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Last update at 2026-06-22T20:00:00Z
Source: TradingView
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 11.24M | 6.98M | 8.39M | 9.33M | 9.91M |
| Minority interest | - | - | - | - | - |
| Net income | 8.33M | 5.44M | 6.45M | 7.13M | 7.57M |
| Selling general administrative | 16.53M | 13.13M | 12.25M | 12.22M | 11.48M |
| Selling and marketing expenses | - | 15.58M | 14.76M | 0.48M | 0.34M |
| Gross profit | 32.94M | 30.74M | 29.71M | 32.16M | 32.08M |
| Reconciled depreciation | 0.72M | 0.74M | 1.24M | 0.34M | 0.67M |
| Ebit | - | 6.98M | 8.39M | 11.37M | 9.91M |
| Ebitda | 11.24M | 7.72M | 9.12M | 11.71M | 10.59M |
| Depreciation and amortization | - | 0.74M | 0.73M | 0.34M | 0.67M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 11.24M | 6.98M | 8.39M | 11.37M | 9.91M |
| Other operating expenses | 41.70M | 43.01M | 36.78M | 0.48M | 22.17M |
| Interest expense | 19.87M | 18.81M | 15.50M | 2.38M | 3.18M |
| Tax provision | 2.90M | 1.54M | 2.04M | 2.19M | 2.34M |
| Interest income | 51.01M | 47.97M | 40.59M | 32.13M | 32.45M |
| Net interest income | 31.14M | 29.17M | 27.83M | 29.75M | 29.28M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 2.90M | 1.54M | 1.94M | 2.19M | 2.34M |
| Total revenue | 52.93M | 49.99M | 45.17M | 32.16M | 32.08M |
| Total operating expenses | 21.70M | 23.76M | 21.32M | 0.48M | -22.17000M |
| Cost of revenue | 20.00M | 19.25M | 15.46M | - | - |
| Total other income expense net | - | -3.89400M | 8.39M | -2.04100M | -3.17700M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 8.33M | 5.44M | 6.63M | 7.13M | 7.57M |
| Net income applicable to common shares | - | - | - | 7.13M | 7.57M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 881.70M | 866.82M | 843.26M | 791.28M | 788.09M |
| Intangible assets | 17.98M | 18.18M | 18.37M | 18.56M | 18.75M |
| Earning assets | - | - | - | - | - |
| Other current assets | -2.30000M | - | 52.88M | -49.92300M | 8.01M |
| Total liab | 754.68M | 737.70M | 721.74M | 674.18M | 667.12M |
| Total stockholder equity | 127.02M | 129.12M | 121.52M | 117.10M | 120.97M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 372.85M | 672.85M | 154.69M | -6.98300M | -3.33300M |
| Common stock | 0.06M | 0.06M | 0.06M | 0.07M | 0.07M |
| Capital stock | 0.06M | 0.06M | 0.06M | 0.07M | 0.07M |
| Retained earnings | 76.11M | 76.79M | 71.34M | 65.36M | 58.22M |
| Other liab | - | - | - | 2.48M | 2.44M |
| Good will | 17.98M | - | 17.23M | - | - |
| Other assets | 815.19M | 803.96M | - | 595.61M | 546.18M |
| Cash | 6.92M | 41.42M | 50.02M | 26.32M | 111.78M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 372.85M | 673.48M | 154.69M | 6.98M | 3.33M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 47.08M | 17.39M | -10.02500M | -16.29900M | -62.78800M |
| Short term debt | - | 0.63M | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 54.00M | 60.40M | 40.00M | 10.03M | 48.99M |
| Other stockholder equity | 58.07M | 57.98M | 61.03M | 58.34M | 63.03M |
| Property plant equipment | - | - | - | 4.26M | 3.78M |
| Total current assets | 45.68M | 41.42M | 52.88M | 99.05M | 168.34M |
| Long term investments | 45.02M | 69.98M | 88.20M | 73.81M | 51.03M |
| Net tangible assets | - | - | - | 98.55M | 102.22M |
| Short term investments | 38.76M | 36.50M | 48.56M | 72.73M | 48.56M |
| Net receivables | 2.30M | - | - | - | 8.01M |
| Long term debt | 54.00M | 58.81M | 40.00M | 10.03M | 48.99M |
| Inventory | - | - | - | 2.90M | 3.54M |
| Accounts payable | - | - | - | 6.98M | 3.33M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -7.22200M | -5.71200M | -10.91900M | -6.65500M | -0.35800M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 0.07M | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | 65.36M | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -825.63700M | 28.36M | 29.06M | -96.62400M | -73.56500M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 20.82M | 825.39M | 790.38M | 96.62M | 73.56M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 27.67M | -33.24500M | -56.03800M | -92.86000M | -26.30300M |
| Change to liabilities | - | - | - | -0.93600M | 0.00000M |
| Total cashflows from investing activities | -1.24000M | -33.24500M | -28.13500M | -93.72200M | -9.62300M |
| Net borrowings | -4.81500M | 18.82M | 29.98M | -38.00000M | -75.81300M |
| Total cash from financing activities | 2.02M | 17.85M | 43.97M | 0.70M | -68.70500M |
| Change to operating activities | - | - | - | -0.93600M | -1.36300M |
| Net income | 8.33M | 5.44M | 6.45M | 7.13M | 7.57M |
| Change in cash | 12.43M | -8.60100M | 23.70M | -85.45200M | -66.47700M |
| Begin period cash flow | 41.42M | 50.03M | 26.32M | 111.78M | 178.25M |
| End period cash flow | 53.85M | 41.42M | 50.02M | 26.32M | 111.78M |
| Total cash from operating activities | 11.64M | 6.79M | 7.87M | 7.57M | 11.85M |
| Issuance of capital stock | - | - | - | 0.00000M | 37.11M |
| Depreciation | 0.72M | 0.74M | 0.73M | 0.34M | 0.67M |
| Other cashflows from investing activities | -20.94300M | -51.74800M | -13.81800M | 0.53M | 0.30M |
| Dividends paid | 8.80M | 0.00000M | - | - | - |
| Change to inventory | - | - | 0.21M | - | - |
| Change to account receivables | -0.03600M | 0.73M | -0.52700M | -0.71600M | 2.76M |
| Sale purchase of stock | -5.94200M | 0.00000M | -3.28300M | -5.70900M | - |
| Other cashflows from financing activities | 21.52M | -0.96200M | 17.27M | 149.41M | 5.00M |
| Change to netincome | - | - | - | 0.95M | 2.21M |
| Capital expenditures | 0.42M | 0.42M | 0.53M | 1.39M | 0.83M |
| Change receivables | - | - | - | -0.71600M | - |
| Cash flows other operating | - | - | - | 0.80M | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | -85.45200M | - |
| Change in working capital | 0.33M | -1.37500M | -0.74200M | -1.65200M | 1.39M |
| Stock based compensation | 0.89M | 1.13M | 1.09M | 0.69M | 0.41M |
| Other non cash items | 1.30M | 0.69M | -0.05800M | 0.78M | 2.03M |
| Free cash flow | 11.22M | 6.37M | 7.34M | 6.17M | 11.02M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| AFBI Affinity Bancshares Inc |
-0.015 0.07% | 22.52 | 17.36 | - | 9.56 | 1.07 | 5.76 |
| HDB HDFC Bank Limited ADR |
0.03 0.12% | 25.09 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 1.06% | 29.79 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate 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. Further, it operates FitnessBank, a virtual bank which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company was founded in 1928 and is headquartered in Covington, Georgia.
3175 Highway 278, Covington, GA, United States, 30014
| Name | Title | Year Born |
|---|---|---|
| Mr. Edward J. Cooney CPA, CPA | CEO & Director | 1968 |
| Mr. Clark N. Nelson Jr. | Exec. VP & Chief Credit Officer | 1965 |
| Ms. Elizabeth M. Galazka | Exec. VP of Lending | 1965 |
| Ms. Brandi C. Pajot CPA, CPA | Sr. VP, CFO, Chief Treasury, Corp. Sec. & Risk Officer | 1977 |
| Mr. Robert A. Vickers | Sr. VP & Operations Officer | 1981 |
| Ms. Nancy Mask | VP of Branch Sales Mang. - Eastside | NA |
| Mr. Clark N. Nelson Jr. | Executive VP & Chief Credit Officer | 1965 |
| Ms. Elizabeth M. Galazka | Executive Vice President of Lending | 1965 |
| Ms. Brandi C. Pajot CPA, CPA | Senior VP, CFO, Chief Treasury, Corporate Secretary & Risk Officer | 1977 |
| Mr. Robert A. Vickers | Senior VP & Operations Officer | 1981 |
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