8-K Announcements
6Material company update
Apr 24, 2026·SEC
Material company update
Mar 31, 2026·SEC
Material company update
Jan 23, 2026·SEC
Affinity Bancshares, Inc.(AFBI)Earnings, Financials & Key Ratios
AFBI•NASDAQ•Banking & Credit
$22.63
17.5× P/E·Price updated Jul 7, 2026
AboutAffinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.Show more
- Net Interest Income$43M+47.9%
- Total Revenue$53M+5.9%
- Net Income$8M+53.2%
- Return on Equity6.51%+49.9%
- Net Interest Margin4.89%+45.4%
- Efficiency Ratio40.99%-13.8%
- ROA0.95%+49.8%
- Equity / Assets14.41%-3.3%
- Book Value per Share20.09+2.3%
AFBI Price & Volume
Affinity Bancshares, Inc. (AFBI) stock price & volume — 10-year historical chart
Loading chart...
Strategic Acquisition Transition Defines Affinity Bancshares Outlook
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Acquisition integration and concentration
Key Thesis Takeaways
- Affinity Bancshares is currently navigating a definitive strategic pivot following its acquisition agreement with Atlanta Postal Credit Union, which effectively shifts the investment thesis from organic growth to transaction completion.
- While the bank has maintained a stable capital base with an equity-to-assets ratio consistently between 13% and 15%, the core business has struggled with stagnant net interest margins, which largely hovered between 0.8% and 0.9% over the last ten quarters.
- Investors should monitor the integration process as the bank's reliance on localized lending in the Greater Atlanta market presents specific concentration risks that may impact final valuation outcomes.
Verdict Logic
the stock is currently trading at a 1.12 price-to-book ratio, reflecting a valuation that is heavily tethered to the pending acquisition rather than underlying organic performance metrics like the 1.8% ROE reported in 2026Q1.
AFBI Growth Metrics
Affinity Bancshares, Inc. (AFBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years16.24%
5 Years10.26%
3 Years15.3%
TTM-
Profit CAGR
10 Years17.84%
5 Years21.96%
3 Years5.31%
TTM47.99%
EPS CAGR
10 Years17.37%
5 Years23.45%
3 Years6.76%
TTM52.22%
Return on Capital
10 Years3.43%
5 Years5.4%
3 Years5.15%
Last Year5.91%
AFBI Recent Earnings
Affinity Bancshares, Inc. (AFBI) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 24, 2026Metric
Actual
Est
EPS
$0.36
—
Rev
$12M
—
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$0.26
—
Rev
$13M
—
Q1 2026
Jan 23, 2026Metric
Actual
Est
EPS
$0.40
—
Rev
$13M
—
Q4 2025
Oct 24, 2025Metric
Actual
Est
EPS
$0.37
—
Rev
$14M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.36 | $12M |
| Q1 2026 | Jan 30, 2026 | $0.26 | $13M |
| Q1 2026 | Jan 23, 2026 | $0.40 | $13M |
| Q4 2025 | Oct 24, 2025 | $0.37 | $14M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Affinity Bancshares, Inc. (AFBI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $22.63 | $137.93M | 17.54 | 5.89% | 15.74% | 6.51% | 6.15% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $51.75 | $492.63M | 11.50 | -3.87% | 31.77% | 18.18% | — | |
| $136.45 | $77.16B | 23.65 | 7.46% | 29.98% | 13.54% | — |
Compare AFBI vs Peers
Affinity Bancshares, Inc. (AFBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AFBI SEC Filings & Documents
Affinity Bancshares, Inc. (AFBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when AFBI posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
AFBI Frequently Asked Questions
Affinity Bancshares, Inc. (AFBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Affinity Bancshares, Inc. growing?
Affinity Bancshares, Inc. (AFBI) grew revenue by 5.9% over the past year. This is steady growth.
Is AFBI profitable?
Yes, Affinity Bancshares, Inc. (AFBI) is profitable, generating $8.8M in net income for fiscal year 2025 (15.7% net margin).
Dividend & Returns
Does AFBI pay dividends?
Yes, Affinity Bancshares, Inc. (AFBI) pays a dividend with a yield of 6.15%. This makes it attractive for income-focused investors.
What is AFBI's return on equity?
Affinity Bancshares, Inc. (AFBI) has a return on equity (ROE) of 6.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Affinity Bancshares, Inc.'s net interest margin?
Affinity Bancshares, Inc. (AFBI) has a net interest margin (NIM) of 4.9%. This indicates healthy earnings from lending activities.
What is Affinity Bancshares, Inc.'s efficiency ratio?
Affinity Bancshares, Inc. (AFBI) has an efficiency ratio of 41.0%. This is excellent, indicating strong cost control.