AFBI - NASDAQ
Affinity Bancshares, Inc.
$22.50
+0.044%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.
At a Glance
Live SnapshotAffinity Bancshares, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Affinity Bancshares, Inc. Cash Flow Statement
AFBI • NASDAQ
| Affinity Bancshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Sep 2017 | Sep 2016 | Sep 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||||
8.3M | 5.4M | 6.4M | 7.1M | 7.6M | 3.1M | 355K | 449K | 1.4M | 1.2M | 1.6M | |
720K | 738K | 734K | 338K | 674K | 697K | 885K | 702K | 444K | 347K | -302K | |
60K | 162K | 399K | 280K | -227K | -73K | 145K | 1.4M | 0.0 | 0.0 | 0.0 | |
894K | 1.1M | 1.1M | 694K | 410K | 298K | 278K | 133K | 157K | 0.0 | 0.0 | |
1.3M | 691K | -58K | 775K | 2M | 2M | -140K | 683K | 438K | 329K | 1.2M | |
(2.1M) | (2.2M) | (2.1M) | (2.1M) | (2.5M) | (590K) | (90K) | (0.0) | (0.0) | (0.0) | (0.0) | |
331K | -1.4M | -742K | -1.7M | 1.4M | -4.6M | 113K | -1.4M | 616K | 130K | 92K | |
11.6M | 6.8M | 7.9M | 7.6M | 11.9M | 1.4M | 1.6M | 2.3M | 3.1M | 1.9M | 2.9M | |
INVESTING ACTIVITIES | |||||||||||
(0.0) | -422K | -527K | -1.4M | -830K | -451K | -377K | -8.3M | -4.3M | -381K | -231K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -22.7M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-7.6M | -741K | -20M | -38.2M | -30.8M | -15.3M | -232K | -10.3M | -15.1M | (0.0) | -2M | |
27.3M | 19.7M | 6.2M | 6.9M | 4.5M | 11.8M | 19.5M | 2.2M | 7.4M | 0.0 | 1.5M | |
-20.9M | -51.7M | -13.8M | -61M | 17.5M | -83.7M | -20.3M | -10.5M | -23.8M | -19.4M | 4.8M | |
-1.2M | -33.2M | -28.1M | -93.7M | -9.6M | -110.4M | -1.4M | -26.7M | -35.9M | -19.7M | (4.1M) | |
FINANCING ACTIVITIES | |||||||||||
-5.9M | 0.0 | -3.3M | -5.7M | 37.1M | 0.0 | -600K | -668K | 33.1M | 0.0 | 0.0 | |
-4.8M | 18.8M | 30M | -38M | -75.8M | 90.8M | -7.6M | 7.6M | 0.0 | 0.0 | 0.0 | |
-8.8M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-5.9M | (0.0) | -3.3M | -5.7M | (0.0) | (0.0) | -600K | -668K | (0.0) | (0.0) | (0.0) | |
21.5M | -962K | 17.3M | 44.4M | -30M | 148.3M | 19M | 21.8M | 10M | 5M | -2.6M | |
2M | 17.9M | 44M | 701K | -68.7M | 239.1M | 10.8M | 29.1M | 43.1M | 5M | -2.6M | |
CASH FLOW SUMMARY | |||||||||||
12.4M | -8.6M | 23.7M | -85.5M | -66.5M | 130.1M | 11.1M | 4.9M | 10.3M | -12.8M | 4.4M | |
41.4M | 50M | 26.3M | 111.8M | 178.3M | 48.1M | 37M | 35.9M | 25.7M | 38.5M | 34.1M | |
53.9M | 41.4M | 50M | 26.3M | 111.8M | 178.3M | 48.1M | 40.8M | 35.9M | 25.7M | 38.5M | |
11.2M | 6.4M | 7.3M | 6.2M | 11M | 920K | 1.3M | -6M | -1.2M | 1.5M | 2.6M |
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 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | April 17, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 31, 2026 | March 30, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 20, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 07, 2026 | January 07, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 23, 2025 | December 18, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 10, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 24, 2025 | October 24, 2025 | 2025 |
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Snapshot
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