.0M in revenue
for fiscal year 2025, up 6.3% from the prior fiscal year.
This page shows its 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 AIAFBIFY2025
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 Health Score58/100
Scored as: Banks peer group
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Earnings
40
Growth
39
Capital
80
Efficiency
28
Credit Quality
89
Stability
74
Piotroski F-ScorePartial
6/6
Affinity Bancshares Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
Earnings QualityCash-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.
Affinity Bancshares Inc generated $51.0M in revenue in fiscal year 2025. This represents an increase of 6.3% from the prior year.
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.
EBITDA
Not reported for fiscal year 2025.
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 as of fiscal year 2025; long-term debt is not reported for that period.
Shares Outstanding
6M
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.
Dividends Per Share
Not reported for fiscal year 2025.
Margins & Returns
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.
Gross Margin
Not reported for fiscal year 2025.
Operating Margin
Not reported for fiscal year 2025.
Capital Allocation
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
YoY0.0%
5Y CAGR-1.3%
Affinity Bancshares Inc invested $422K in capex in fiscal year 2025, funding long-term assets and infrastructure. That is unchanged from the prior year.
R&D Spending
Not reported for fiscal year 2025.
AFBI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
AFBI annual income statement
AFBI quarterly income statement
Metric
TTM
FY25
FY24
FY23
FY22
FY21
FY20
FY19
Revenue
$51.3M
$51.0M+6.3%
$48.0M+12.3%
$42.7M+32.9%
$32.1M-1.0%
$32.5M+5.9%
$30.6M+104.3%
$15.0M
SG&A Expenses
$12.6M
$12.9M-1.7%
$13.1M+7.1%
$12.3M+0.3%
$12.2M+14.6%
$10.7M-2.8%
$11.0M+51.2%
$7.3M
Interest Expense
$19.9M
$19.9M+5.7%
$18.8M+21.3%
$15.5M+551.6%
$2.4M-25.1%
$3.2M-42.1%
$5.5M+137.5%
$2.3M
Income Tax
$3.0M
$2.9M+88.5%
$1.5M-20.6%
$1.9M-11.5%
$2.2M-6.2%
$2.3M+195.2%
$792K+2831.0%
-$29K
Net Income
$8.8M
$8.3M+53.1%
$5.4M-15.6%
$6.4M-9.6%
$7.1M-5.8%
$7.6M+145.2%
$3.1M+769.9%
$355K
EPS (Diluted)
—
$1.29+55.4%
$0.83-15.3%
$0.98-7.5%
$1.06-2.8%
$1.09+165.9%
$0.41
N/A
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
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
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
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
AFBI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
AFBI annual balance sheet
AFBI quarterly balance sheet
Metric
FY25
FY24
FY23
FY22
FY21
FY20
FY19
Total Assets
$881.7M+1.7%
$866.8M+2.8%
$843.3M+6.6%
$791.3M+0.4%
$788.1M-7.4%
$850.6M+166.4%
$319.3M
Cash & Equivalents
$53.9M+30.0%
$41.4M-17.2%
$50.0M+90.0%
$26.3M-76.4%
$111.8M-37.3%
$178.3M+270.5%
$48.1M
Goodwill
$17.2M0.0%
$17.2M0.0%
$17.2M0.0%
$17.2M0.0%
$17.2M
N/A
$17.2M
Total Liabilities
$754.7M+2.3%
$737.7M+2.2%
$721.7M+7.1%
$674.2M+1.1%
$667.1M-13.3%
$769.8M+218.0%
$242.1M
Total Equity
$127.0M-1.6%
$129.1M+6.3%
$121.5M+3.8%
$117.1M-3.2%
$121.0M+49.7%
$80.8M+4.7%
$77.2M
Retained Earnings
$76.1M-0.9%
$76.8M+7.6%
$71.3M+9.2%
$65.4M+12.3%
$58.2M+15.0%
$50.6M+6.5%
$47.6M
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
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
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
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
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
AFBI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
AFBI annual cash flow statement
AFBI quarterly cash flow statement
Metric
TTM
FY25
FY24
FY23
FY22
FY21
FY20
FY19
Operating Cash Flow
$14.1M
$11.6M+71.4%
$6.8M-13.7%
$7.9M+4.0%
$7.6M-36.1%
$11.9M+764.4%
$1.4M-16.2%
$1.6M
Capital Expenditures
$322K
$422K0.0%
$422K-19.9%
$527K-62.2%
$1.4M+68.0%
$830K+84.0%
$451K+19.6%
$377K
Free Cash Flow
$13.8M
$11.2M+76.1%
$6.4M-13.3%
$7.3M+18.9%
$6.2M-44.0%
$11.0M+1097.9%
$920K-26.9%
$1.3M
Investing Cash Flow
$1.3M
-$1.2M+96.3%
-$33.2M-18.2%
-$28.1M+70.0%
-$93.7M-873.9%
-$9.6M+91.3%
-$110.4M-7910.4%
-$1.4M
Financing Cash Flow
-$731K
$2.0M-88.7%
$17.9M-59.4%
$44.0M+6171.8%
$701K+101.0%
-$68.7M-128.7%
$239.1M+2108.2%
$10.8M
Dividends Paid
N/A
$8.8M
N/A
N/A
N/A
N/A
N/A
N/A
Share Buybacks
$4.8M
$5.9M
N/A
$3.3M-42.5%
$5.7M
N/A
$0-100.0%
$600K
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
N/A
$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
TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
AFBI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
AFBI annual financial ratios
AFBI quarterly financial ratios
Metric
FY25
FY24
FY23
FY22
FY21
FY20
FY19
Net Margin
16.3%+5.0pp
11.3%-3.8pp
15.1%-7.1pp
22.2%-1.1pp
23.3%+13.3pp
10.1%+7.7pp
2.4%
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%+3.4pp
0.5%
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%+0.2pp
0.1%
Debt-to-Equity
5.94+0.2x
5.71-0.2x
5.94+0.2x
5.76+0.2x
5.51-4.0x
9.53+6.4x
3.14
FCF Margin
22.0%+8.7pp
13.3%-3.9pp
17.2%-2.0pp
19.2%-14.7pp
34.0%+31.0pp
3.0%-5.4pp
8.4%
Metric
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Q2'24
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%
Debt-to-Equity
6.14+0.2x
5.94-0.4x
6.38-0.1x
6.52+0.1x
6.46+0.7x
5.71-0.1x
5.84-0.1x
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%
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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 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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 58 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.
