AFBI · Affinity Bancshares, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $834.0K | $948.0K | $980.0K | $905.0K | $950.0K | $957.0K |
| Operating Income | $11.24M | $6.98M | $8.39M | $9.33M | $9.91M | $3.88M |
| Interest Expense | - | - | $15.50M | $2.38M | $3.18M | $5.49M |
| Income Tax | $2.90M | $1.54M | $1.94M | $2.19M | $2.34M | $792.0K |
| Net Income | $8.33M | $5.44M | $6.45M | $7.13M | $7.57M | $3.09M |
| EPS - Basic | $1.33 | $0.85 | $1.00 | $1.07 | $0.41 | - |
| EPS - Diluted | $1.29 | $0.83 | $0.98 | $1.06 | $0.41 | - |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $53.85M | $41.42M | $50.02M | $26.32M | $111.78M | $48.12M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $881.70M | $866.82M | $843.26M | $791.28M | $788.09M | $319.29M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $754.68M | $737.70M | $721.74M | $674.18M | $667.12M | $242.13M |
| Stockholders' Equity | $127.02M | $129.12M | $121.52M | $117.10M | $120.97M | $76.40M |
| Retained Earnings | $76.11M | $76.79M | $71.34M | $65.36M | $58.22M | $47.56M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $11.64M | $6.79M | $7.87M | $7.57M | $11.85M | $1.37M |
| Investing Cash Flow | ($1.24M) | ($33.24M) | ($28.14M) | ($93.72M) | ($9.62M) | ($110.38M) |
| Financing Cash Flow | $2.02M | $17.85M | $43.97M | $701.0K | ($68.70M) | $239.15M |
| CapEx | $422.0K | $422.0K | $527.0K | $1.39M | $830.0K | $451.0K |
| Free Cash Flow | $11.22M | $6.37M | $7.34M | $6.17M | $11.02M | $920.0K |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.35 | 1.17 | 1.14 | 0.87 | 1.46 | 0.30 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 25.9% | 22.1% | 23.1% | 23.5% | 23.6% | 20.4% |
| Return on assets | 0.9% | 0.6% | 0.8% | 0.9% | 1.0% | 1.0% |
| Return on equity | 6.6% | 4.2% | 5.3% | 6.1% | 6.3% | 4.0% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.5x | 3.9x | 3.1x | 0.7x |
| Equity multiplier | 6.94 | 6.71 | 6.94 | 6.76 | 6.51 | 4.18 |
| Liabilities / Assets | 0.86 | 0.85 | 0.86 | 0.85 | 0.85 | 0.76 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 15.9x | 21.1x | 16.3x | 14.2x | 37.6x | - |
| P / B | 1.0x | 0.9x | 0.9x | 0.9x | 0.9x | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 6.5x | 9.3x | 5.8x | 7.4x | -0.8x | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 60.9% | -16.8% | -10.1% | -5.9% | 155.4% | - |
| Net income growth (YoY) | 53.1% | -15.6% | -9.6% | -5.8% | 145.2% | - |
| EPS growth (YoY) | 55.4% | -15.3% | -7.5% | 158.5% | - | - |
| EPS CAGR (3y) | 6.8% | 26.5% | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - |
| FCF growth (YoY) | 76.1% | -13.3% | 18.9% | -44.0% | 1097.9% | - |
| FCF CAGR (5y) | 64.9% | - | - | - | - | - |
| Book value growth (YoY) | -1.6% | 6.3% | 3.8% | -3.2% | 58.3% | - |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: Savings Institutions, Not Federally Chartered
Comparing Affinity Bancshares against the 5 most active filers in the same SIC group.
Dividends
$0.00/share trailing 12 months · -100.0% YoY
| Ex-date | Per share |
|---|---|
| Mar 13, 2025 | $1.5000 |