STOCK TITAN

Affinity Bancshares (AFBI) director exits stock in $23 cash merger

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Affinity Bancshares, Inc. director Edward P. Stone reported dispositions to the issuer of his reported holdings on August 1, 2026, in connection with an Agreement and Plan of Merger dated March 30, 2026. Under that agreement, each common share was converted into the right to receive $23.00 in cash, and each stock option into $23.00 in cash less its exercise price. Stone disposed of 55,281 directly held common shares, 3,000 shares held via an IRA, and the reported stock options; his reported common stock holdings after these transactions were 0 shares.

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Insider Stone Edward P.
Role Director
Type Security Shares Price Value
Disposition Stock Options F2 -- -- --
Disposition Stock Options F2 -- -- --
Disposition Stock Options F2 -- -- --
Disposition Common Stock F1 55,281 -- --
Disposition Common Stock F1 3,000 -- --
Holdings After Transaction: Stock Options — 0 shares (Direct); Common Stock — 0 shares (Direct); Common Stock — 0 shares (Indirect, By IRA)
Footnotes (2)
  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.
Cash consideration per common share $23.00 Each issued and outstanding Affinity Bancshares common share was converted into this cash amount pursuant to the merger agreement.
Direct common shares disposed 55,281 shares Common stock held directly by Edward P. Stone disposed to the issuer on 2026-08-01.
IRA common shares disposed 3,000 shares Common stock held indirectly via an IRA disposed to the issuer on 2026-08-01.
Stock options underlying shares 5,000 shares Underlying common shares subject to stock options with a $14.4900 exercise price converted into a cash right.
Stock options underlying shares 10,500 shares Underlying common shares subject to stock options with a $14.8700 exercise price converted into a cash right.
Stock options underlying shares 16,747 shares Underlying common shares subject to stock options with a $11.1400 exercise price converted into a cash right.
Merger agreement date March 30, 2026 Date of the Agreement and Plan of Merger governing conversion of shares and options into cash rights.
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.
cash consideration financial
"was converted into the right to receive $23.00 cash consideration"
Cash consideration is the actual money paid to buy a company, asset, or stake rather than payment in shares or other forms. For investors it matters because cash payments deliver immediate, certain value and affect the buyer’s and seller’s cash reserves and balance sheets—like selling a car for cash versus taking a trade-in, one side gets instant spending power while the other changes its liquidity and risk profile.
stock option financial
"each stock option was converted into the right to receive $23.00 cash"
A stock option is a contract that gives you the right to buy or sell a company's stock at a specific price within a certain time frame. People use them to potentially make money if the stock's price moves favorably or to protect against losses. It's like holding a coupon that can be used to buy or sell stock at a set price later on.
IRA financial
"Common Stock disposition of 3,000.0000 shares held indirectly, By IRA"
An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

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

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FAQ

What did Edward P. Stone report in his AFBI Form 4 filing?

Edward P. Stone reported dispositions of Affinity Bancshares common stock and stock options on August 1, 2026. Pursuant to a merger agreement, his reported shares were converted into the right to receive $23.00 in cash per share and his options into cash less their exercise prices.

Under the merger, what did AFBI common shareholders receive?

Under an Agreement and Plan of Merger dated March 30, 2026, each issued and outstanding Affinity Bancshares common share was converted into the right to receive $23.00 cash consideration. This cash payment replaced the prior equity interest in the company.

How many Affinity Bancshares (AFBI) shares did Stone dispose of?

Stone disposed of 55,281 common shares held directly and 3,000 shares held indirectly through an IRA. After these transactions, his reported Affinity Bancshares common stock holdings were 0 shares, reflecting disposition of the reported common equity positions.

Which AFBI stock options held by Stone were affected in the merger?

The filing shows stock options over 5,000, 10,500, and 16,747 underlying common shares with exercise prices of $14.4900, $14.8700, and $11.1400. Each option was converted into the right to receive $23.00 in cash less its exercise price.

Were Stone's AFBI transactions made under a Rule 10b5-1 trading plan?

The Form 4 indicates the Rule 10b5-1 checkbox was not selected, so the reported transactions were not affirmed as being made pursuant to a pre-established trading plan under Rule 10b5-1.

What is the relationship between the AFBI merger and Stone's dispositions?

Footnotes state that, pursuant to the merger agreement, each common share and stock option was converted into rights to receive $23.00 in cash (less exercise price for options). Stone’s reported dispositions reflect this conversion of his Affinity Bancshares equity interests into cash rights.
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*
Stone Edward P.

(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)
XDirector10% Owner
Officer (give title below)Other (specify below)
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 Stock08/01/2026D55,281D(1)0D
Common Stock08/01/2026D3,000D(1)0IBy IRA
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$14.4908/01/2026D$5,00011/16/202411/16/2033Common Stock5,000(2)0D
Stock Options$14.8708/01/2026D$10,50005/24/202305/24/2032Common Stock10,500(2)0D
Stock Options$11.1408/01/2026D$16,74704/23/202004/23/2029Common Stock16,747(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.
/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)