Affinity Bancshares, Inc. (AFBI) Earnings History
Elite Compounder11 years of earnings data (2015–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Affinity Bancshares, Inc. (AFBI) Earnings Overview
As of July 8, 2026, Affinity Bancshares, Inc. (AFBI) reported trailing twelve-month net income of $9M, reflecting +55.4% year-over-year growth. The company earned $1.40 per diluted share over the past four quarters, with a net profit margin of 15.7%.
Looking at the long-term picture, AFBI's 5-year EPS compound annual growth rate (CAGR) stands at +23.4%, indicating exceptional earnings growth. The company achieved its highest annual net income of $8M in fiscal 2025, representing a new all-time high.
Affinity Bancshares, Inc. maintains industry-leading profitability with a gross margin of 62.2%, operating margin of 21.2%, and net margin of 15.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), CHMG ($18M net income, 10.8% margin), NECB ($44M net income, 28.2% margin), AFBI has room to improve margins relative to the peer group. Compare AFBI vs CZWI →
AFBI Earnings vs Peers
Earnings metrics vs comparable public companies
AFBI Historical Earnings Data (2015–2025)
11 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $8M | +53.2% | $11M | $1.29 | 15.7% | 21.2% |
| 2024 | $5M | -15.6% | $7M | $0.83 | 10.9% | 14.0% |
| 2023 | $6M | -9.6% | $8M | $0.98 | 14.3% | 18.6% |
| 2022 | $7M | -5.8% | $9M | $1.06 | 20.7% | 27.0% |
| 2021 | $8M | +145.2% | $10M | $1.09 | 21.6% | 28.2% |
| 2020 | $3M | +769.9% | $4M | $0.45 | 9.5% | 11.9% |
| 2019 | $355,000 | -20.9% | $326,000 | $0.05 | 2.1% | 2.0% |
| 2018 | $449,000 | -67.1% | $3M | $0.07 | 2.8% | 20.6% |
| 2017 | $1M | +18.0% | $4M | $0.22 | 10.0% | 27.8% |
| 2016 | $1M | -28.3% | $4M | $0.19 | 9.4% | 28.7% |
| 2015 | $2M | - | $4M | $0.26 | 13.7% | 34.9% |
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AFBI — Frequently Asked Questions
Quick answers to the most common questions about buying AFBI stock.
What is AFBI earnings per share (EPS)?
AFBI trailing twelve-month (TTM) diluted EPS is $1.40, reflecting +55.4% year-over-year growth. The 5-year EPS CAGR is +23.4%. Complete EPS history from 2015 to 2025 is available in the table on this page.
What is Affinity Bancshares, Inc.'s net income?
Affinity Bancshares, Inc. (AFBI) trailing twelve-month net income is $9M as of 2025. Earnings grew +55.4% year-over-year. Affinity Bancshares, Inc. has been profitable for 11 consecutive years.
Is AFBI profitable?
Yes, AFBI is profitable with a TTM net income of $9M and a net profit margin of +15.7%. Affinity Bancshares, Inc. has generated profits for 11 consecutive years.
What is AFBI's earnings growth rate?
AFBI compound annual EPS growth rates (CAGR): 1-Year: +55.4%, 3-Year: +6.8%, 5-Year: +23.4%, 10-Year: +17.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2015 to 2025.
What are AFBI's profit margins?
Affinity Bancshares, Inc. net profit margin is +15.7%, operating margin is +21.2%, and gross margin is +62.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +6.5%.
Is AFBI growing earnings?
Yes, AFBI earnings are accelerating — EPS growth of +55.4% exceeds the 5-year CAGR of +23.4%. TTM net income reached $9M. Earnings momentum is strengthening.
What was AFBI's best earnings year?
Affinity Bancshares, Inc.'s highest annual net income on record is $8M, achieved in fiscal year 2025. Earnings history on this page spans 2015 to 2025 and includes all annual and quarterly figures.
What were AFBI's earnings last quarter?
AFBI's most recent reported quarter was Q1 2026. Net income was $2M with diluted EPS of $0.36. For a full breakdown of all quarters, see the quarterly earnings table on this page.