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. (AFBI) Financials

AFBI

Trailing 12 months to March 31, 2026

Revenue $33.4M +5.3% YoY

Net Income $8.8M +48.0% YoY

EPS (Diluted) $1.36 +49.5% YoY

Free Cash Flow $13.8M +95.6% YoY

Source SEC Filings (10-K/10-Q) Latest period Q1 FY2026, ended Mar 31, 2026 Reported May 8, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q1 FY2026, filed May 8, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the AFBI SEC filings page.

Affinity Bancshares, Inc. (AFBI) reported $33.4M in revenue over the twelve months to Mar 31, 2026, up 5.3% from the prior twelve months. 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 AI AFBI FY2025 2026-10-04

Affinity Bancshares operates with heavy balance-sheet leverage: FY2025 earnings recovered, but returns remained modest relative to its asset base.

Earnings recovery brought net income to $8.3M in FY2025 from $5.4M in FY2024. That recovery lifted ROA only to 0.9% while debt-to-equity stayed near 5.9x, so stronger earnings did not materially change the heavily financed operating model.

Cash conversion was favorable in FY2025: operating cash flow reached $11.6M against net income of $8.3M, indicating reported earnings became cash rather than remaining purely accounting income. FCF was $11.2M while capital expenditures were only $422K, so reinvestment consumed little cash.

Capital remained thin relative to the balance sheet: total equity slipped to $127.0M in FY2025 from $129.1M in FY2024 despite the earnings rebound. That coincided with $5.9M of buybacks and $8.8M of dividends, showing cash distribution outweighed equity accumulation.

Financial Health Signals

Financial Health Score 59/100

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

Affinity Bancshares, Inc. earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.6% the prior year. Earnings ranks banks on that return over three years, and Affinity Bancshares, Inc. scores 44/100 among other banks.

Growth

Affinity Bancshares, Inc. reported revenue of $33.1M in fiscal year 2025, against $31.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Affinity Bancshares, Inc. scores 39/100 among other banks.

Capital

Affinity Bancshares, Inc. funded 14.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $127.0M of equity against $881.7M of assets. Capital ranks banks on that cushion, and Affinity Bancshares, Inc. scores 76/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Affinity Bancshares, Inc. scores 30/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Affinity Bancshares, Inc. scores 89/100 on it among other banks.

Stability

Affinity Bancshares, Inc. reported net income of $8.3M in fiscal year 2025, against $5.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Affinity Bancshares, Inc. scores 77/100 among other banks.

Piotroski F-Score Partial

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 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

$8.1M

YoY+3.8%

QoQ-5.3%

5Y CAGR-2.2%

Affinity Bancshares, Inc. generated $8.1M in revenue in Q1 2026. This represents an increase of 3.8% from the same quarter a year earlier. Against the prior quarter it is down 5.3%.

Net Income

$2.3M

YoY+24.7%

QoQ+7.1%

5Y CAGR+1.4%

Affinity Bancshares, Inc. reported $2.3M in net income in Q1 2026. This represents an increase of 24.7% from the same quarter a year earlier. Against the prior quarter it is up 7.1%.

EPS (Diluted)

$0.36

YoY+28.6%

QoQ+9.1%

5Y CAGR+3.0%

Affinity Bancshares, Inc. earned $0.36 per diluted share (EPS) in Q1 2026. This represents an increase of 28.6% from the same quarter a year earlier. Against the prior quarter it is up 9.1%.

EBITDA

Not reported for Q1 2026.

Cash & Balance Sheet

Free Cash Flow

$4.4M

YoY+145.9%

QoQ+101.0%

5Y CAGR-12.5%

Affinity Bancshares, Inc. generated $4.4M in free cash flow in Q1 2026, representing cash available after capex. This represents an increase of 145.9% from the same quarter a year earlier. Against the prior quarter it is up 101.0%.

Cash & Debt

$89.4M

YoY+19.6%

QoQ+65.9%

5Y CAGR-2.5%

Affinity Bancshares, Inc. held $89.4M in cash as of Q1 2026; long-term debt is not reported for that period.

Shares Outstanding

YoY-3.5%

QoQ0.0%

5Y CAGR-2.4%

Affinity Bancshares, Inc. had 6M shares outstanding in Q1 2026. This represents a decrease of 3.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Dividends Per Share

Not reported for Q1 2026.

Margins & Returns

Net Margin

28.1%

YoY+4.7pp

QoQ+3.2pp

5Y change+4.6pp

Affinity Bancshares, Inc.'s net profit margin was 28.1% in Q1 2026, showing the share of revenue converted to profit. This is up 4.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.2 percentage points.

Return on Equity

1.8%

YoY+0.3pp

QoQ+0.1pp

5Y change-0.1pp

Affinity Bancshares, Inc.'s ROE was 1.8% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Capital Allocation

Share Buybacks

$15K

YoY-98.7%

QoQ-99.2%

Affinity Bancshares, Inc. spent $15K on share buybacks in Q1 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 98.7% from the same quarter a year earlier. Against the prior quarter it is down 99.2%.

Capital Expenditures

$45K

YoY-69.0%

QoQ-51.6%

5Y CAGR-25.0%

Affinity Bancshares, Inc. invested $45K in capex in Q1 2026, funding long-term assets and infrastructure. This represents a decrease of 69.0% from the same quarter a year earlier. Against the prior quarter it is down 51.6%.

R&D Spending

Not reported for Q1 2026.

AFBI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

AFBI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Revenue	$33.4M	$33.1M+6.0%	$31.2M+5.1%	$29.7M-7.8%	$32.2M+0.6%	$32.0M+17.1%	$27.3M+90.5%	$14.3M
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 (Basic)	N/A	$1.33+56.5%	$0.85-15.0%	$1.00-6.5%	$1.07-2.7%	$1.10+168.3%	$0.41	N/A
EPS (Diluted)	$1.36	$1.29+55.4%	$0.83-15.3%	$0.98-7.5%	$1.06-2.8%	$1.09+165.9%	$0.41	N/A
Diluted Shares (Avg)	N/A	6M-2.0%	7M+0.3%	7M-3.0%	7M-3.0%	7M	N/A	N/A

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Revenue	$8.1M+3.8%	$8.6M+12.8%	$8.4M+4.7%	$8.3M+0.5%	$7.8M+6.6%	$7.6M+3.9%	$8.0M+6.0%	$8.3M+12.3%
SG&A Expenses	$3.0M-10.2%	$3.1M-5.6%	$3.2M-1.9%	$3.3M-4.6%	$3.4M+5.7%	$3.3M+2.1%	$3.3M+8.3%	$3.4M+12.5%
Interest Expense	$4.8M+0.3%	$4.9M+2.4%	$5.2M+5.4%	$5.0M+8.4%	$4.8M+6.6%	$4.8M+9.5%	$4.9M+18.6%	$4.7M+11.6%
Income Tax	$718K+24.2%	$945K+269.1%	$700K+28.2%	$682K+119.3%	$578K+35.0%	$256K-38.2%	$546K+8.8%	$311K-37.4%
Net Income	$2.3M+24.7%	$2.1M+58.5%	$2.2M+28.2%	$2.2M+108.7%	$1.8M+37.2%	$1.3M-11.1%	$1.7M+6.6%	$1.0M-35.2%
EPS (Basic)	$0.37+27.6%	$0.35+66.7%	$0.35+29.6%	$0.34+112.5%	$0.29+38.1%	$0.21-12.5%	$0.27+8.0%	$0.16-36.0%
EPS (Diluted)	$0.36+28.6%	$0.33+57.1%	$0.34+30.8%	$0.33+106.3%	$0.28+40.0%	$0.21-8.7%	$0.26+4.0%	$0.16-33.3%
Diluted Shares (Avg)	6M-3.8%	N/A	6M-2.8%	6M-1.3%	7M+0.4%	N/A	7M+1.8%	7M0.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

AFBI Balance Sheet

AFBI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0
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	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Total Assets	$924.7M+1.3%	$881.7M+1.7%	$925.2M+5.3%	$933.8M+6.9%	$912.5M+4.9%	$866.8M+2.8%	$878.6M+2.7%	$873.6M-0.4%
Cash & Equivalents	$89.4M+19.6%	$53.9M+30.0%	$84.8M+62.2%	$89.7M+77.9%	$74.7M+21.7%	$41.4M-17.2%	$52.3M-15.0%	$50.4M-39.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%	$17.2M0.0%
Total Liabilities	$795.2M+0.6%	$754.7M+2.3%	$799.8M+6.6%	$809.7M+8.2%	$790.2M+5.9%	$737.7M+2.2%	$750.2M+1.8%	$748.5M-1.4%
Total Equity	$129.5M+5.9%	$127.0M-1.6%	$125.4M-2.3%	$124.1M-0.8%	$122.3M-0.8%	$129.1M+6.3%	$128.4M+8.4%	$125.1M+6.0%
Retained Earnings	$78.4M+12.6%	$76.1M-0.9%	$74.0M-1.9%	$71.8M-2.7%	$69.6M-4.2%	$76.8M+7.6%	$75.4M+8.0%	$73.7M+8.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

AFBI Cash Flow Statement

AFBI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
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
Depreciation & Amortization	N/A	$720K-2.4%	$738K+0.4%	$735K+117.5%	$338K-49.9%	$674K-3.3%	$697K-21.2%	$885K
Stock-Based Compensation	N/A	$1.0M-23.1%	$1.3M+18.2%	$1.1M+48.2%	$742K+81.0%	$410K+37.6%	$298K+7.2%	$278K
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	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Operating Cash Flow	$4.4M+129.7%	$2.3M+161.4%	$3.7M-9.9%	$3.8M+509.9%	$1.9M+57.5%	$865K-52.2%	$4.1M+136.6%	$619K-73.5%
Depreciation & Amortization	$191K-1.0%	$119K-47.1%	$228K+33.3%	$180K0.0%	$193K+19.1%	$225K+41.5%	$171K+13.2%	$180K-25.6%
Stock-Based Compensation	$207K-32.1%	N/A	$175K-19.4%	$244K-24.0%	$305K-12.6%	N/A	$217K-15.9%	$321K+21.6%
Capital Expenditures	$45K-69.0%	$93K+304.3%	$69K-49.6%	$115K-11.5%	$145K+9.8%	$23K-86.9%	$137K+104.5%	$130K-5.1%
Free Cash Flow	$4.4M+145.9%	$2.2M+157.5%	$3.6M-8.5%	$3.7M+648.5%	$1.8M+63.3%	$842K-48.5%	$4.0M+137.8%	$489K-77.7%
Investing Cash Flow	-$8.2M+23.3%	$13.0M+993.5%	$3.4M+205.4%	-$6.9M+50.4%	-$10.7M+27.1%	-$1.5M-190.8%	-$3.2M-305.5%	-$13.9M-5149.1%
Financing Cash Flow	$39.3M-6.6%	-$46.2M-349.2%	-$11.9M-1249.2%	$18.1M+697.1%	$42.1M+69.4%	-$10.3M+30.9%	$1.0M+104.6%	$2.3M+104.0%
Dividends Paid	N/A	$0	$0	$0	$8.8M	N/A	N/A	N/A
Share Buybacks	$15K-98.7%	$1.9M	$1.9M	$967K	$1.2M	N/A	N/A	N/A

AFBI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

AFBI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Net Margin	25.2%+7.8pp	17.4%-4.3pp	21.7%-0.4pp	22.2%-1.5pp	23.7%+12.4pp	11.3%+8.8pp	2.5%
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
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.04
FCF Margin	33.9%+13.5pp	20.4%-4.3pp	24.8%+5.6pp	19.2%-15.3pp	34.5%+31.1pp	3.4%-5.4pp	8.8%

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Net Margin	28.1%+4.7pp	24.9%+7.2pp	26.5%+4.8pp	25.9%+13.4pp	23.4%+5.2pp	17.7%-3.0pp	21.7%+0.1pp	12.5%-9.1pp
Return on Equity	1.8%+0.3pp	1.7%+0.6pp	1.8%+0.4pp	1.7%+0.9pp	1.5%+0.4pp	1.0%-0.2pp	1.4%0.0pp	0.8%-0.5pp
Return on Assets	0.3%+0.1pp	0.2%+0.1pp	0.2%0.0pp	0.2%+0.1pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.1%-0.1pp
Debt-to-Equity	6.14-0.3x	5.94+0.2x	6.38+0.5x	6.52+0.5x	6.46+0.4x	5.71-0.2x	5.84-0.4x	5.99-0.5x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	53.7%+31.0pp	25.3%+14.2pp	43.3%-6.3pp	44.0%+38.1pp	22.7%+7.9pp	11.1%-11.3pp	49.5%+27.5pp	5.9%-23.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Affinity Bancshares, Inc. AFBI	FY2025	$33.1M	$8.3M	25.2%	$140.2M	59/100
FIRST GUARANTY BANCSHARES INC FGBI	FY2025	$95.4M	-$56.0M	-58.7%	$137.9M	9/100
Union Bankshares, Inc UNB	FY2025	$54.5M	$11.1M	20.4%	$113.3M	44/100
Bogota Financial Corp. BSBK	FY2025	$17.2M	$2.1M	12.1%	$115.9M	40/100
SR Bancorp, Inc. SRBK	FY2026	$33.4M	$3.4M	10.0%	$131.1M	39/100
Landmark Bancorp Inc LARK	FY2025	$70.6M	$19K	0.0%	$190.1M	34/100

Where Affinity Bancshares, Inc. Ranks

Frequently Asked Questions

What is Affinity Bancshares, Inc.'s annual revenue?

Affinity Bancshares, Inc. (AFBI) reported $33.1M in total revenue for fiscal year 2025. This represents a 6.0% 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 6.0% year-over-year, from $31.2M to $33.1M 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 25.2%.

What is Affinity Bancshares, Inc.'s net profit margin?

Affinity Bancshares, Inc. (AFBI) had a net profit margin of 25.2% 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 59 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.