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Affinity Bancshares, Inc. (NASDAQ: AFBI) EVP equity gets $23 cash in merger

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Affinity Bancshares, Inc. EVP and CCO Nelson Clark reported equity dispositions tied to a merger. On 2026-08-01, all reported common shares, including 12,129 held directly plus additional shares via an IRA and ESOP, were converted into the right to receive $23.00 cash per share under an Agreement and Plan of Merger. Stock options on 22,671, 5,000, 7,500 and 10,000 underlying shares with stated exercise prices between $7.77 and $14.85 were also converted into cash equal to $23.00 minus the exercise price per underlying share. After these transactions, this report shows no remaining common stock holdings for Clark.

Positive

  • None.

Negative

  • None.
Insider Nelson Clark
Role EVP and CCO
Type Security Shares Price Value
Disposition Stock Options F2 -- -- --
Disposition Stock Options F2 -- -- --
Disposition Stock Options F2 -- -- --
Disposition Stock Options F2 -- -- --
Disposition Common Stock F1 12,129 -- --
Disposition Common Stock F1 1,000 -- --
Disposition Common Stock F3, F1 7,373 -- --
Holdings After Transaction: Stock Options — 0 shares (Direct); Common Stock — 0 shares (Direct); Common Stock — 0 shares (Indirect, By IRA); Common Stock — 0 shares (Indirect, By ESOP)
Footnotes (3)
  1. F1. Pursuant to the Agreement and Plan of Merger, dated March 30, 2026, by and among the Issuer, Affinity Bank, National Association, Fidelity BancShares (N.C.), Inc., The Fidelity Bank, and TFB Merger Subsidiary, Inc. (the "Merger Agreement"), each issued and outstanding share of Issuer common stock was converted into the right to receive $23.00 cash consideration.
  2. F2. Pursuant to the Merger Agreement, each stock option was converted into the right to receive $23.00 cash consideration less the exercise price of such option.
  3. F3. Reflects transaction not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.
Merger cash consideration $23.00 per share Each issued and outstanding common share converted into the right to receive $23.00 cash.
Direct common shares disposed 12129.0000 shares Directly held common stock converted to cash on 2026-08-01.
IRA common shares disposed 1000.0000 shares Indirect common stock held by IRA converted to cash on 2026-08-01.
ESOP common shares disposed 7373.0000 shares Indirect ESOP-related common shares converted; footnote notes not required under Section 16.
Option underlying shares (grant 1) 22671.0000 shares Stock options at $7.7700 exercise price, expiring 2030-04-30, converted to cash.
Option exercise price (grant 1) $7.7700 per share Exercise price used to calculate cash as $23.00 minus $7.7700 per underlying share.
Option exercise price (grant 2) $14.8500 per share Exercise price for options on 5000.0000 underlying shares expiring 2032-07-01.
Agreement and Plan of Merger regulatory
"Pursuant to the Agreement and Plan of Merger, dated March 30, 2026"
An Agreement and Plan of Merger is a formal document where two companies agree to combine into one, outlining how the process will happen. It’s like a step-by-step plan for merging, and it matters because it shows both sides have agreed on the details before the official transition takes place.
Merger Agreement regulatory
"Pursuant to the Merger Agreement, each stock option was converted"
A merger agreement is a binding contract that lays out the exact terms for two companies to combine, including the price, what each side will deliver, and the conditions that must be met before the deal is completed. Investors care because it sets the timetable, payouts and risks — like a blueprint or prenup that shows whether the deal is likely to close, how ownership will change, and what could cancel or alter the payout they expect.
Section 16 of the Securities Exchange Act of 1934 regulatory
"transaction not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934"
A provision of federal securities law that requires company insiders—directors, officers and large shareholders—to publicly report their stock holdings and trades and to surrender any “short-swing” profits from purchases and sales within a six-month window. It acts like a rule that forces leaders to announce their trades and prevents quick buy-sell windfalls, giving investors transparency into insider activity and reducing opportunities for unfair gain.
ESOP financial
"Indirect ownership marked as "By ESOP" for certain common stock holdings"
An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.
disposition to issuer financial
"Transaction code D described as a disposition to issuer for these entries"

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What did Nelson Clark of AFBI report in this Form 4?

Nelson Clark, EVP and CCO of Affinity Bancshares (AFBI), reported the disposition of his equity in connection with a merger. His common shares and several stock option grants were converted into rights to receive cash consideration under an Agreement and Plan of Merger.

How many AFBI common shares held by Nelson Clark were converted to cash?

The filing shows 12,129 common shares held directly, plus additional shares held indirectly via an IRA and an ESOP, were disposed on 2026-08-01. Each issued and outstanding share was converted into the right to receive $23.00 in cash consideration.

What cash consideration did AFBI shareholders receive in the merger?

Under the Merger Agreement, each issued and outstanding share of Affinity Bancshares common stock was converted into the right to receive $23.00 in cash. This fixed cash amount applied to all such common shares referenced in Nelson Clark’s holdings.

How were Nelson Clark’s AFBI stock options treated in the merger?

Each AFBI stock option held by Nelson Clark was converted into the right to receive $23.00 in cash minus its exercise price per underlying share. This applied to option grants covering 22,671, 5,000, 7,500 and 10,000 underlying common shares.

Does Nelson Clark retain any AFBI common stock after these transactions?

The Form 4 reports post-transaction holdings of 0.0000 common shares for Clark’s direct, IRA, and ESOP positions. Based on this table, he no longer reports any AFBI common stock holdings following the merger-related cash conversion on 2026-08-01.

Were Nelson Clark’s AFBI transactions made under a Rule 10b5-1 trading plan?

The Form 4’s Rule 10b5-1 checkbox is not marked as affirming such a plan, and the footnotes do not reference one. The dispositions instead occurred pursuant to the Merger Agreement that set the $23.00 per share cash consideration.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
X
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Nelson Clark

(Last)(First)(Middle)
3175 HIGHWAY 278

(Street)
COVINGTON GEORGIA 30014

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Affinity Bancshares, Inc. [ AFBI ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
EVP and CCO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
08/01/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock08/01/2026D12,129D(1)0D
Common Stock08/01/2026D1,000D(1)0IBy IRA
Common Stock08/01/2026D7,373(3)D(1)0IBy ESOP
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Options$7.7708/01/2026D$22,67104/30/202104/30/2030Common Stock22,671(2)0D
Stock Options$14.8508/01/2026D$5,00007/01/202307/01/2032Common Stock5,000(2)0D
Stock Options$14.408/01/2026D$7,50003/21/202403/21/2033Common Stock7,500(2)0D
Stock Options$14.4908/01/2026D$10,00011/16/202411/16/2033Common Stock10,000(2)0D
Explanation of Responses:
1. Pursuant to the Agreement and Plan of Merger, dated March 30, 2026, by and among the Issuer, Affinity Bank, National Association, Fidelity BancShares (N.C.), Inc., The Fidelity Bank, and TFB Merger Subsidiary, Inc. (the "Merger Agreement"), each issued and outstanding share of Issuer common stock was converted into the right to receive $23.00 cash consideration.
2. Pursuant to the Merger Agreement, each stock option was converted into the right to receive $23.00 cash consideration less the exercise price of such option.
3. Reflects transaction not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.
/s/ Ned A. Quint, pursuant to power of attorney08/06/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)