AFBI

Shares of Affinity Bancshares, Inc. AFBI have gained 0.1% since the company reported its earnings for the quarter ended March 31, 2026, underperforming the S&P 500 Index’s 0.5% rise over the same time frame. However, over the past month, the stock has outperformed the broader market, advancing 14.5% compared with the S&P 500’s 13.2% increase. Affinity Bancshares reported net income of $2.3 million for the first quarter of 2026, up 24.7% from $1.8 million in the year-ago period. Diluted earnings per share (EPS) rose 28.6% year over year to $0.36 from $0.28. The improvement was supported by higher net interest income and lower noninterest expenses. Net interest income increased 3.1% to $7.6 million from $7.3 million in the prior-year quarter, while total interest income rose 2% to $12.3 million from $12.1 million. Non-interest income climbed 14.8% to $552,000 from $481,000. Meanwhile, non-interest expenses declined 2.7% to $5.2 million from $5.4 million, aiding overall profitability. Profitability metrics showed moderate improvement during the quarter. Return on average assets increased to 1.00% from 0.83% in the prior-year period, while return on average equity rose to 7.19% from 5.68%. The efficiency ratio improved to 64.25% from 68.55%, indicating better cost management. Meanwhile, net interest margin declined slightly to 3.50% from 3.52%, reflecting modest pressure from funding costs. Operating efficiency improved modestly, aided by lower personnel-related costs. Salaries and employee benefits declined 10.2% to $3 million from $3.4 million in the prior-year period, contributing to the overall reduction in noninterest expenses. Balance sheet growth remained steady. Total assets rose to $924.7 million as of March 31, 2026, from $881.7 million at the end of 2025. Loans increased to $751.8 million from $742.7 million during the same time, driven by demand in commercial and industrial as well as construction lending. Deposits grew to $734.3 million as of March 31, 2026, from $695 million at the end of 2025, supported by a significant increase in demand deposits. Equity also strengthened to $129.5 million from $127 million during the same time. Asset quality metrics were stable to improving. Non-performing loans declined slightly to $3.5 million as of March 31, 2026, from $3.6 million at the end of 2025, while the allowance for credit losses remained robust at 2...

Affinity Bancshares (AFBI) reported Q1 adjusted earnings late Friday of $0.36 per diluted share, up

COVINGTON, Ga., April 24, 2026--(BUSINESS WIRE)--Affinity Bancshares, Inc. (NASDAQ:"AFBI") (the "Company"), the holding company for Affinity Bank (the "Bank"), today announced net income of $2.3 million for the three months ended March 31, 2026, as compared to $1.8 million for the three months ended March 31, 2025. Net Income Net income was $2.3 million for three months ended March 31, 2026 as compared to $1.8 million for the three months ended March 31, 2025, as a result of an increase in net interest income along with a decrease in noninterest expenses. Operating income for the three months ended March 31, 2026 was $2.3 million as compared to $2.0 million for the three months ended March 31, 2025. Results of Operations Net interest income was $7.6 million for the three months ended March 31, 2026 compared to $7.3 million for the three months ended March 31, 2025. The increase was due to an increase in interest income on loans and interest-earning deposits offset by an increases in deposit costs and a decrease in interest income on investment securities. Net interest margin for the three months ended March 31, 2026 decreased two basis points to 3.50% from 3.52% for the three months ended March 31, 2025. Noninterest income increased $71,000 to $552,000 for the three months ended March 31, 2026, primarily due to higher service charges on deposit accounts and loan related fees from indirect auto. Non-interest expense decreased $143,000 to $5.2 million for the three months ended March 31, 2026 compared to the 2025 period, due mainly to a decrease in salaries and employee benefits. Financial Condition Total assets increased $43.0 million to $924.7 million at March 31, 2026 from $881.7 million at December 31, 2025, as we experienced loan growth and an increase in interest earning deposits which was funded from growth in our deposits. Total gross loans increased $9.1 million to $751.8 million at March 31, 2026 from $742.7 million at December 31, 2025. The increase was due to steady loan demand in commercial and industrial, and construction loans. Non-owner occupied office loans totaled $39.6 million at March 31, 2026; the average LTV on these loans was 44.0%, including $15.2 million medical/dental tenants and $24.6 million to other various tenants. Investment securities available-for-sale unrealized losses were $3.8 million, net of tax. Cash and cash equivalents i...

Shares of Affinity Bancshares, Inc. AFBI have gained 1.2%, outperforming the S&P 500 Index, which rose 0.9% over the same period. However, the stock has lagged the benchmark over the past month, dipping 1.5% against the S&P 500’s 1.3% increase. For the fourth quarter of 2025, Affinity Bancshares reported net income of $2.1 million, up 58.5% from $1.3 million in the year-ago quarter. Diluted earnings per share (EPS) rose 70% to $0.34 from $0.20 in the prior-year period, supported by higher net interest income and lower noninterest expenses. On an adjusted basis, which excludes certain non-GAAP items, diluted EPS increased 8.1% to $0.40 from $0.30 a year earlier. Net interest income for the quarter grew 11% to $8.3 million from $7.4 million a year earlier, driven primarily by higher interest income on loans and interest-earning deposits, partially offset by higher deposit costs and lower investment securities income. AFBI does not report discrete operating segments, but loan growth was broad-based, with increases noted in construction loans, consumer loans and owner-occupied commercial real estate lending. On a full-year basis, net income reached $8.3 million in 2025, compared with $5.4 million in 2024 (up 53.1%), while diluted EPS increased 55.4% to $1.29 from $0.83. Several balance sheet and profitability metrics improved year over year. Net interest margin (NIM) for the fourth quarter expanded to 3.77% from 3.56% in the prior-year quarter, benefiting from lower yields on interest-bearing liabilities, even as yields on interest-earning assets declined modestly. The efficiency ratio improved to 63.55% in the quarter from 75.95% a year earlier, reflecting tighter expense control. Return on average assets was 0.92% for the quarter, up from 0.61% in the year-ago period, while return on average equity increased to 6.69% from 4.14%. Total assets stood at $881.7 million as of Dec. 31, 2025, up from $866.8 million from a year earlier, supported by loan growth and higher interest-earning deposits. Total gross loans increased to $742.7 million as of Dec. 31, 2025, from $714.1 million as of Dec. 31, 2024, supported by steady demand in construction, consumer lending and owner-occupied commercial real estate loans. Deposits rose to $695 million as of Dec. 31, 2025, from $673.5 million as of Dec. 31, 2024, with growth primarily coming from demand deposits. Asset quality m...

COVINGTON, Ga., January 23, 2026--(BUSINESS WIRE)--Affinity Bancshares, Inc. (NASDAQ:"AFBI") (the "Company"), the holding company for Affinity Bank (the "Bank"), today announced net income of $2.1 million for the three months ended December 31, 2025, as compared to $1.3 million for the three months ended December 31, 2024. Net Income Net income was $8.3 million for year ended December 31, 2025 as compared to $5.4 million for the year ended December 31, 2024, as a result of an increase in net interest income along with a decrease in noninterest expenses, primarily due to merger-related expenses for the 2024 period. Operating income for the year ended December 31, 2025 was $9.2 million as compared to $6.8 million for the year ended December 31, 2024. Net income was $2.1 million for three months ended December 31, 2025 as compared to $1.3 million for the three months ended December 31, 2024, as a result of an increase in net interest income along with a decrease in noninterest expenses. Operating income for the three months ended December 31, 2025 was $2.5 million as compared to $1.7 million for the three months ended December 31, 2024. Results of Operations Net interest income was $31.1 million for the year ended December 31, 2025 compared to $29.2 million for the year ended December 31, 2024. The increase was due to an increase in interest income on loans and interest-earning deposits offset by increases in deposit costs and a decrease in interest income on investment securities. Net interest margin for the year ended December 31, 2025 increased five basis point to 3.59% from 3.54% for the year ended December 31, 2024. Noninterest income decreased $91,000 to $1.9 million for the year ended December 31, 2025, primarily due to lower service charges on deposit accounts and the absence of a gain on the sale of other real estate recorded in 2024. Non-interest expense decreased $2.1 million to $21.7 million for the year ended December 31, 2025 compared to the 2024 period, due mainly to a decrease in other expenses, and specifically merger-related expenses. Net interest income was $8.3 million for the three months ended December 31, 2025 compared to $7.4 million for the three months ended December 31, 2024. The increase was due to an increase in interest income on loans and interest-earning deposits, partially offset by increases in deposit costs and a decrease in i...

Affinity Bancshares (AFBI) reported Q4 adjusted earnings late Friday of $0.40 per diluted share, up

COVINGTON, Ga., October 24, 2025--(BUSINESS WIRE)--Affinity Bancshares, Inc. (NASDAQ:"AFBI") (the "Company"), the holding company for Affinity Bank (the "Bank"), today announced net income of $2.2 million for the three months ended September 30, 2025, as compared to $1.7 million for the three months ended September 30, 2024. Net Income Net income was $6.2 million for nine months ended September 30, 2025 as compared to $4.1 million for the nine months ended September 30, 2024, as a result of an increase in net interest income along with a decrease in noninterest expenses primarily due to merger-related expenses for the 2024 period offset by a decrease in noninterest income. Operating income for the nine months ended September 30, 2025 was $6.7 million as compared to $5.0 million for the nine months ended September 30, 2024. Net income was $2.2 million for three months ended September 30, 2025 as compared to $1.7 million for the three months ended September 30, 2024, as a result of an increase in net interest income along with a decrease in noninterest expenses. Operating income for the three months ended September 30, 2025 was $2.4 million as compared to $1.9 million for the three months ended September 30, 2024. Results of Operations Net interest income was $22.9 million for the nine months ended September 30, 2025 compared to $21.7 million for the nine months ended September 30, 2024. The increase was due to an increase in interest income on loans and interest-earning deposits offset by increases in deposit costs and a decrease in interest income on investment securities. Net interest margin for the nine months ended September 30, 2025 decreased one basis point to 3.53% from 3.54% for the nine months ended September 30, 2024. Noninterest income decreased $246,000 to $1.6 million for the nine months ended September 30, 2025, primarily due to lower service charges on deposit accounts and the absence of a gain on the sale of other real estate recorded in 2024. Non-interest expense decreased $1.7 million to $16.3 million for the nine months ended September 30, 2025 compared to the 2024 period, due mainly to a decrease in other expenses, and specifically merger-related expenses. Net interest income was $7.8 million for the three months ended September 30, 2025 compared to $7.4 million for the three months ended September 30, 2024. The increase was due to an incr...

Revenue: US$8.30m (up 4.7% from 2Q 2024). Net income: US$2.15m (up 109% from 2Q 2024). Profit margin: 26% (up from 13% in 2Q 2024). The increase in margin was primarily driven by lower expenses. EPS: US$0.34 (up from US$0.16 in 2Q 2024). This technology could replace computers: discover the 20 stocks are working to make quantum computing a reality. All figures shown in the chart above are for the trailing 12 month (TTM) period Affinity Bancshares shares are down 1.1% from a week ago. Be aware that Affinity Bancshares is showing 1 warning sign in our investment analysis that you should know about... Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

COVINGTON, Ga., July 25, 2025--(BUSINESS WIRE)--Affinity Bancshares, Inc. (NASDAQ:"AFBI") (the "Company"), the holding company for Affinity Bank (the "Bank"), today announced net income of $2.2 million for the three months ended June 30, 2025, as compared to $1.0 million for the three months ended June 30, 2024. Net Income Net income was $4.0 million for six months ended June 30, 2025 as compared to $2.4 million for the six months ended June 30, 2024, as a result of an increase in net interest income along with a decrease in noninterest expenses offset by a decrease in noninterest income. Operating income for the six months ended June 30, 2025 was $4.3 million as compared to $3.1 million for the six months ended June 30, 2024. Net income was $2.2 million for three months ended June 30, 2025 as compared to $1.0 million for the three months ended June 30, 2024, as a result of an increase in net interest income along with a decrease in noninterest expenses offset by a decrease in noninterest income. Operating income for the three months ended June 30, 2025 was $2.3 million as compared to $1.8 million for the three months ended June 30, 2024. Results of Operations Net interest income was $15.1 million for the six months ended June 30, 2025 compared to $14.3 million for the six months ended June 30, 2024. The increase was due to an increase in interest income on loans and interest-earning deposits offset by increases in deposit and borrowing costs and a decrease in interest income on investment securities. Net interest margin for the six months ended June 30, 2025 and 2024 remained stable at 3.55%. Noninterest income decreased $269,000 to $1.0 million for the six months ended June 30, 2025, primarily due to lower service charges on deposit accounts and the absence of a gain on the sale of other real estate recorded in 2024. Non-interest expense decreased $1.5 million to $10.8 million for the six months ended June 30, 2025 compared to the 2024 period, due mainly to a decrease in other fees. Net interest income was $7.8 million for the three months ended June 30, 2025 compared to $7.6 million for the three months ended June 30, 2024. The increase was due to an increase in interest income on loans and interest-earning deposits, partially offset by increases in deposit and a decrease in interest income on investment securities. Net interest margin for the three month...

Affinity Bancshares (AFBI) reported Q2 adjusted earnings late Friday of $0.36 per diluted share, up

Revenue: US$7.77m (up 5.9% from 1Q 2024). Net income: US$1.83m (up 37% from 1Q 2024). Profit margin: 24% (up from 18% in 1Q 2024). The increase in margin was primarily driven by higher revenue. EPS: US$0.29 (up from US$0.21 in 1Q 2024). We check all companies for important risks. See what we found for Affinity Bancshares in our free report. All figures shown in the chart above are for the trailing 12 month (TTM) period Affinity Bancshares shares are down 2.2% from a week ago. While it's very important to consider the profit and loss statement, you can also learn a lot about a company by looking at its balance sheet. We have a graphic representation of Affinity Bancshares' balance sheet and an in-depth analysis of the company's financial position. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

It hasn't been the best quarter for Affinity Bancshares, Inc. (NASDAQ:AFBI) shareholders, since the share price has fallen 20% in that time. But that doesn't change the fact that the returns over the last five years have been very strong. It's fair to say most would be happy with 146% the gain in that time. Generally speaking the long term returns will give you a better idea of business quality than short periods can. Of course, that doesn't necessarily mean it's cheap now. While this past week has detracted from the company's five-year return, let's look at the recent trends of the underlying business and see if the gains have been in alignment. See our latest analysis for Affinity Bancshares While markets are a powerful pricing mechanism, share prices reflect investor sentiment, not just underlying business performance. One imperfect but simple way to consider how the market perception of a company has shifted is to compare the change in the earnings per share (EPS) with the share price movement. Over half a decade, Affinity Bancshares managed to grow its earnings per share at 78% a year. This EPS growth is higher than the 20% average annual increase in the share price. So one could conclude that the broader market has become more cautious towards the stock. You can see below how EPS has changed over time (discover the exact values by clicking on the image). It might be well worthwhile taking a look at our free report on Affinity Bancshares' earnings, revenue and cash flow. As well as measuring the share price return, investors should also consider the total shareholder return (TSR). The TSR is a return calculation that accounts for the value of cash dividends (assuming that any dividend received was reinvested) and the calculated value of any discounted capital raisings and spin-offs. So for companies that pay a generous dividend, the TSR is often a lot higher than the share price return. In the case of Affinity Bancshares, it has a TSR of 166% for the last 5 years. That exceeds its share price return that we previously mentioned. And there's no prize for guessing that the dividend payments largely explain the divergence! Affinity Bancshares shareholders have received returns of 12% over twelve months (even including dividends), which isn't far from the general market return. It has to be noted that the recent return falls short of the 22% shareholders ha...