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Affinity Bancshares(NASDAQ) AFBI

Current Price$22.95
Market Cap$139.88MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2017)+87%
5 Year+87%
1 Year+22%
1 Month+2%
Affinity Bancshares last closing stock price
MetricPriceDate
Last closeUSD 22.952026-07-24
Affinity Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.92%USD 22.742026-07-17
1 month+1.59%USD 22.592026-06-24
3 month+2.41%USD 22.412026-04-24
Year to date+12.12%USD 20.472025-12-31
1 year+21.75%USD 18.852025-07-24
3 year+80.52%USD 12.712023-07-25
5 year+87.34%USD 12.252021-07-23
Since inception+86.77%USD 12.292017-04-28

Affinity Bancshares Financials at a Glance

Market Cap

$139.88MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$52.70M

Net Income (TTM)

$8.79M

EPS (TTM)

$1.38

P/E Ratio

16.65

Dividend

$0.00

Beta (Volatility)

0.16 (Low)

Price

$22.95

Volume

13,654

Open

$22.94

Previous Close

$22.95

Daily Range

$22.92 - $22.95

52-Week Range

$18.35 - $22.97

Estimated Earnings Date

Jul 24, 2026

AFBI News

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Affinity Bancshares Net Jumps in Q2

Motley Fool Markets TeamJul 25, 2025

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About Affinity Bancshares

Affinity Bancshares helps people and businesses manage money and get loans. Its checking accounts and business loans support daily financial needs. The company serves local communities and dental professionals across the Southeastern U.S.

Money Moves: Products and Services

  • Deposit Accounts: Checking, savings, and certificates of deposit for individuals and businesses (no revenue split disclosed).
  • Commercial Loans: Loans for real estate, business operations, and construction, targeting small businesses and professionals (no revenue split disclosed).
  • Dental Practice Lending: Specialized loans for dental professionals, making up 26.1% of the loan portfolio.
  • Consumer Installment Loans: Includes indirect auto loans through dealerships, representing 18.3% of total loans.
  • Virtual Banking: FitnessBank offers online accounts with fitness-based rewards, gathering deposits nationwide.

Branching Out: Growth and Expansion

  • Launched FitnessBank virtual platform to attract deposits nationwide (timeline not specified).
  • Expanded dental practice lending since 2002, now 26.1% of loans as of 2025.
  • Grew indirect auto lending through Affinity Bank Dealer Select, now in eight Southeastern states.
  • Adopted new stock repurchase program in January 2026 for up to 5% of shares.

Why Affinity Stands Out

The company combines local banking with specialized lending for dental practices. Its FitnessBank platform extends reach beyond Georgia, using fitness incentives to attract deposits. Indirect auto lending diversifies its loan portfolio across the Southeast.

Five Things You Need to Know

  • Total revenue was $13 million in Q4 2025, up 8.8% year-over-year.
  • Net income reached $8.3 million in 2025, up 53.1% from 2024.
  • Loan portfolio grew to $742.7 million in 2025, up 4.0% year-over-year.
  • Deposits totaled $695.0 million in 2025, up 3.2% from 2024.
  • Non-performing loans fell to 0.48% of total loans in 2025.

Bottom Line

Affinity Bancshares has evolved by focusing on niche lending and digital banking. Its mix of local expertise and specialized products supports steady growth and diversification.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

82

CEO

Edward J. Cooney, CPA

Website

myaffinitybank.com

Headquarters

Covington, GA 30014, US

AFBI Financials

Key Financial Metrics (TTM)

Gross Margin

62.12%

Operating Margin

21.40%

Net Income Margin

16.67%

Return on Equity

6.95%

Return on Capital

6.21%

Return on Assets

0.95%

Earnings Yield

6.01%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$139.88MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

6.09M

Volume

13.65K

Avg. Volume

11.52K

Financials (TTM)

Gross Profit

$32.73M

Operating Income

$11.28M

EBITDA

$12.00M

Operating Cash Flow

$14.13M

Capital Expenditure

-$305.00K

Free Cash Flow

$13.82M

Cash & ST Invst.

$42.85M

Total Debt

$54.00M

Affinity Bancshares Performance Analysis

Affinity Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 34,536,000-2.0%
20232023-12-31USD 45,166,00030.8%
20242024-12-31USD 49,988,00010.7%
20252025-12-31USD 52,933,0005.9%
Affinity Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-306.2%
Q32025-09-301.1%
Q42025-12-31-0.2%
Q12026-03-31-8.4%
Affinity Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.06-4.2%
20232023-12-31USD 0.98-6.8%
20242024-12-31USD 0.83-15.9%
20252025-12-31USD 1.2956.2%
Affinity Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3017.9%
Q32025-09-303.0%
Q42025-12-31N/A
Q12026-03-315.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$12.35M

-1.9%

Gross Profit

$7.57M

-2.6%

Gross Margin

61.26%

N/A

Market Cap

$139.88MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.71M

N/A

Employees

82

N/A

Net Income

$2.28M

+24.7%

EBITDA

$2.64M

+1.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$42.85M

-42.6%

Total Debt

$54.00M

+0.0%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$44.00M

-18.5%

Short Term Debt

$10.00M

N/A

Return on Assets

0.95%

N/A

Return on Invested Capital

1.23%

N/A

Free Cash Flow

$4.36M

+145.9%

Operating Cash Flow

$4.40M

+129.7%

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Questions About AFBI

What is the current price of Affinity Bancshares?

Affinity Bancshares is trading at $22.95 per share.

What is the 52-week range for Affinity Bancshares?

Over the past 52 weeks, Affinity Bancshares has traded between $18.35 and $22.97.

How much debt does Affinity Bancshares have?

As of the most recent reporting period, Affinity Bancshares reported total debt of $54.00M.

How much cash does Affinity Bancshares have on hand?

Affinity Bancshares does not have cash on hand data available.

What is Affinity Bancshares’s dividend yield?

Affinity Bancshares does not currently have a dividend yield.

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