AFBI - NASDAQ

Affinity Bancshares, Inc.

AFBI·NASDAQ

$22.50

+0.044%

Financial ServicesBanks - Regional

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. It also offers commercial and industrial, commercial real estate, one- to four-family residential real estate, construction and land, and consumer loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. It operates a main and a branch office in Covington, Georgia; a branch office in Atlanta, Georgia; and a commercial loan production office in Alpharetta, Georgia; out of an office in Monroe, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$137.13M

EPS1.3300

P/E Ratio16.92

Earnings Date05/08/2026

881.70M

Assets

3Y+11.0%

5Y+4.0%

10Y+279.0%

754.68M

Total Liabilities

3Y+12.0%

5Y-2.0%

10Y+302.0%

127.02M

Total Equity

-2%

3Y+8.0%

5Y+57.0%

10Y+182.0%

Affinity Bancshares, Inc. Funding & Solvency Profile

AFBI · NASDAQ

Current Assets

Cash & Cash Equivalents53.85M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets71 M

Non-Current Assets

Property, Plant & Equipment2.84M

Goodwill & Intangible Assets17.98M

Long-Term Investments761.52M

Other Non-Current Assets28.32M

Total Non-Current Assets793 M

Total Assets

881.70M

Financial Health Analysis

Current Ratio

0.10x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

5.94x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-623966000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

8% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Affinity Bancshares, Inc. Balance Sheet

AFBI • NASDAQ

Affinity Bancshares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Sep 2017	Sep 2016	Sep 2015
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	53.9M	41.4M	50M	26.3M	111.8M	178.3M	48.1M	35.2M	34.5M	24.8M	38.1M
Short-Term Investments	17.2M	36.5M	48.6M	46.2M	48.6M	24M	3.8M	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	71M	77.9M	98.6M	72.5M	160.3M	202.3M	51.9M	35.2M	34.5M	24.8M	38.1M
Net Receivables	0.0	0.0	0.0	0.0	8M	10.4M	3M	0.0	0.0	0.0	0.0
Accounts Receivables	0.0	0.0	0.0	0.0	8M	10.4M	3M	0.0	0.0	0.0	0.0
Total Current Assets	71M	77.9M	98.6M	72.5M	168.3M	212.6M	54.9M	40.9M	36M	25.7M	39M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	2.8M	3.3M	3.8M	4.3M	3.8M	8.6M	8.5M	9M	8.5M	4.6M	4.3M
Goodwill	17.2M	0.0	0.0	0.0	17.2M	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	784K	18.2M	18.4M	18.6M	1.5M	18.9M	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	18M	18.2M	18.4M	18.6M	18.7M	18.9M	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	761.5M	739.1M	690.6M	664.5M	578.3M	593.9M	248.2M	36.9M	32.7M	22.1M	36M
Other Non-Current Assets	28.3M	28.4M	31.9M	31.4M	18.9M	16.6M	7.6M	219.1M	200.7M	180.5M	147M
Total Non-Current Assets	810.7M	788.9M	744.7M	718.8M	619.7M	638M	264.3M	265.1M	241.8M	207.1M	187.3M
Total Assets	881.7M	866.8M	843.3M	791.3M	788.1M	850.6M	319.3M	306M	277.8M	232.8M	226.3M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	7M	5.3M	4.7M	3.9M	0.0	0.0	0.0	0.0
Accounts Payable	0.0	0.0	0.0	7M	5.3M	4.7M	3.9M	0.0	0.0	0.0	0.0
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	992K	2.5M	2.2M	2M
Other Current Liabilities	695M	673.5M	674.4M	657.2M	612.8M	640.2M	238.2M	28.8M	0.0	0.0	0.0
Total Current Liabilities	695M	673.5M	674.4M	664.2M	618.1M	644.9M	242.1M	29.8M	25.1M	0.0	0.0
NON-CURRENT LIABILITIES
Long Term Debt	54M	58.8M	40M	10M	49M	24.1M	0.0	7.6M	0.0	0.0	0.0
Other Non-Current Liabilities	5.7M	5.4M	7.3M	0.0	0.0	100.8M	0.0	192.2M	201M	187.8M	182.4M
Total Non-Current Liabilities	59.7M	64.2M	47.3M	10M	49M	124.9M	0.0	199.8M	176M	187.8M	167.3M
Total Liabilities	754.7M	737.7M	721.7M	674.2M	667.1M	769.8M	242.1M	229.6M	201M	187.8M	182.4M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	-1.3M	-1.3M	-668K	0.0	0.0	0.0
Common Stock	61K	64K	64K	66K	69K	69K	77K	75K	75K	0.0	0.0
Additional Paid-In Capital	58.1M	62.4M	61M	63.1M	68M	33.6M	33.4M	33.1M	33.1M	0.0	0.0
Retained Earnings	76.1M	76.8M	71.3M	65.4M	58.2M	50.7M	47.6M	46.9M	46.4M	45.1M	43.9M
Accumulated Other Comprehensive Income/Loss	-3.7M	-5.7M	-6.3M	-6.7M	-358K	159K	9K	-3.4M	-2.8M	0.0	0.0
Other Total Stockholders' Equity	-3.6M	-4.4M	-4.6M	-4.8M	-5M	-2.5M	-2.6M	420K	0.0	0.0	0.0
Total Stockholders' Equity	127M	129.1M	121.5M	117.1M	121M	80.8M	77.2M	76.4M	76.8M	45.1M	43.9M
Total Equity	127M	129.1M	121.5M	117.1M	121M	80.8M	77.2M	76.4M	76.8M	45.1M	43.9M
SUMMARY
Total Liabilities & Equity	881.7M	866.8M	843.3M	791.3M	788.1M	850.6M	319.3M	306M	277.8M	232.8M	226.3M
Total Investments	778.7M	775.6M	739.2M	710.7M	626.9M	617.9M	252.1M	36.9M	32.7M	22.1M	36M
Total Debt	54M	58.8M	40M	10M	49M	24.1M	0.0	7.6M	0.0	0.0	0.0
Net Debt	150K	17.4M	-10M	-16.3M	-62.8M	-154.1M	-48.1M	-27.6M	-34.5M	-24.8M	-38.1M
Shares Outstanding	6,292,420	6,292,420	6,292,420	6,292,420	6,292,420	6,292,420	6,292,420	6,292,420	6,292,420	6,292,420	6,292,420

SEC Filings

AFBI - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 24, 2026	2026	View Filing
10-K/A 10-K/A 2025 FY (Amended) FY	April 17, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	March 31, 2026	March 30, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 20, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 23, 2026	January 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 07, 2026	January 07, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 23, 2025	December 18, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 10, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 24, 2025	October 24, 2025	2025	View Filing

Showing 1 to 10 of 82 filings

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