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Affinity Bancshares, Inc.

AFBI

Affinity Bancshares, Inc. is a financial holding company that operates primarily through its subsidiary, Affinity Bank, a national bank providing full-service commercial and retail banking.

Market cap
$140.12M+17.1%
Revenue$33.4M+5.4%
Net income$8.8M+47.9%
Free cash flow$13.8M+95.6%
EPS (diluted)$1.36+49.5%
Trailing twelve months · change vs. prior year

Earnings

Q1 2026 report

April 24, 2026

Next report

Date not yet announced

Financials

Q1 2026

Income statement

See full
Revenue$8.1M+3.8%
Net income$2.3M+24.7%
EPS (diluted)$0.36+28.6%

Balance sheet

See full
Cash & equivalents$89.4M+19.6%
Total equity$129.5M+5.9%
Total assets$924.7M+1.3%

Cash flow

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Operating cash flow$4.4M+130%
CapEx$45.0K-69.0%
Free cash flow$4.4M+146%

Valuation & ratios

Valuation

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Market cap$140.06M+17.1%
P/E15.9×-1.2×
P/S4.2×+0.4×

Profitability

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Net margin26.3%+7.6pp
FCF margin41.4%+19.1pp

Returns & leverage

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Return on equity7%+2.1pp

Competitors

Profile

Affinity Bancshares, Inc. is a financial holding company that operates primarily through its subsidiary, Affinity Bank, a national bank providing full-service commercial and retail banking. The company focuses on gathering deposits from the general public and originating a diverse portfolio of real estate, commercial, and consumer loans. Its core value proposition centers on specialized lending expertise in the dental industry and a hybrid delivery model that combines traditional community banking with a nationwide digital presence.

Competitive position

The company holds a leading deposit market share in Newton County, Georgia, while maintaining a niche competitive advantage through specialized dental practice lending and a nationwide virtual bank.

GeographiesUnited States, Georgia, Alabama, Florida, Tennessee, North Carolina, South Carolina, Kentucky, Virginia
Customer segmentsSMEs, Healthcare Professionals, Retail, Commercial
Business modelInterest Spread, Direct Lending, Digital Banking
SuppliersFederal Reserve Board, Federal Home Loan Bank of Atlanta, Depositors, Independent Appraisers
CustomersDental practices, Small business owners, Residential homebuyers, Automobile purchasers, Commercial real estate developers
Listed2021
Employees93.0
CEOEdward J. Cooney
FilingsSEC EDGAR

Questions, answered.

What is Affinity Bancshares, Inc.'s market cap?
Affinity Bancshares, Inc. (AFBI) has a market capitalization of $140.1M and trades on NASDAQ.
What is Affinity Bancshares, Inc.'s revenue and profitability?
Affinity Bancshares, Inc. generated $33.4M in trailing twelve-month revenue with net income of $8.8M, representing a net margin of 26.3%, with free cash flow of $13.8M. These figures are based on the Q1 2026 filing.
Who are Affinity Bancshares, Inc.'s competitors?
Affinity Bancshares, Inc.'s key competitors include Truist Financial Corporation, Bank of America Corporation, Prosperity Bancshares Inc, and others. These companies compete in similar markets and product categories.
Who does Affinity Bancshares, Inc. partner with?
Affinity Bancshares, Inc.'s notable partners include Fannie Mae, Freddie Mac, Ginnie Mae, and others.
What subsidiaries does Affinity Bancshares, Inc. have?
Affinity Bancshares, Inc.'s subsidiaries include Affinity Bank, National Association, FitnessBank, Affinity Bank Dealer Select, and others.
Where is Affinity Bancshares, Inc. headquartered?
Affinity Bancshares, Inc. is headquartered in United States of America and employs approximately 93 people. It has been publicly traded since 2021.