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Affinity Bancshares (AFBI) Financials

Affinity Bancshares logo
$22.99 +0.01 (+0.04%)
Closing price 04:00 PM Eastern
Extended Trading
$22.99 0.00 (0.00%)
As of 04:04 PM Eastern
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Annual Income Statements for Affinity Bancshares

Annual Income Statements for Affinity Bancshares

This table shows Affinity Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 0.36 3.09 7.57 7.13 6.45 5.44 8.33
Consolidated Net Income / (Loss)		 0.36 3.09 7.57 7.13 6.45 5.44 8.33
Net Income / (Loss) Continuing Operations		 0.36 3.09 7.57 7.13 6.45 5.44 8.33
Total Pre-Tax Income 		0.33 3.88 9.91 9.33 8.39 6.98 11
Total Revenue		 14 27 32 32 30 31 33
Net Interest Income / (Expense)		 13 25 29 30 27 29 31
Total Interest Income		 15 31 32 32 43 48 51
Loans and Leases Interest Income		 14 30 31 30 35 41 45
Investment Securities Interest Income		 0.36 0.49 0.79 1.32 4.04 4.17 3.21
Deposits and Money Market Investments Interest Income		 0.62 0.21 0.18 0.77 3.24 2.46 2.93
Total Interest Expense		 2.31 5.49 3.18 2.38 16 19 20
Deposits Interest Expense		 2.29 4.75 2.68 3.23 14 16 18
Long-Term Debt Interest Expense		 0.03 0.74 0.50 -0.85 1.41 2.35 2.09
Total Non-Interest Income		 1.65 2.16 2.68 2.40 2.47 2.02 1.92
Service Charges on Deposit Accounts		 0.92 1.36 1.51 1.61 1.62 1.52 1.38
Other Service Charges		 0.58 0.78 1.17 0.79 0.85 0.75 0.80
Net Realized & Unrealized Capital Gains on Investments		 0.15 0.02 - - 0.00 -0.25 -0.26
Provision for Credit Losses		 0.00 2.00 1.08 0.70 -0.04 0.44 0.13
Total Non-Interest Expense		 14 21 21 22 21 24 22
Salaries and Employee Benefits		 7.49 11 11 12 12 13 13
Net Occupancy & Equipment Expense		 3.41 5.16 6.09 4.47 4.53 4.54 4.57
Other Operating Expenses		 2.93 4.12 3.88 5.44 4.54 6.10 4.22
Other Special Charges		 -0.02 0.29 - - 0.00 - 0.00
Income Tax Expense		 -0.03 0.79 2.34 2.19 1.94 1.54 2.91
Basic Earnings per Share		 $0.05 $0.41 $1.10 $1.07 $1.00 $0.85 $1.33
Weighted Average Basic Shares Outstanding		 - 6.76M 6.91M 6.67M 6.48M 6.41M 6.28M
Diluted Earnings per Share		 $0.05 $0.41 $1.09 $1.06 $0.98 $0.83 $1.29
Weighted Average Diluted Shares Outstanding		 - 6.76M 6.97M 6.76M 6.56M 6.58M 6.45M
Weighted Average Basic & Diluted Shares Outstanding		 - 6.76M 6.64M 6.60M 6.42M 6.39M 6.09M

Quarterly Income Statements for Affinity Bancshares

This table shows Affinity Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.62 1.51 1.34 1.03 1.73 1.35 1.83 2.15 2.22 2.13 2.28
Consolidated Net Income / (Loss)		 1.62 1.51 1.34 1.03 1.73 1.35 1.83 2.15 2.22 2.13 2.28
Net Income / (Loss) Continuing Operations		 1.62 1.51 1.34 1.03 1.73 1.35 1.83 2.15 2.22 2.13 2.28
Total Pre-Tax Income 		2.13 1.93 1.76 1.34 2.28 1.60 2.41 2.83 2.92 3.08 3.00
Total Revenue		 7.53 7.31 7.33 8.27 7.98 7.59 7.82 8.32 8.36 8.57 8.12
Net Interest Income / (Expense)		 6.90 6.71 6.75 7.57 7.41 7.44 7.34 7.78 7.77 8.25 7.57
Total Interest Income		 11 11 11 12 12 12 12 13 13 13 12
Loans and Leases Interest Income		 9.11 9.29 9.50 10 11 11 11 11 11 12 11
Investment Securities Interest Income		 1.02 1.09 1.08 1.10 1.04 0.96 0.84 0.86 0.83 0.67 0.47
Deposits and Money Market Investments Interest Income		 0.89 0.71 0.65 0.65 0.67 0.50 0.62 0.77 0.87 0.67 0.75
Total Interest Expense		 4.12 4.38 4.47 4.65 4.89 4.79 4.77 5.05 5.15 4.91 4.78
Deposits Interest Expense		 3.92 4.08 4.00 4.10 4.19 4.17 4.25 4.53 4.63 4.38 4.28
Long-Term Debt Interest Expense		 0.21 0.30 0.47 0.56 0.70 0.63 0.52 0.52 0.53 0.53 0.50
Total Non-Interest Income		 0.63 0.61 0.58 0.71 0.57 0.16 0.48 0.54 0.59 0.32 0.55
Service Charges on Deposit Accounts		 0.43 0.40 0.40 0.39 0.36 0.37 0.32 0.34 0.37 0.36 0.35
Other Service Charges		 0.20 0.21 0.19 0.18 0.20 0.17 0.17 0.20 0.22 0.21 0.21
Net Realized & Unrealized Capital Gains on Investments		 0.00 - 0.00 0.14 0.00 - 0.00 0.00 0.00 -0.26 0.00
Provision for Credit Losses		 0.00 -0.05 0.00 0.21 0.00 0.23 0.05 0.02 0.01 0.05 -0.10
Total Non-Interest Expense		 5.41 5.43 5.57 6.72 5.70 5.77 5.36 5.47 5.43 5.44 5.22
Salaries and Employee Benefits		 3.01 3.21 3.18 3.42 3.26 3.27 3.36 3.26 3.20 3.09 3.02
Net Occupancy & Equipment Expense		 1.16 1.10 1.13 1.12 1.12 1.17 1.15 1.15 1.11 1.17 1.13
Marketing Expense		 0.00 - 0.00 0.00 - - 0.00 0.00 - - 0.00
Other Operating Expenses		 1.24 1.13 1.26 2.18 1.33 1.33 0.85 1.06 1.12 1.19 1.07
Income Tax Expense		 0.50 0.41 0.43 0.31 0.55 0.26 0.58 0.68 0.70 0.95 0.72
Basic Earnings per Share		 $0.25 $0.24 $0.21 $0.16 $0.27 $0.21 $0.29 $0.34 $0.35 $0.35 $0.37
Weighted Average Basic Shares Outstanding		 6.42M 6.48M 6.42M 6.42M 6.41M 6.41M 6.41M 6.31M 6.26M 6.28M 6.10M
Diluted Earnings per Share		 $0.25 $0.23 $0.20 $0.16 $0.26 $0.21 $0.28 $0.33 $0.34 $0.34 $0.36
Weighted Average Diluted Shares Outstanding		 6.49M 6.56M 6.52M 6.54M 6.61M 6.58M 6.55M 6.46M 6.43M 6.45M 6.30M
Weighted Average Basic & Diluted Shares Outstanding		 6.39M 6.42M 6.42M 6.41M 6.41M 6.39M 6.32M 6.29M 6.17M 6.09M 6.09M

Annual Cash Flow Statements for Affinity Bancshares

This table details how cash moves in and out of Affinity Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 11 130 -66 -85 24 -8.60 12
Net Cash From Operating Activities		 1.64 1.37 12 7.57 7.87 6.79 12
Net Cash From Continuing Operating Activities		 1.64 1.37 12 7.57 7.87 6.79 12
Net Income / (Loss) Continuing Operations		 0.36 3.09 7.57 7.13 6.45 5.44 8.33
Consolidated Net Income / (Loss)		 0.36 3.09 7.57 7.13 6.45 5.44 8.33
Provision For Loan Losses		 0.00 2.00 1.08 0.70 -0.04 0.44 0.13
Depreciation Expense		 0.89 0.70 0.67 0.34 0.74 0.74 0.72
Non-Cash Adjustments to Reconcile Net Income		 0.28 0.18 1.14 1.05 1.47 1.55 2.13
Changes in Operating Assets and Liabilities, net		 0.11 -4.59 1.39 -1.65 -0.74 -1.38 0.33
Net Cash From Investing Activities		 -1.38 -110 -9.62 -94 -28 -33 -1.24
Net Cash From Continuing Investing Activities		 -1.38 -110 -9.62 -94 -28 -33 -1.24
Purchase of Property, Leasehold Improvements and Equipment		 -0.38 -0.45 -0.83 -1.39 -0.53 -0.42 -0.42
Purchase of Investment Securities		 -21 -122 -15 -100 -34 -55 -36
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.05 - - - 0.00 0.01
Sale and/or Maturity of Investments		 20 12 6.21 7.40 6.20 23 35
Net Cash From Financing Activities		 11 239 -69 0.70 44 18 2.03
Net Cash From Continuing Financing Activities		 11 239 -69 0.70 44 18 2.03
Net Change in Deposits		 19 152 -25 44 17 -0.96 22
Issuance of Debt		 0.00 147 35 105 85 36 10
Repayment of Debt		 -7.57 -60 -111 -143 -55 -17 -15
Repurchase of Common Equity		 -0.60 - 0.00 -5.71 -3.28 0.00 -5.94
Payment of Dividends		 - - - - - 0.00 -8.80
Other Financing Activities, Net		 0.00 0.00 -4.66 0.03 0.03 0.03 0.09
Cash Interest Paid		 2.26 5.25 3.39 3.10 14 19 19
Cash Income Taxes Paid		 0.09 0.59 2.52 2.15 2.09 2.16 2.07

Quarterly Cash Flow Statements for Affinity Bancshares

This table details how cash moves in and out of Affinity Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -21 -11 11 -11 1.90 -11 33 15 -4.82 -31 36
Net Cash From Operating Activities		 1.73 1.81 1.22 0.62 4.09 0.87 1.92 3.78 3.69 2.26 4.40
Net Cash From Continuing Operating Activities		 1.73 1.81 1.22 0.62 4.09 0.87 1.92 3.78 3.69 2.26 4.40
Net Income / (Loss) Continuing Operations		 1.62 1.51 1.34 1.03 1.73 1.35 1.83 2.15 2.22 2.13 2.28
Consolidated Net Income / (Loss)		 1.62 1.51 1.34 1.03 1.73 1.35 1.83 2.15 2.22 2.13 2.28
Provision For Loan Losses		 - -0.05 0.00 0.21 - 0.23 0.05 0.02 0.01 0.05 -0.10
Depreciation Expense		 0.15 0.16 0.16 0.18 0.17 0.23 0.19 0.18 0.23 0.12 0.19
Non-Cash Adjustments to Reconcile Net Income		 0.24 0.74 0.58 0.18 0.23 0.56 0.52 0.46 0.40 0.75 0.55
Changes in Operating Assets and Liabilities, net		 -0.29 -0.55 -0.86 -0.99 1.96 -1.49 -0.68 0.97 0.83 -0.79 1.48
Net Cash From Investing Activities		 -0.80 1.60 -15 -14 -3.22 -1.45 -11 -6.89 3.40 13 -8.22
Net Cash From Continuing Investing Activities		 -0.80 1.60 -15 -14 -3.22 -1.45 -11 -6.89 3.40 13 -8.22
Purchase of Property, Leasehold Improvements and Equipment		 -0.07 -0.18 -0.13 -0.13 -0.14 -0.02 -0.15 -0.12 -0.07 -0.09 -0.05
Purchase of Investment Securities		 -1.22 -0.05 -15 -18 -5.68 -17 -11 -10 -2.07 -13 -9.46
Sale and/or Maturity of Investments		 0.50 1.82 0.40 4.44 2.59 15 0.29 3.39 5.54 26 1.29
Net Cash From Financing Activities		 -22 -15 25 2.27 1.04 -10 42 18 -12 -46 39
Net Cash From Continuing Financing Activities		 -22 -15 25 2.27 1.04 -10 42 18 -12 -46 39
Net Change in Deposits		 -22 -35 13 2.27 -5.94 -10 57 19 -9.96 -44 39
Issuance of Debt		 - 20 12 10 14 - 0.00 10 - - 10
Repayment of Debt		 -0.03 - 0.00 -10 -7.05 - -4.82 -10 - -0.03 -10
Repurchase of Common Equity		 -0.33 -0.28 0.00 - - - -1.18 -0.97 -1.94 -1.85 -0.02
Payment of Dividends		 - - 0.00 - - - -8.80 - - - 0.00
Other Financing Activities, Net		 0.03 - 0.00 - 0.03 - 0.06 - - 0.03 0.00
Cash Interest Paid		 2.92 4.19 4.79 4.37 4.76 4.99 4.75 4.87 4.92 4.70 4.79
Cash Income Taxes Paid		 0.72 0.55 0.00 1.17 0.30 0.69 0.00 0.05 1.39 0.63 0.00

Annual Balance Sheets for Affinity Bancshares

This table presents Affinity Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 319 851 788 791 843 867 882
Cash and Due from Banks		 3.97 5.55 16 2.93 6.03 7.09 6.92
Interest Bearing Deposits at Other Banks		 44 173 96 23 44 34 47
Trading Account Securities		 3.82 24 49 46 49 37 39
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 637 -8.92 -8.50 -8.99
Allowance for Loan and Lease Losses		 - - - 9.33 8.92 8.50 8.99
Premises and Equipment, Net		 8.51 8.62 3.78 4.26 3.80 3.26 2.84
Intangible Assets		 0.00 19 19 19 18 18 18
Other Assets		 11 29 29 59 731 776 777
Total Liabilities & Shareholders' Equity		 319 851 788 791 843 867 882
Total Liabilities		 242 770 667 674 722 738 755
Non-Interest Bearing Deposits		 30 161 194 190 155 151 133
Interest Bearing Deposits		 209 479 419 467 520 522 562
Long-Term Debt		 0.00 125 49 10 40 59 54
Other Long-Term Liabilities		 - - - 6.98 7.30 5.41 5.67
Total Equity & Noncontrolling Interests		 77 81 121 117 122 129 127
Total Preferred & Common Equity		 77 81 121 117 122 129 127
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 77 81 121 117 122 129 127
Common Stock		 33 34 68 63 61 62 58
Retained Earnings		 48 51 58 65 71 77 76
Accumulated Other Comprehensive Income / (Loss)		 0.01 0.16 -0.36 -6.66 -6.33 -5.71 -3.65
Other Equity Adjustments		 -2.57 -2.45 -5.00 -4.80 -4.59 -4.38 -3.57

Quarterly Balance Sheets for Affinity Bancshares

This table presents Affinity Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 855 870 874 879 912 934 925 925
Cash and Due from Banks		 5.44 6.39 6.16 5.32 6.21 5.88 6.09 5.56
Interest Bearing Deposits at Other Banks		 56 55 44 47 68 84 79 84
Trading Account Securities		 82 48 47 48 41 41 45 37
Loans and Leases, Net of Allowance		 652 666 -8.46 -8.40 -8.46 -8.54 -8.56 -8.89
Allowance for Loan and Lease Losses		 9.21 8.60 8.46 8.40 8.46 8.54 8.56 8.89
Premises and Equipment, Net		 3.87 3.69 3.57 3.47 3.18 3.08 2.96 2.70
Intangible Assets		 18 18 18 18 18 18 18 18
Other Assets		 38 72 763 765 784 791 783 786
Total Liabilities & Shareholders' Equity		 855 870 874 879 912 934 925 925
Total Liabilities		 737 746 749 750 790 810 800 795
Non-Interest Bearing Deposits		 171 165 161 161 154 152 151 151
Interest Bearing Deposits		 538 523 529 522 577 597 589 583
Long-Term Debt		 20 52 52 59 54 54 54 54
Other Long-Term Liabilities		 - 6.97 6.97 7.60 5.93 6.36 6.44 6.88
Total Equity & Noncontrolling Interests		 118 123 125 128 122 124 125 129
Total Preferred & Common Equity		 118 123 125 128 122 124 125 129
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 118 123 125 128 122 124 125 129
Common Stock		 61 61 62 62 62 61 60 58
Retained Earnings		 70 73 74 75 70 72 74 78
Accumulated Other Comprehensive Income / (Loss)		 -7.76 -6.32 -6.00 -4.75 -5.08 -5.00 -4.48 -3.80
Other Equity Adjustments		 -4.64 -4.54 -4.48 -4.43 -4.09 -3.92 -3.74 -3.51

Annual Metrics And Ratios for Affinity Bancshares

This table displays calculated financial ratios and metrics derived from Affinity Bancshares' official financial filings.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 6,872,634.00 6,634,189.00 6,388,309.00 - 6,167,602.00
DEI Adjusted Shares Outstanding		 0.00 0.00 6,872,634.00 6,634,189.00 6,388,309.00 - 6,167,602.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 1.10 1.08 1.01 - 1.35
Growth Metrics		 - - - - - - -
Revenue Growth		 0.00% 90.50% 17.06% 0.64% -7.75% 5.11% 6.03%
EBITDA Growth		 0.00% 277.95% 131.27% -8.69% -5.61% -15.38% 54.88%
EBIT Growth		 0.00% 1,090.18% 155.44% -5.89% -10.07% -16.76% 60.94%
NOPAT Growth		 0.00% 769.86% 145.24% -5.80% -9.62% -15.62% 53.13%
Net Income Growth		 0.00% 769.86% 145.24% -5.80% -9.62% -15.62% 53.13%
EPS Growth		 0.00% 720.00% 165.85% -2.75% -7.55% -15.31% 55.42%
Operating Cash Flow Growth		 0.00% -16.20% 764.41% -36.13% 4.00% -13.73% 71.40%
Free Cash Flow Firm Growth		 0.00% 0.00% 134.54% 15.30% -155.92% 24.94% 172.68%
Invested Capital Growth		 0.00% 166.58% -17.38% -25.20% 27.05% 16.35% -3.68%
Revenue Q/Q Growth		 0.00% 0.00% -0.87% -0.42% 0.72% 0.91% 3.03%
EBITDA Q/Q Growth		 0.00% 0.00% -9.87% 1.78% 0.11% -3.25% 12.94%
EBIT Q/Q Growth		 0.00% 0.00% -1.45% -3.63% 6.58% -4.46% 15.12%
NOPAT Q/Q Growth		 0.00% 0.00% -1.55% 5.64% -2.80% -3.00% 10.43%
Net Income Q/Q Growth		 0.00% 0.00% -1.55% 5.64% -2.80% -3.00% 10.43%
EPS Q/Q Growth		 0.00% 0.00% -0.91% 8.16% -2.97% -2.35% 11.21%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -20.96% 9.49% 45.35% -12.20% 13.63%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -0.58% -322.01% 51.35% -0.57%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.73% 1.52% 16.64% 0.39% 0.90%
Profitability Metrics		 - - - - - - -
EBITDA Margin		 8.45% 16.77% 33.13% 30.06% 30.75% 24.76% 36.17%
EBIT Margin		 2.27% 14.21% 31.02% 29.00% 28.28% 22.39% 33.99%
Profit (Net Income) Margin		 2.48% 11.31% 23.70% 22.18% 21.74% 17.45% 25.20%
Tax Burden Percent		 108.90% 79.59% 76.41% 76.49% 76.87% 77.93% 74.15%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -8.90% 20.41% 23.59% 23.51% 23.13% 22.07% 25.85%
Return on Invested Capital (ROIC)		 0.46% 2.18% 4.03% 4.80% 4.47% 3.11% 4.52%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 2.18% 4.03% 4.80% 4.47% 3.11% 4.52%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 1.73% 3.48% 1.19% 0.94% 1.23% 1.99%
Return on Equity (ROE)		 0.00% 3.91% 7.51% 5.99% 5.40% 4.34% 6.51%
Cash Return on Invested Capital (CROIC)		 0.00% -88.70% 23.07% 33.63% -19.36% -12.00% 8.26%
Operating Return on Assets (OROA)		 0.10% 0.66% 1.21% 1.18% 1.03% 0.82% 1.29%
Return on Assets (ROA)		 0.11% 0.53% 0.92% 0.90% 0.79% 0.64% 0.95%
Return on Common Equity (ROCE)		 0.00% 3.91% 7.51% 5.99% 5.40% 4.34% 6.51%
Return on Equity Simple (ROE_SIMPLE)		 0.46% 3.82% 6.26% 6.09% 5.31% 4.21% 6.56%
Net Operating Profit after Tax (NOPAT)		 0.36 3.09 7.57 7.13 6.45 5.44 8.33
NOPAT Margin		 2.48% 11.31% 23.70% 22.18% 21.74% 17.45% 25.20%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 77.07% 60.85% 53.48% 51.90% 56.57% 56.65% 52.86%
Operating Expenses to Revenue		 97.73% 78.46% 65.62% 68.81% 71.86% 76.20% 65.63%
Earnings before Interest and Taxes (EBIT)		 0.33 3.88 9.91 9.33 8.39 6.98 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.21 4.58 11 9.67 9.12 7.72 12
Valuation Ratios		 - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.87 0.86 0.78 0.80 0.99
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.04 1.02 0.91 0.94 1.16
Price to Revenue (P/Rev)		 0.00 0.00 3.31 3.12 3.18 3.33 3.82
Price to Earnings (P/E)		 0.00 0.00 13.98 14.04 14.63 19.07 15.15
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 7.33%
Earnings Yield		 0.00% 0.00% 7.16% 7.12% 6.84% 5.24% 6.60%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.25 0.66 0.52 0.64 0.70
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 1.35 2.61 2.84 3.89 3.82
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 4.07 8.68 9.24 15.69 10.57
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 4.34 8.99 10.05 17.35 11.25
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 5.68 11.76 13.07 22.27 15.17
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 3.63 11.08 10.71 17.84 10.86
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.99 1.68 0.00 0.00 8.29
Leverage & Solvency		 - - - - - - -
Debt to Equity		 0.00 1.55 0.41 0.09 0.33 0.46 0.43
Long-Term Debt to Equity		 0.00 1.55 0.41 0.09 0.33 0.46 0.43
Financial Leverage		 0.00 0.79 0.86 0.25 0.21 0.39 0.44
Leverage Ratio		 4.14 7.41 8.12 6.63 6.85 6.82 6.83
Compound Leverage Factor		 4.14 7.41 8.12 6.63 6.85 6.82 6.83
Debt to Total Capital		 0.00% 60.73% 28.82% 7.89% 24.77% 31.30% 29.83%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 60.73% 28.82% 7.89% 24.77% 31.30% 29.83%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 39.27% 71.18% 92.11% 75.23% 68.70% 70.17%
Debt to EBITDA		 0.00 27.30 4.63 1.04 4.38 7.62 4.52
Net Debt to EBITDA		 0.00 -11.65 -5.93 -1.69 -1.10 2.25 0.01
Long-Term Debt to EBITDA		 0.00 27.30 4.63 1.04 4.38 7.62 4.52
Debt to NOPAT		 0.00 40.46 6.47 1.41 6.20 10.81 6.48
Net Debt to NOPAT		 0.00 -17.27 -8.29 -2.28 -1.55 3.20 0.02
Long-Term Debt to NOPAT		 0.00 40.46 6.47 1.41 6.20 10.81 6.48
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - -
Cash Flow Metrics		 - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -125 43 50 -28 -21 15
Operating Cash Flow to CapEx		 433.95% 339.36% 1,427.83% 542.97% 1,493.74% 1,609.24% 2,825.24%
Free Cash Flow to Firm to Interest Expense		 0.00 -22.85 13.64 21.00 -1.80 -1.12 0.77
Operating Cash Flow to Interest Expense		 0.71 0.25 3.73 3.18 0.51 0.36 0.59
Operating Cash Flow Less CapEx to Interest Expense		 0.54 0.18 3.47 2.60 0.47 0.34 0.57
Efficiency Ratios		 - - - - - - -
Asset Turnover		 0.04 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.68 3.19 5.15 8.00 7.37 8.84 10.85
Capital & Investment Metrics		 - - - - - - -
Invested Capital		 77 206 170 127 162 188 181
Invested Capital Turnover		 0.19 0.19 0.17 0.22 0.21 0.18 0.18
Increase / (Decrease) in Invested Capital		 0.00 129 -36 -43 34 26 -6.91
Enterprise Value (EV)		 0.00 0.00 43 84 84 121 126
Market Capitalization		 0.00 0.00 106 100 94 104 126
Book Value per Share		 $0.00 $11.96 $17.60 $17.65 $19.02 $20.14 $20.59
Tangible Book Value per Share		 $0.00 $9.16 $14.87 $14.85 $16.15 $17.30 $17.68
Total Capital		 77 206 170 127 162 188 181
Total Debt		 0.00 125 49 10 40 59 54
Total Long-Term Debt		 0.00 125 49 10 40 59 54
Net Debt		 -48 -53 -63 -16 -10 17 0.15
Capital Expenditures (CapEx)		 0.38 0.40 0.83 1.39 0.53 0.42 0.41
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 125 49 10 40 59 54
Total Depreciation and Amortization (D&A)		 0.89 0.70 0.67 0.34 0.74 0.74 0.72
Earnings Adjustments		 - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.41 $1.10 $1.07 $1.00 $0.85 $1.33
Adjusted Weighted Average Basic Shares Outstanding		 0.00 6.76M 6.64M 6.67M 6.48M 6.41M 6.28M
Adjusted Diluted Earnings per Share		 $0.00 $0.41 $1.09 $1.06 $0.98 $0.83 $1.29
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 6.76M 6.64M 6.76M 6.56M 6.58M 6.45M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.41 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 6.76M 6.64M 6.60M 6.42M 6.39M 6.09M
Normalized Net Operating Profit after Tax (NOPAT)		 0.21 3.32 7.57 7.13 6.45 5.44 8.33
Normalized NOPAT Margin		 1.49% 12.15% 23.70% 22.18% 21.74% 17.45% 25.20%
Pre Tax Income Margin		 2.27% 14.21% 31.02% 29.00% 28.28% 22.39% 33.99%
Debt Service Ratios		 - - - - - - -
EBIT to Interest Expense		 0.14 0.71 3.12 3.92 0.54 0.37 0.57
NOPAT to Interest Expense		 0.15 0.56 2.38 3.00 0.42 0.29 0.42
EBIT Less CapEx to Interest Expense		 -0.02 0.63 2.86 3.33 0.51 0.35 0.54
NOPAT Less CapEx to Interest Expense		 -0.01 0.49 2.12 2.41 0.38 0.27 0.40
Payout Ratios		 - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 105.63%
Augmented Payout Ratio		 169.01% 0.00% 0.00% 80.03% 50.92% 0.00% 176.94%

Quarterly Metrics And Ratios for Affinity Bancshares

This table displays calculated financial ratios and metrics derived from Affinity Bancshares' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 6,421,700.00 6,388,309.00 6,416,628.00 6,416,628.00 6,412,430.00 - 6,387,329.00 6,316,088.00 6,292,422.00 6,167,602.00 6,094,885.00
DEI Adjusted Shares Outstanding		 6,421,700.00 6,388,309.00 6,416,628.00 6,416,628.00 6,412,430.00 - 6,387,329.00 6,316,088.00 6,292,422.00 6,167,602.00 6,094,885.00
DEI Earnings Per Adjusted Shares Outstanding		 0.25 0.24 0.21 0.16 0.27 - 0.29 0.34 0.35 0.35 0.37
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -7.24% 2.99% -1.57% 12.25% 5.96% 3.86% 6.61% 0.53% 4.74% 12.81% 3.82%
EBITDA Growth		 -16.17% 0.48% -20.85% -34.65% 7.51% -12.46% 35.17% 98.03% 28.52% 75.03% 22.71%
EBIT Growth		 -12.98% 36.76% -21.61% -35.70% 7.11% -16.92% 36.64% 111.18% 28.16% 92.19% 24.62%
NOPAT Growth		 -12.79% -10.95% -22.47% -35.16% 6.59% -11.10% 37.15% 108.73% 28.15% 58.51% 24.74%
Net Income Growth		 -12.79% -10.95% -22.47% -35.16% 6.59% -11.10% 37.15% 108.73% 28.15% 58.51% 24.74%
EPS Growth		 -7.41% -11.54% -23.08% -33.33% 4.00% -8.70% 40.00% 106.25% 30.77% 61.90% 28.57%
Operating Cash Flow Growth		 -26.49% 380.19% -39.12% -73.48% 136.55% -52.21% 57.52% 509.85% -9.85% 161.39% 129.68%
Free Cash Flow Firm Growth		 -125.64% -173.83% 98.91% -3,778.53% -303.93% 23.75% 240.04% 102.52% 121.29% 136.07% -811.32%
Invested Capital Growth		 10.59% 27.05% 1.05% 28.25% 35.18% 16.35% 0.65% 0.68% -4.16% -3.68% 4.08%
Revenue Q/Q Growth		 2.17% -2.91% 0.29% 12.83% -3.55% -4.84% 2.95% 6.40% 0.48% 2.50% -5.25%
EBITDA Q/Q Growth		 -2.28% -8.35% -7.72% -20.94% 60.78% -25.38% 42.50% 15.83% 4.35% 1.62% -0.09%
EBIT Q/Q Growth		 1.82% -9.32% -8.51% -23.88% 69.60% -29.66% 50.47% 17.64% 2.93% 5.49% -2.44%
NOPAT Q/Q Growth		 2.08% -6.78% -11.76% -22.77% 67.80% -22.25% 36.13% 17.53% 3.02% -3.83% 7.13%
Net Income Q/Q Growth		 2.08% -6.78% -11.76% -22.77% 67.80% -22.25% 36.13% 17.53% 3.02% -3.83% 7.13%
EPS Q/Q Growth		 4.17% -8.00% -13.04% -20.00% 62.50% -19.23% 33.33% 17.86% 3.03% 0.00% 5.88%
Operating Cash Flow Q/Q Growth		 -25.92% 4.68% -32.76% -49.14% 560.74% -78.85% 121.62% 96.92% -2.33% -38.68% 94.74%
Free Cash Flow Firm Q/Q Growth		 -1,089.37% -182.63% 98.50% -7,609.76% -23.87% 46.65% 102.75% 38.46% 948.53% -9.60% -154.20%
Invested Capital Q/Q Growth		 0.39% 16.64% 8.43% 1.01% 5.82% 0.39% -6.20% 1.03% 0.73% 0.90% 1.35%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.22% 28.53% 26.25% 18.40% 30.66% 24.05% 33.28% 36.23% 37.63% 37.31% 39.34%
EBIT Margin		 28.22% 26.35% 24.04% 16.22% 28.52% 21.08% 30.81% 34.07% 34.90% 35.92% 36.98%
Profit (Net Income) Margin		 21.55% 20.69% 18.21% 12.46% 21.68% 17.71% 23.42% 25.87% 26.53% 24.89% 28.14%
Tax Burden Percent		 76.38% 78.52% 75.72% 76.83% 76.01% 84.01% 76.01% 75.94% 76.00% 69.29% 76.08%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.62% 21.48% 24.28% 23.17% 23.99% 15.99% 23.99% 24.06% 24.00% 30.71% 23.92%
Return on Invested Capital (ROIC)		 4.81% 4.25% 3.09% 2.41% 4.11% 3.16% 4.22% 4.62% 4.64% 4.46% 5.22%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.81% 4.25% 3.09% 2.41% 4.11% 3.16% 4.22% 4.62% 4.64% 4.46% 5.22%
Return on Net Nonoperating Assets (RNNOA)		 0.62% 0.89% 1.37% 0.71% 1.31% 1.25% 1.82% 1.96% 2.06% 1.96% 2.24%
Return on Equity (ROE)		 5.43% 5.14% 4.45% 3.12% 5.43% 4.41% 6.04% 6.59% 6.71% 6.42% 7.46%
Cash Return on Invested Capital (CROIC)		 -5.02% -19.36% 2.43% -21.26% -26.47% -12.00% 2.73% 3.30% 8.36% 8.26% 0.89%
Operating Return on Assets (OROA)		 1.02% 0.96% 0.79% 0.56% 1.02% 0.77% 1.10% 1.20% 1.24% 1.36% 1.34%
Return on Assets (ROA)		 0.78% 0.75% 0.60% 0.43% 0.77% 0.65% 0.83% 0.91% 0.94% 0.94% 1.02%
Return on Common Equity (ROCE)		 5.43% 5.14% 4.45% 3.12% 5.43% 4.41% 6.04% 6.59% 6.71% 6.42% 7.46%
Return on Equity Simple (ROE_SIMPLE)		 5.60% 0.00% 4.92% 4.40% 4.37% 0.00% 4.86% 5.69% 6.02% 0.00% 6.79%
Net Operating Profit after Tax (NOPAT)		 1.62 1.51 1.34 1.03 1.73 1.35 1.83 2.15 2.22 2.13 2.28
NOPAT Margin		 21.55% 20.69% 18.21% 12.46% 21.68% 17.71% 23.42% 25.87% 26.53% 24.89% 28.14%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 55.36% 58.93% 58.75% 54.87% 54.85% 58.45% 57.65% 52.96% 51.54% 49.67% 51.08%
Operating Expenses to Revenue		 71.78% 74.32% 75.96% 81.21% 71.48% 75.95% 68.55% 65.72% 64.96% 63.55% 64.25%
Earnings before Interest and Taxes (EBIT)		 2.13 1.93 1.76 1.34 2.28 1.60 2.41 2.83 2.92 3.08 3.00
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.28 2.09 1.93 1.52 2.45 1.83 2.60 3.01 3.15 3.20 3.19
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.80 0.78 0.80 1.01 0.99 0.80 0.93 0.94 0.99 0.99 1.05
Price to Tangible Book Value (P/TBV)		 0.95 0.91 0.94 1.18 1.15 0.94 1.09 1.10 1.16 1.16 1.22
Price to Revenue (P/Rev)		 3.22 3.18 3.32 4.13 4.11 3.33 3.58 3.66 3.87 3.82 4.07
Price to Earnings (P/E)		 18.89 14.63 16.20 22.86 22.63 19.07 19.11 16.45 16.45 15.15 15.44
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 8.45% 8.16% 7.61% 7.33% 0.00%
Earnings Yield		 5.29% 6.84% 6.17% 4.37% 4.42% 5.24% 5.23% 6.08% 6.08% 6.60% 6.48%
Enterprise Value to Invested Capital (EV/IC)		 0.39 0.52 0.51 0.72 0.71 0.64 0.53 0.45 0.52 0.70 0.55
Enterprise Value to Revenue (EV/Rev)		 1.82 2.84 3.00 4.18 4.32 3.89 2.93 2.54 2.91 3.82 3.01
Enterprise Value to EBITDA (EV/EBITDA)		 5.87 9.24 10.29 16.29 16.72 15.69 11.04 8.13 8.81 10.57 7.99
Enterprise Value to EBIT (EV/EBIT)		 6.79 10.05 11.22 17.77 18.26 17.35 12.16 8.82 9.55 11.25 8.48
Enterprise Value to NOPAT (EV/NOPAT)		 8.06 13.07 14.62 23.12 23.79 22.27 15.62 11.39 12.36 15.17 11.42
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.87 10.71 12.50 23.67 17.25 17.84 12.38 7.55 9.10 10.86 7.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 20.93 0.00 0.00 0.00 19.34 13.72 6.08 8.29 62.70
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.17 0.33 0.42 0.41 0.46 0.46 0.44 0.44 0.43 0.43 0.42
Long-Term Debt to Equity		 0.17 0.33 0.42 0.41 0.46 0.46 0.44 0.44 0.43 0.43 0.42
Financial Leverage		 0.13 0.21 0.44 0.30 0.32 0.39 0.43 0.42 0.44 0.44 0.43
Leverage Ratio		 6.98 6.85 7.46 7.20 7.02 6.82 7.26 7.25 7.11 6.83 7.30
Compound Leverage Factor		 6.98 6.85 7.46 7.20 7.02 6.82 7.26 7.25 7.11 6.83 7.30
Debt to Total Capital		 14.44% 24.77% 29.60% 29.30% 31.42% 31.30% 30.63% 30.32% 30.10% 29.83% 29.43%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 14.44% 24.77% 29.60% 29.30% 31.42% 31.30% 30.63% 30.32% 30.10% 29.83% 29.43%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 85.56% 75.23% 70.40% 70.70% 68.58% 68.70% 69.37% 69.68% 69.90% 70.17% 70.57%
Debt to EBITDA		 2.19 4.38 6.02 6.64 7.37 7.62 6.43 5.46 5.10 4.52 4.30
Net Debt to EBITDA		 -4.55 -1.10 -1.11 0.18 0.82 2.25 -2.47 -3.61 -2.91 0.01 -2.82
Long-Term Debt to EBITDA		 2.19 4.38 6.02 6.64 7.37 7.62 6.43 5.46 5.10 4.52 4.30
Debt to NOPAT		 3.01 6.20 8.55 9.42 10.49 10.81 9.10 7.65 7.16 6.48 6.15
Net Debt to NOPAT		 -6.26 -1.55 -1.58 0.26 1.16 3.20 -3.49 -5.05 -4.09 0.02 -4.02
Long-Term Debt to NOPAT		 3.01 6.20 8.55 9.42 10.49 10.81 9.10 7.65 7.16 6.48 6.15
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -12 -33 -0.49 -38 -47 -25 0.69 0.95 10 9.04 -4.90
Operating Cash Flow to CapEx		 2,580.60% 1,034.29% 921.97% 476.15% 2,985.40% 3,760.87% 1,322.07% 3,282.61% 5,343.48% 2,431.18% 9,784.44%
Free Cash Flow to Firm to Interest Expense		 -2.82 -7.51 -0.11 -8.15 -9.61 -5.23 0.14 0.19 1.94 1.84 -1.02
Operating Cash Flow to Interest Expense		 0.42 0.41 0.27 0.13 0.84 0.18 0.40 0.75 0.72 0.46 0.92
Operating Cash Flow Less CapEx to Interest Expense		 0.40 0.37 0.24 0.11 0.81 0.18 0.37 0.73 0.70 0.44 0.91
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 7.42 7.37 7.53 7.99 8.42 8.84 9.22 9.55 9.99 10.85 11.35
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 138 162 175 177 187 188 176 178 179 181 183
Invested Capital Turnover		 0.22 0.21 0.17 0.19 0.19 0.18 0.18 0.18 0.18 0.18 0.19
Increase / (Decrease) in Invested Capital		 13 34 1.83 39 49 26 1.14 1.20 -7.79 -6.91 7.19
Enterprise Value (EV)		 53 84 89 127 133 121 93 80 93 126 100
Market Capitalization		 95 94 98 126 127 104 113 116 124 126 136
Book Value per Share		 $18.45 $19.02 $19.22 $19.49 $20.02 $20.14 $19.09 $19.65 $19.93 $20.59 $21.24
Tangible Book Value per Share		 $15.58 $16.15 $16.36 $16.64 $17.18 $17.30 $16.26 $16.79 $17.06 $17.68 $18.30
Total Capital		 138 162 175 177 187 188 176 178 179 181 183
Total Debt		 20 40 52 52 59 59 54 54 54 54 54
Total Long-Term Debt		 20 40 52 52 59 59 54 54 54 54 54
Net Debt		 -42 -10 -9.56 1.44 6.52 17 -21 -36 -31 0.15 -35
Capital Expenditures (CapEx)		 0.07 0.18 0.13 0.13 0.14 0.02 0.15 0.12 0.07 0.09 0.05
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 20 40 52 52 59 59 54 54 54 54 54
Total Depreciation and Amortization (D&A)		 0.15 0.16 0.16 0.18 0.17 0.23 0.19 0.18 0.23 0.12 0.19
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.25 $0.24 $0.21 $0.16 $0.27 $0.21 $0.29 $0.34 $0.35 $0.35 $0.37
Adjusted Weighted Average Basic Shares Outstanding		 6.42M 6.48M 6.42M 6.42M 6.41M 6.41M 6.41M 6.31M 6.26M 6.28M 6.10M
Adjusted Diluted Earnings per Share		 $0.25 $0.23 $0.20 $0.16 $0.26 $0.21 $0.28 $0.33 $0.34 $0.34 $0.36
Adjusted Weighted Average Diluted Shares Outstanding		 6.49M 6.56M 6.52M 6.54M 6.61M 6.58M 6.55M 6.46M 6.43M 6.45M 6.30M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.39M 6.42M 6.42M 6.41M 6.41M 6.39M 6.32M 6.29M 6.17M 6.09M 6.09M
Normalized Net Operating Profit after Tax (NOPAT)		 1.62 1.51 1.34 1.03 1.73 1.35 1.83 2.15 2.22 2.13 2.28
Normalized NOPAT Margin		 21.55% 20.69% 18.21% 12.46% 21.68% 17.71% 23.42% 25.87% 26.53% 24.89% 28.14%
Pre Tax Income Margin		 28.22% 26.35% 24.04% 16.22% 28.52% 21.08% 30.81% 34.07% 34.90% 35.92% 36.98%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.52 0.44 0.39 0.29 0.47 0.33 0.51 0.56 0.57 0.63 0.63
NOPAT to Interest Expense		 0.39 0.35 0.30 0.22 0.35 0.28 0.38 0.43 0.43 0.43 0.48
EBIT Less CapEx to Interest Expense		 0.50 0.40 0.36 0.26 0.44 0.33 0.47 0.54 0.55 0.61 0.62
NOPAT Less CapEx to Interest Expense		 0.38 0.31 0.27 0.19 0.33 0.28 0.35 0.40 0.42 0.42 0.47
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 148.24% 0.00% 0.00% 105.63% 0.00%
Augmented Payout Ratio		 51.48% 50.92% 39.86% 11.12% 5.06% 0.00% 168.13% 30.43% 54.23% 176.94% 54.37%

Financials Breakdown Chart

Key Financial Trends

Affinity Bancshares (NASDAQ: AFBI) continued to post solid profitability in Q1 2026, with net income of $2.28 million versus $2.13 million in Q4 2025 and $1.83 million in Q1 2025. Revenue and earnings remain stable, but the bigger story is the balance sheet: deposits surged sharply in the latest quarter, while equity ticked up only modestly.

  • Q1 2026 net income rose to $2.28 million, up from $2.13 million in Q4 2025 and well above $1.83 million in Q1 2025, showing continued earnings durability.
  • Operating cash flow was strong at $4.4 million, indicating the bank is converting earnings into cash effectively.
  • Net interest income improved to $7.57 million in Q1 2026, supported by disciplined funding costs and healthy loan yield generation.
  • Non-interest income remained positive at $552,000, helping diversify earnings beyond lending.
  • Deposits increased by $39.3 million in Q1 2026, a significant balance sheet expansion that can support future lending and liquidity.
  • Provision for credit losses stayed low at $100,000, suggesting credit quality remained manageable in the quarter.
  • Non-interest expense was fairly steady at $5.22 million, showing no major cost spike in the latest quarter.
  • Cash and equivalents declined to $5.56 million from $6.09 million in Q3 2025, but the bank still carried substantial liquidity elsewhere on the balance sheet.
  • Investment securities purchases were large at $9.46 million, contributing to an $8.22 million outflow from investing activities in Q1 2026.
  • Equity remained relatively thin versus assets, with total common equity of $129.5 million against $924.7 million in assets, which is typical for a bank but still a key leverage consideration.

Looking at the last four years, AFBI has shown a generally steady earnings profile, with quarterly net income usually ranging around the low-to-mid $1 million to low-$2 million area, then improving into 2025 and early 2026. Net interest income has also been relatively stable, while deposit trends have been more volatile quarter to quarter.

Trend takeaway: AFBI appears to be a profitable community bank with consistent core earnings, decent cash generation, and a recent surge in deposits. The main points investors should watch are whether deposit growth can be sustained, whether investment-related cash usage remains high, and whether earnings continue to climb without a meaningful rise in credit costs or expenses.

07/28/26 03:34 PM ETAI Generated. May Contain Errors.

Affinity Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Affinity Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Affinity Bancshares' net income appears to be on an upward trend, with a most recent value of $8.33 million in 2025, rising from $355 thousand in 2019. The previous period was $5.44 million in 2024. Check out Affinity Bancshares' forecast to explore projected trends and price targets.

Over the last 6 years, Affinity Bancshares' total revenue changed from $14.33 million in 2019 to $33.06 million in 2025, a change of 130.7%.

Affinity Bancshares' total liabilities were at $754.68 million at the end of 2025, a 2.3% increase from 2024, and a 211.7% increase since 2019.

In the past 6 years, Affinity Bancshares' cash and equivalents has ranged from $2.93 million in 2022 to $16.24 million in 2021, and is currently $6.92 million as of their latest financial filing in 2025.

Over the last 6 years, Affinity Bancshares' book value per share changed from 0.00 in 2019 to 20.59 in 2025, a change of 2,059.5%.


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Financial statements for NASDAQ:AFBI last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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