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Affinity Bancshares, Inc. AFBI Net margin

Net margin at other companies

Bank of AmericaBAC

27.3%+1.8pp

Truist FinancialTFC

26.9%-9.8pp

Union BanksharesUNB

20.8%+2.9pp

First US Bancshares, Inc.FUSB

14.9%-4.9pp

National BanksharesNKSH

30.3%+12.1pp

Citizens Financial Services, Inc.CZFS

34%+6.2pp

Other financials

Income statement

Revenue$8.1M+3.8%

Net income$2.3M+24.7%

EPS (diluted)$0.36+28.6%

Balance sheet

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

Operating cash flow$4.4M+130%

CapEx$45.0K-69.0%

Free cash flow$4.4M+146%

Valuation

Market cap$137.62M+17.9%

P/E15.7×-0.9×

P/S4.1×+0.4×

Profitability

FCF margin41.4%+19.1pp

Returns & leverage

Return on equity7%+2.1pp

Debt / equity0×0.0×

Where this comes from

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

net income/total revenue=26.3%

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 net margin?: Affinity Bancshares, Inc. (AFBI) reported net margin of 26.3% in Q1 2026.
How has Affinity Bancshares, Inc.'s net margin changed year-over-year?: Affinity Bancshares, Inc.'s net margin increased by 40.4% year-over-year, from 18.7% to 26.3%.
What is the long-term trend for Affinity Bancshares, Inc.'s net margin?: Over 5 years (2020 to 2025), Affinity Bancshares, Inc.'s net margin has grown at a 17.4% compound annual growth rate (CAGR), from 11.3% to 25.2%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.