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Affinity Bancshares, Inc. AFBI Free cash flow margin

Free cash flow margin at other companies

Union Bankshares logo
Union BanksharesUNB
26.8%-0.7pp
First US Bancshares, Inc. logo
First US Bancshares, Inc.FUSB
26.7%+7.8pp
National Bankshares logo
National BanksharesNKSH
28.6%+19.7pp
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
37%+8.8pp
Colony Bankcorp logo
Colony BankcorpCBAN
27.7%
Home Bancorp logo
Home BancorpHBCP
33.1%+1.1pp

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

Returns & leverage

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Return on equity7%+2.1pp
Debt / equity0.0×

Where this comes from

Calculated from Affinity Bancshares, Inc.’s reported figures.

Based on trailing twelve months.

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 free cash flow margin?
Affinity Bancshares, Inc. (AFBI) reported free cash flow margin of 41.4% in Q1 2026.
How has Affinity Bancshares, Inc.'s free cash flow margin changed year-over-year?
Affinity Bancshares, Inc.'s free cash flow margin increased by 85.7% year-over-year, from 22.3% to 41.4%.
What is the long-term trend for Affinity Bancshares, Inc.'s free cash flow margin?
Over 3 years (2020 to 2025), Affinity Bancshares, Inc.'s free cash flow margin has grown at a 115.9% compound annual growth rate (CAGR), from 3.4% to 33.9%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.