AFBI
Affinity Bancshares, Inc.20.80
+0.30+1.46%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
130.88MP/E (TTM)
17.78Basic EPS (TTM)
1.17Dividend Yield
0%Recent Filings
10-Q
Q3 FY2025 results
Affinity Bancshares posted solid Q3 2025 results, with net income climbing 28% year-over-year to $2.2 million and diluted EPS rising to $0.34 from $0.26, fueled by steady loan growth and controlled costs. Net interest income edged up 4.8% to $7.8 million, while the net interest margin held firm at 3.49%, reflecting higher yields on a $733 million average loan book despite softer securities income. Noninterest expenses dropped 4.8% to $5.4 million, thanks to lower professional fees, and the provision for credit losses stayed minimal at $12,000 amid stable asset quality. Deposits swelled 9.8% year-to-date to $739 million, bolstering $85 million in cash equivalents against $54 million in fixed-rate FHLB advances maturing through 2029; free cash flow wasn't disclosed in the 10-Q. Stockholders' equity dipped slightly to $125 million after a $8.8 million special dividend and $4.1 million in repurchases. Loan demand remains resilient. Yet rising delinquencies in consumer loans pose a watch point.
8-K
Q3 earnings rise to $2.2M
Affinity Bancshares reported Q3 2025 net income of $2.2 million, up from $1.7 million a year ago, driven by higher net interest income of $7.8 million despite a slight net interest margin dip to 3.49%. Total assets swelled to $925.2 million, fueled by $15.4 million loan growth and $65.9 million deposit influx, while non-performing loans edged up to $5.1 million. Equity dipped to $125.4 million after dividends and repurchases. Balance sheet expands steadily.
8-K
Extended exec contracts
Affinity Bancshares extended employment agreements for key executives—CEO Edward J. Cooney, CFO Brandi Pajot, Chief Credit Officer Clark N. Nelson, and Lending EVP Elizabeth M. Galazka—effective September 25, 2025. Terms now expire September 1, 2028 for Cooney and Nelson, and 2027 for Pajot and Galazka. No other changes. Locks in leadership continuity.
10-Q
Q2 FY2025 results
Affinity Bancshares posted solid Q2 momentum, with net interest income up 2.8% y/y to $7.8M on loan growth, though the margin slipped to 3.57% amid rate shifts. Net income doubled to $2.2M, or $0.33 diluted EPS, fueled by lower noninterest expenses—down 18.6% y/y to $5.5M, thanks to no repeat merger costs—while credit provisions shrank to $17K from $213K. Deposits surged 11.3% q/q to $749.3M, bolstering $89.7M cash and $5.7M operating cash flow, against $54M FHLB advances (rates 3.48%-4.22%, maturities through 2029). Loans hit $731.1M, up 2.4% q/q, with nonaccruals steady at 0.6%. Stockholders' equity dipped 3.9% q/q to $124.1M after a $8.8M special dividend. Yet rising delinquencies in consumer loans pose a watch point.
8-K
Q2 net income doubles to $2.2M
Affinity Bancshares reported Q2 2025 net income of $2.2 million, up from $1.0 million a year ago, driven by higher net interest income and lower noninterest expenses despite softer noninterest income. Total assets swelled to $933.8 million, fueled by $17 million loan growth and $75.9 million deposit inflows, while non-performing loans dipped to $4.6 million. Balance sheet expands steadily. Forward-looking statements highlight risks from interest rates and economic shifts.
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