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Affinity Bancshares, Inc. AFBI Q4 2025 Annual earnings

Reported January 23, 2026 · Before market open

Revenue$13.5M
EPS$0.40

Next report

Date not yet announced

Financials

Q4 2025

Income statement

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Revenue$8.6M+12.8%
Net income$2.1M+58.4%
EPS (diluted)$0.33+57.1%

Balance sheet

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Cash & equivalents$53.9M+30.0%
Total debt$911.0K-42.5%
Total equity$127.0M-1.6%
Total assets$881.7M+1.7%

Cash flow

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Operating cash flow$2.3M+161%
CapEx$93.0K+304%
Free cash flow$2.2M+157%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$126.25M+12.5%
Enterprise value$73.31M+1.3%
P/E15.2×-5.5×
P/S3.8×+0.2×

Profitability

See full
Net margin25.2%+7.7pp
FCF margin33.9%+13.5pp

Returns & leverage

See full
Return on equity6.5%+2.2pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q1 2026$12.3M
Q4 2025$13.5M
Q3 2025$13.5MQ2 2025$13.4MQ1 2025$12.6MQ4 2024$12.4M

Diluted EPS

Q1 2026$0.36
Q4 2025$0.40
Q3 2025$0.37Q2 2025$0.36Q1 2025$0.28Q4 2024$0.20

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Questions, answered.

When did Affinity Bancshares, Inc. report Q4 2025 earnings?
Affinity Bancshares, Inc. (AFBI) reported Q4 2025 earnings on January 23, 2026 before market open.
What were Affinity Bancshares, Inc.'s Q4 2025 revenue and EPS?
Affinity Bancshares, Inc. reported revenue of $13.5M and eps of $0.40 for Q4 2025.
How did Affinity Bancshares, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.8% from $12.4M a year earlier and eps grew 96.9% from $0.20.
Where can I find Affinity Bancshares, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-021113) and the 10-K periodic report (0001193125-26-117734) directly on SEC EDGAR. The filing index links above go to sec.gov.