Affinity Bancshares, Inc.

AFBI

Affinity Bancshares, Inc.

AFBI

Insider Sentiment (TTM):

Last Purchase:2025-06-02Last Sale:2025-08-25Shares Purchased (TTM):0Shares Sold (TTM):7,565

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:1,488,915Shares Outstanding:6,095,117Institutional Ownership Pct.:24.43%

Earnings Market Reaction:

Filing Date:2026-05-08Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Cash And Due From Banks	6	7	6	6	6	7	5	6	6	6	5	7
Interest Bearing Deposits In Banks	84	47	79	84	68	34	47	44	55	44	56	76
Cash And Cash Equivalents At Carrying Value	89	54	85	90	75	41	52	50	61	50	62	83
Available For Sale Securities Debt Securities	37	39	45	41	41	37	48	47	48	49	48	50
Debt Securities Held To Maturity Amortized Cost Af…	-	0	19	24	27	27	32	34	34	34	34	34
Other Investments	6	6	6	6	6	6	6	5	5	5	5	2
Loans And Leases Receivable Gross Carrying Amount	-	-	-	-	-	-	-	-	674	660	661	663
Assets
Assets	925	882	925	934	912	867	879	874	870	843	855	877
Notes Receivable Gross	752	743	730	731	721	714	698	693	-	660	-	-
Financing Receivable Allowance For Credit Losses	-9	-9	-9	-9	-8	-8	-8	-8	-9	-9	-9	-9
Notes Receivable Net	743	734	721	723	713	706	689	684	666	651	652	654
Other Real Estate	-	-	-	-	-	-	0	0	3	3	3	3
Property Plant And Equipment Net	3	3	3	3	3	3	3	4	4	4	4	4
Bank Owned Life Insurance	17	17	17	17	17	16	16	16	16	16	16	16
Intangible Assets Net Including Goodwill	18	18	18	18	18	18	18	18	18	18	18	18
Other Assets	11	11	11	12	13	12	12	14	13	13	14	13
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	151	133	151	152	154	151	161	161	165	155	171	175
Interest Bearing Deposit Liabilities	87	83	87	84	84	74	88	89	87	85	92	93
Deposits Money Market Deposits	170	157	176	168	164	149	151	147	145	139	144	141
Deposits Savings Deposits	103	97	94	89	81	76	69	74	74	75	79	86
Liabilities
Liabilities	795	755	800	810	790	738	750	749	746	722	737	759
Time Deposits	223	225	232	257	247	223	214	218	217	221	222	236
Deposits	734	695	739	749	730	673	684	690	687	674	709	731
Advances From Federal Home Loan Banks	54	54	54	54	54	59	59	52	52	40	20	20
Accrued Liabilities And Other Liabilities	7	6	6	6	6	5	8	7	7	7	-	-
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	58	58	60	61	62	62	62	62	61	61	61	61
Stockholders Equity
Stockholders Equity	129	127	125	124	122	129	128	125	123	122	118	118
Unearned E S O P Shares	-4	-4	-4	-4	-4	-4	-4	-4	-5	-5	-5	-5
Retained Earnings Accumulated Deficit	78	76	74	72	70	77	75	74	73	71	70	68
Accumulated Other Comprehensive Income Loss Net Of…	-4	-4	-4	-5	-5	-6	-5	-6	-6	-6	-8	-7
Liabilities And Stockholders Equity	925	882	925	934	912	867	879	874	870	843	855	877
Debt Securities Held To Maturity Allowance For Cre…	-	-	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	-	-	20	25	28	27	33	34	34	34	33	33
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	40	40	40	40	40	40	40	40	40	40	40	40
Common Stock Shares Issued	6	6	6	6	6	6	6	6	6	6	6	6
Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6	6
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.04%	0.62%	2.18%	-	-	-	-	-	-	-	-	-
2025	-1.90%	1.00%	2.17%	2.14%	2.92%	-1.28%	6.89%	9.66%	7.69%	14.53%	15.30%	15.51%
2024	22.31%	25.82%	26.01%	0.52%	1.04%	0.71%	0.79%	1.40%	-14.19%	-3.15%	2.10%	0.00%
2023	-0.25%	-4.26%	12.20%	2.95%	6.40%	1.80%	3.41%	13.58%	20.41%	1.15%	2.30%	24.82%
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Performance and Valuation Metrics

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Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.62	-0.64	-0.68	-0.70	-0.37	0.05	0.10	0.12	0.13	0.09	0.67	1.96
Per Share Metrics
Diluted EPS TTM	1.40	1.29	1.17	1.09	0.91	0.83	0.85	0.84	0.93	0.98	1.02	1.05
Free Cash Flow Per Share TTM	2.26	1.79	1.58	1.62	1.10	0.99	1.12	0.76	1.03	1.13	0.72	0.78
Dividend Per Share TTM	1.44	2.80	2.81	2.79	1.37	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	61.20%	61.04%	60.55%	60.58%	60.90%	60.80%	45.78%	45.93%	45.37%	47.30%	68.56%	75.29%
Operating Profit Margin TTM	23.08%	22.03%	19.49%	18.44%	15.61%	14.55%	15.61%	15.71%	17.88%	19.64%	21.37%	23.79%
Net Profit Margin TTM	17.14%	16.33%	15.07%	14.27%	12.15%	11.34%	11.98%	12.08%	13.71%	15.10%	16.34%	18.18%
Growth Metrics
Net Revenue Growth (1Y)	4.90%	6.33%	6.93%	8.57%	10.55%	12.35%	15.36%	20.53%	27.79%	32.88%	33.00%	26.31%
Net Income Growth (1Y)	47.97%	53.13%	34.52%	28.28%	-2.05%	-15.62%	-15.45%	-19.94%	-14.21%	-9.62%	-1.76%	2.61%
EPS Growth (1Y)	55.51%	56.48%	37.86%	30.39%	-1.88%	-14.79%	-15.38%	-19.07%	-11.76%	-6.93%	1.84%	4.28%
Calculated Values
Free Cash Flow TTM	13.80M	11.22M	9.89M	10.23M	7.06M	6.37M	7.16M	4.87M	6.58M	7.35M	4.60M	5.04M
Net Debt	-89.35M	-53.85M	-84.85M	-89.67M	-74.70M	-41.43M	-52.30M	-50.40M	-61.40M	-50.03M	-61.50M	-82.89M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-08-25Sale

Owner: Vickers, Robert

Title: Chief Operations Officer

Shares: 7,565

Price/Share: $19.47

Value: $147,290.55

Shares Owned: 2,800

Relationship: Officer

Ownership: Direct

2025-06-09Sale

Owner: Nelson, Clark

Title: EVP and CCO

Shares: 445

Price/Share: $18.18

Value: $8,090.10

Shares Owned: 14,517

Relationship: Officer

Ownership: Direct

2025-06-02Purchase

Owner: Reich, Robin S

Title: -

Shares: 5,418

Price/Share: $18.49

Value: $100,178.82

Shares Owned: 24,494

Relationship: Director

Ownership: Direct

2024-11-20Sale

Owner: Roberts, Howard G

Title: -

Shares: 134

Price/Share: $21.50

Value: $2,881.00

Shares Owned: 23,941

Relationship: Director

Ownership: Direct

2024-11-19Sale

Owner: Roberts, Howard G

Title: -

Shares: 703

Price/Share: $21.50

Value: $15,114.50

Shares Owned: 24,075

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-08-25	Vickers, Robert	Officer	Chief Operations Officer	Direct	Sale	7,565	19.47	$147,290.55	2,800	4
2025-06-09	Nelson, Clark	Officer	EVP and CCO	Direct	Sale	445	18.18	$8,090.10	14,517	4
2025-06-02	Reich, Robin S	Director	-	Direct	Purchase	5,418	18.49	$100,178.82	24,494	4
2024-11-20	Roberts, Howard G	Director	-	Direct	Sale	134	21.50	$2,881.00	23,941	4
2024-11-19	Roberts, Howard G	Director	-	Direct	Sale	703	21.50	$15,114.50	24,075	4
2024-11-15	Roberts, Howard G	Director	-	Direct	Sale	102	21.50	$2,193.00	24,778	4
2023-11-20	Roberts, Howard G	Director	-	Indirect	Purchase	400	14.48	$5,792.00	2,906	4
2023-08-31	Reich, Robin S	Director	-	Direct	Purchase	6,000	14.86	$89,160.00	18,076	4
2023-08-08	Cooney, Edward John	Director,Officer	CEO	Direct	Purchase	1,500	14.44	$21,660.00	146,663	4
2023-05-16	Cooney, Edward John	Director,Officer	CEO	Direct	Purchase	1,000	12.10	$12,100.00	145,163	4
2023-04-12	Lehman, Kenneth R	TenPercentOwner	-	Direct	Purchase	332	14.49	$4,810.68	772,016	4
2023-04-06	Lehman, Kenneth R	TenPercentOwner	-	Direct	Purchase	1,225	14.59	$17,872.75	764,492	4
2023-03-22	Lehman, Kenneth R	TenPercentOwner	-	Direct	Purchase	839	14.39	$12,073.21	723,315	4
2023-03-14	Richardson, Bob W.	Director	-	Direct	Purchase	1,059	13.99	$14,815.41	20,640	5
2023-02-15	Roberts, Howard G	Director	-	Direct	Purchase	1,000	15.94	$15,940.00	29,001	4
2023-02-14	Cooney, Edward John	Director,Officer	CEO	Direct	Purchase	2,580	15.71	$40,531.80	70,163	4
2022-11-30	Roberts, Howard G	Director	-	Indirect	Purchase	800	15.12	$12,096.00	2,506	4
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Institutional Ownership

No data available for chart

2026-03-31

24.43%

Inst. Shares: 1,488,915

Shares Outstanding: 6,095,117

2025-12-31

23.12%

Inst. Shares: 1,451,169

Shares Outstanding: 6,277,003

2025-09-30

22.21%

Inst. Shares: 1,389,702

Shares Outstanding: 6,256,780

2025-06-30

22.90%

Inst. Shares: 1,445,872

Shares Outstanding: 6,312,589

2025-03-31

25.51%

Inst. Shares: 1,634,413

Shares Outstanding: 6,405,702

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	1,488,915	6,095,117	24.43%
2025-12-31	1,451,169	6,277,003	23.12%
2025-09-30	1,389,702	6,256,780	22.21%
2025-06-30	1,445,872	6,312,589	22.90%
2025-03-31	1,634,413	6,405,702	25.51%
2024-12-31	1,711,292	6,414,182	26.68%
2024-09-30	1,460,651	6,412,511	22.78%
2024-06-30	1,364,108	6,416,628	21.26%
2024-03-31	1,078,703	6,416,628	16.81%
2023-12-31	1,090,059	6,476,767	16.83%
2023-09-30	1,030,495	6,417,754	16.06%
2023-06-30	952,279	6,486,260	14.68%
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Affinity Bancshares, Inc. (AFBI) — SEC Financial Statements & Analysis

Affinity Bancshares, Inc. (AFBI) is a savings institutions, not federally chartered company, incorporated in MD. Affinity Bancshares, Inc. trades on Nasdaq as: AFBI. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Affinity Bancshares, Inc. reported a 4.90% year-over-year revenue growth, a Gross Profit Margin of 61.20% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 4.90%
Gross Profit Margin TTM: 61.20%

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Affinity Bancshares, Inc. in?

Affinity Bancshares, Inc. (AFBI) operates in the Savings Institutions, Not Federally Chartered industry.

What exchange does AFBI trade on?

Affinity Bancshares, Inc. (AFBI) trades on the Nasdaq.

Where is Affinity Bancshares, Inc. incorporated?

Affinity Bancshares, Inc. is incorporated in MD.