Affinity Bancshares, Inc.

Affinity Bancshares, Inc.

AFBI
Affinity Bancshares, Inc.US flagNASDAQ
22.83
USD
+0.04
- -
139.15MMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.09
3.93
4.64
4.82
4.58
4.86
5.27
5.38
Basic EPS, GAAP
0.05
0.45
1.1
1.07
1
0.85
1.33
1.42
Free Cash Flow per Basic Share
0.18
0.13
1.6
0.93
1.13
0.99
1.79
2.23
Dividend per Share
- -
- -
- -
- -
- -
- -
1.4
- -
Book Value per Share
6.93
7.38
8.47
9.81
11.03
11.98
12.14
12.65
Tangible Book Value per Share
11.22
8.99
14.85
14.78
15.93
17.3
17.37
17.99
Basic Weighted Avg Shares
7
7
7
7
6
6
6
6
Sales/Revenue/Turnover
14
27
32
32
30
31
33
33
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
- -
1
1
1
1
Net Income, GAAP
- -
3
8
7
6
5
8
9
Effective Tax Rate (%)
- -
20.41
23.59
23.51
23.13
22.07
25.85
25.74
Profit Margin (%)
2.47
11.43
23.7
22.18
21.74
17.45
25.2
26.33
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
24
49
10
40
59
54
54
Total Equity
77
81
121
117
122
129
127
129
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
6.28
13.89
11.53
9.42
7.34
10.89
11.86

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
54
54
54
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
125
129
138

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
124
71
106
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
10.99%
-1.62%
Free Cash Flow
- -
227.15%
76.13%
Net Income, GAAP
- -
33.47%
53.13%
Sales/Revenue/Turnover
- -
4.47%
6.03%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
8
8
8
31
2025
8
8
8
9
33
2026
8
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.16
0.27
0.21
0.85
2025
0.29
0.34
0.35
0.35
1.33
2026
0.37
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
1.37
- -
- -
- -
1.4
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Edward J. Cooney
Full Time Employees
82
Sector
Financial Services
Industry
Banks - Regional
Address
3175 Highway 278 Covington GA United States of America 30014
IPO Date
Apr 28, 2017
Business
Affinity Bancshares, Inc. (Nasdaq: AFBI) is a bank holding company headquartered in Covington, Georgia, that operates through its subsidiary Affinity Bank, a community-focused financial institution providing retail and commercial banking products and services primarily in Georgia. Affinity Bank offers deposit products including checking accounts, savings accounts, certificates of deposit, individual retirement accounts, and the Kasasa rewards checking program featuring interest rates or cash-back rewards; it provides loans such as commercial real estate loans, commercial and industrial loans, residential mortgage loans, construction and land loans, consumer loans, balloon loans, and adjustable-rate loans, with a specialization in dental and medical practices as well as manufacturing, construction, development, and commercial real estate sectors; additional services encompass merchant services, remote deposit capture, positive pay fraud protection, commercial account analysis, intraFi network (ICS) for enhanced FDIC insurance on large deposits, online and mobile banking, business checking, interest checking, money market, and savings accounts. The bank gathers deposits nationwide via its virtual FitnessBank platform, which offers higher interest rates tied to customer fitness goals, and maintains approximately 14 to 18 full-service branches across metropolitan Atlanta and West Georgia. Founded in 2002 as Atlanta Business Bank and rebranded as Affinity Bank in 2010, the company expanded its consumer offerings in 2020 through a strategic partnership with Newton Federal Bank and, in March 2025, adopted a stock repurchase program authorizing the buyback of up to 320,480 shares, or about 5% of outstanding common stock, to enhance shareholder value amid favorable market conditions.

Company News

APIChatGPT
  • Are AFBI, BLD, NSA Obtaining Fair Deals for their Shareholders?

  • Affinity Bancshares Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Affinity Bancshares, Inc. - AFBI

  • Are SEM, AFBI, BLD, QXO Obtaining Fair Deals for their Shareholders?

  • $HAREHOLDER ALERT: The M&A Class Action Launches Legal Inquiry for the Merger--AFBI, QXO, BLD, and AVNS

  • Are KW, BRNS, AFBI Obtaining Fair Deals for their Shareholders?

  • BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: Helix Energy Solutions Group, Inc. (NYSE – HLX), TopBuild Corp. (NYSE – BLD), Avanos Medical, Inc. (NYSE – AVNS), Affinity Bancshares (Nasdaq – AFBI)

  • Affinity Bancshares Stock Up Post Q1 Earnings, Loan Growth

  • Short Interest in Affinity Bancshares, Inc. (NASDAQ:AFBI) Declines By 49.8%

  • Affinity Bancshares, Inc. Announces First Quarter 2026 Financial Results

  • Are SLNO, THR, AFBI Obtaining Fair Deals for their Shareholders?

  • Affinity Bancshares Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Affinity Bancshares, Inc. - AFBI

  • Are SLNO, FORA, AFBI, MKC Obtaining Fair Deals for their Shareholders?

  • AFBI Stock Alert: Halper Sadeh LLC is Investigating Whether Affinity Bancshares, Inc. is Obtaining a Fair Price for its Shareholders

  • $HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of Affinity Bancshares, Inc. (NASDAQ: AFBI)

  • Fidelity BancShares (N.C.), Inc. and Fidelity Bank Announce Execution of Definitive Merger Agreement to Acquire Affinity Bancshares, Inc. and Affinity Bank

  • Affinity Bancshares: A Speculative Buy While Waiting For Improving Results

  • Affinity Bancshares Stock Gains Post Q4 Earnings, NIM Expands

  • Affinity Bancshares, Inc. Announces Fourth Quarter 2025 Financial Results

  • Zacks Initiates Coverage of Affinity Bancshares With Neutral Recommendation

  • Affinity Bancshares, Inc. Adopts Stock Repurchase Program