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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $3.00M | - | $2.92M | $2.83M | $2.41M | - | $2.28M | $1.34M | $1.76M | - |
| Interest Expense | - | - | - | - | - | - | - | $4.65M | $4.47M | - |
| Income Tax | $718.0K | - | $700.0K | $682.0K | $578.0K | - | $546.0K | $311.0K | $428.0K | - |
| Net Income | $2.28M | - | $2.22M | $2.15M | $1.83M | - | $1.73M | $1.03M | $1.33M | - |
| EPS - Basic | $0.37 | - | $0.35 | $0.34 | $0.29 | - | $0.27 | $0.16 | $0.21 | - |
| EPS - Diluted | $0.36 | - | $0.34 | $0.33 | $0.28 | - | $0.26 | $0.16 | $0.20 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $89.35M | $53.85M | $84.84M | $89.67M | $74.70M | $41.42M | $52.30M | $50.40M | $61.40M | $50.02M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $924.68M | $881.70M | $925.22M | $933.80M | $912.50M | $866.82M | $878.56M | $873.58M | $869.55M | $843.26M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $795.21M | $754.68M | $799.82M | $809.70M | $790.22M | $737.70M | $750.18M | $748.52M | $746.25M | $721.74M |
| Stockholders' Equity | $129.46M | $127.02M | $125.41M | $124.10M | $122.28M | $129.12M | $128.38M | $125.06M | $123.30M | $121.52M |
| Retained Earnings | $78.39M | $76.11M | $73.98M | $71.76M | $69.60M | $76.79M | $75.44M | $73.71M | $72.68M | $71.34M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.40M | - | - | - | $1.92M | - | - | - | $1.22M | - |
| Investing Cash Flow | ($8.22M) | - | - | - | ($10.71M) | - | - | - | ($14.69M) | - |
| Financing Cash Flow | $39.32M | - | - | - | $42.07M | - | - | - | $24.84M | - |
| CapEx | $45.0K | - | - | - | $145.0K | - | - | - | $132.0K | - |
| Free Cash Flow | $4.36M | - | - | - | $1.77M | - | - | - | $1.08M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.91 | - | - | - | 0.97 | - | - | - | 0.81 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 23.9% | - | 24.0% | 24.1% | 24.0% | - | 24.0% | 23.2% | 24.3% | - |
| Return on assets | 0.2% | - | 0.2% | 0.2% | 0.2% | - | 0.2% | 0.1% | 0.2% | - |
| Return on equity | 1.8% | - | 1.8% | 1.7% | 1.5% | - | 1.3% | 0.8% | 1.1% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.3x | 0.4x | - |
| Equity multiplier | 7.14 | 6.94 | 7.38 | 7.52 | 7.46 | 6.71 | 6.84 | 6.99 | 7.05 | 6.94 |
| Liabilities / Assets | 0.86 | 0.86 | 0.86 | 0.87 | 0.87 | 0.85 | 0.85 | 0.86 | 0.86 | 0.86 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 61.8x | - | 58.0x | 55.7x | 63.4x | - | 82.3x | 132.5x | 82.7x | - |
| P / B | 1.1x | - | 1.0x | 1.0x | 1.0x | - | 1.1x | 1.1x | 0.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 24.6% | - | 28.2% | 111.2% | 36.6% | - | 7.1% | -35.7% | -21.6% | - |
| Net income growth (YoY) | 24.7% | - | 28.2% | 108.7% | 37.2% | - | 6.6% | -35.2% | -22.5% | - |
| EPS growth (YoY) | 28.6% | - | 30.8% | 106.3% | 40.0% | - | 4.0% | -33.3% | -23.1% | - |
| EPS CAGR (3y) | 11.5% | - | 8.0% | 6.9% | 2.5% | - | 1.3% | 0.0% | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | 145.9% | - | - | - | 63.3% | - | - | - | -41.4% | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 5.9% | -1.6% | -2.3% | -0.8% | -0.8% | 6.3% | 8.4% | 6.0% | 4.2% | 3.8% |
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 |