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Affinity Bancshares, Inc. AFBI Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

Home Bancorp logo
Home BancorpHBCP
$5.68M-8.3%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$121.53M-4.0%

Other financials

Income statement

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

Balance sheet

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Cash & equivalents$89.4M+19.6%
Total debt$911.0K-42.5%
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

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Market cap$137.62M+17.9%
P/E15.7×-0.9×
P/S4.1×+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
Debt / equity0.0×

Where this comes from

Reported directly by Affinity Bancshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: Affinity Bancshares, Inc.’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Affinity Bancshares, Inc.'s reserve for ESOP debt retirement?
Affinity Bancshares, Inc. (AFBI) reported reserve for ESOP debt retirement of $3.51M in Q1 2026.
How has Affinity Bancshares, Inc.'s reserve for ESOP debt retirement changed year-over-year?
Affinity Bancshares, Inc.'s reserve for ESOP debt retirement decreased by 14.1% year-over-year, from $4.09M to $3.51M.
What is the long-term trend for Affinity Bancshares, Inc.'s reserve for ESOP debt retirement?
Over 5 years (2020 to 2025), Affinity Bancshares, Inc.'s reserve for ESOP debt retirement has grown at a 7.8% compound annual growth rate (CAGR), from $2.45M to $3.57M.
What does reserve for ESOP debt retirement mean?
This represents an equity adjustment or reserve specifically associated with debt incurred to fund an Employee Stock Ownership Plan (ESOP). It reflects the accounting treatment of shares held in trust for employees and the associated debt service obligations. This metric is primarily relevant for understanding the impact of employee benefit structures on shareholder equity.