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Affinity Bancshares, Inc.(AFBI)Earnings, Financials & Key Ratios
AFBI•NASDAQ•Banking & Credit
27.1× P/E·Price updated Jun 13, 2026
AboutAffinity 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.Show more
- Net Interest Income$29M+7.2%
- Total Revenue$50M+10.7%
- Net Income$5M-15.6%
- Return on Equity4.34%-19.7%
- Net Interest Margin3.36%+4.3%
- Efficiency Ratio47.53%+0.7%
- ROA0.64%-19.4%
- Equity / Assets14.9%+3.4%
- Book Value per Share19.64+6.0%
- Tangible BV/Share16.87+7.3%
- Debt/Equity0.47+42.1%
AFBI Key Insights
Affinity Bancshares, Inc. (AFBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 72.6%
- ✓Efficient operations: 47.5% efficiency ratio
- ✓Well capitalized: 14.9% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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AFBI Price & Volume
Affinity Bancshares, Inc. (AFBI) stock price & volume — 10-year historical chart
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AFBI Growth Metrics
Affinity Bancshares, Inc. (AFBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years24.57%
3 Years12.48%
TTM-
Profit CAGR
10 Years-
5 Years72.62%
3 Years-10.44%
TTM34.53%
EPS CAGR
10 Years-
5 Years74.3%
3 Years-8.68%
TTM35.29%
Return on Capital
10 Years3.54%
5 Years4.76%
3 Years5.27%
Last Year3.86%
AFBI Recent Earnings
Affinity Bancshares, Inc. (AFBI) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 24, 2026EPS
$0.36
Revenue
$12M
Q1 2026
Jan 30, 2026EPS
$0.26
Revenue
$13M
Q1 2026
Jan 23, 2026EPS
$0.40
Revenue
$13M
Q4 2025
Oct 24, 2025EPS
$0.37
Revenue
$14M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.36 | $12M |
| Q1 2026 | Jan 30, 2026 | $0.26 | $13M |
| Q1 2026 | Jan 23, 2026 | $0.40 | $13M |
| Q4 2025 | Oct 24, 2025 | $0.37 | $14M |
Based on last 12 quarters of dataView full earnings history →
AFBI Peer Comparison
Affinity Bancshares, Inc. (AFBI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 206.63M | 21.46 | 14.70 | -9.41% | 16.01% | 7.81% | 0.28 | |
 CHMG | 348.82M | 72.51 | 23.16 | -6.46% | 10.79% | 6.27% | 0.02 | |
 NECB | 359.41M | 25.98 | 7.99 | -1.55% | 28.41% | 13.07% | 0.21 | |
 BSVN | 446.2M | 46.48 | 10.33 | -3.87% | 31.38% | 18.21% | ||
 ICE | 79.6B | 140.53 | 24.36 | 7.46% | 26.14% | 11.57% | 0.70 | |
 TREE | 506.43M | 36.55 | 3.39 | 24.12% | 15.02% | 85.96% | 1.52 | |
 HBAN | 27.73B | 17.52 | 12.60 | 4.38% | 17.71% | 10.04% | 0.76 | |
 COLB | 7.45B | 31.31 | 13.61 | 8.35% | 17.11% | 8.39% | 0.51 |
Compare AFBI vs Peers
Affinity Bancshares, Inc. (AFBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AFBI Income Statement
Affinity Bancshares, Inc. (AFBI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Sep'16 | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 0 | 0 | 0 | 12.69M | 25.14M | 29.28M | 29.75M | 27.2M | 29.17M | 42.33M |
NII Growth % | - | - | - | - | 98.2% | 16.44% | 1.64% | -8.59% | 7.24% | 189.09% |
Net Interest Margin % | 0% | 0% | 0% | 3.97% | 2.96% | 3.71% | 3.76% | 3.23% | 3.36% | 4.57% |
Interest Income | 0 | 0 | 0 | 15M | 30.63M | 32.45M | 32.13M | 42.7M | 47.97M | 62.08M |
Interest Expense | 0 | 0 | 0 | 2.31M | 5.49M | 3.18M | 2.38M | 15.5M | 18.81M | 19.76M |
Loan Loss Provision | 0 | 0 | 0 | 0 | 2M | 1.07M | 704K | -42K | 438K | 304K |
Non-Interest Income | 12.26M | 13.63M | 16.12M | 1.67M | 1.85M | 2.68M | 2.4M | 2.47M | 2.02M | -10.24M |
Non-Interest Income % | 100% | 100% | 100% | 10% | 5.69% | 7.62% | 6.96% | 5.46% | 4.03% | -19.75% |
Total Revenue | 12.26M▲ 0% | 13.63M▲ 11.2% | 16.12M▲ 18.2% | 16.66M▲ 3.4% | 32.48M▲ 94.9% | 35.13M▲ 8.2% | 34.54M▼ 1.7% | 45.17M▲ 30.8% | 49.99M▲ 10.7% | 51.84M▲ 0% |
Revenue Growth % | 4.33% | 11.19% | 18.24% | 3.37% | 94.92% | 8.17% | -1.69% | 30.78% | 10.68% | 20.91% |
Non-Interest Expense | 7.49M | 8.8M | 10.92M | 14.03M | 21.13M | 20.97M | 22.13M | 21.32M | 23.76M | 22.02M |
Efficiency Ratio | 61.11% | 64.58% | 67.75% | 84.17% | 65.05% | 59.69% | 64.07% | 47.2% | 47.53% | 42.48% |
Operating Income | 3.52M▲ 0% | 3.79M▲ 7.6% | 3.31M▼ 12.6% | 326K▼ 90.2% | 3.88M▲ 1090.2% | 9.91M▲ 155.4% | 9.33M▼ 5.9% | 8.39M▼ 10.1% | 6.98M▼ 16.8% | 9.76M▲ 0% |
Operating Margin % | 28.75% | 27.81% | 20.55% | 1.96% | 11.95% | 28.21% | 27.01% | 18.57% | 13.97% | 18.83% |
Operating Income Growth % | -14.09% | 7.57% | -12.63% | -90.16% | 1090.18% | 155.44% | -5.89% | -10.07% | -16.76% | - |
Pretax Income | 1.85M▲ 0% | 2.07M▲ 11.7% | 1.65M▼ 20.1% | 326K▼ 80.3% | 3.88M▲ 1090.2% | 9.91M▲ 155.4% | 9.33M▼ 5.9% | 8.39M▼ 10.1% | 6.98M▼ 16.8% | 9.76M▲ 0% |
Pretax Margin % | 15.12% | 15.19% | 10.26% | 1.96% | 11.95% | 28.21% | 27.01% | 18.57% | 13.97% | 18.83% |
Income Tax | 697K | 706K | 1.21M | -29K | 792K | 2.34M | 2.19M | 1.94M | 1.54M | 2.22M |
Effective Tax Rate % | 37.59% | 34.09% | 72.85% | -8.9% | 20.41% | 23.59% | 23.51% | 23.13% | 22.07% | 22.7% |
Net Income | 1.16M▲ 0% | 1.36M▲ 18.0% | 449K▼ 67.1% | 355K▼ 20.9% | 3.09M▲ 769.9% | 7.57M▲ 145.2% | 7.13M▼ 5.8% | 6.45M▼ 9.6% | 5.44M▼ 15.6% | 7.55M▲ 0% |
Net Margin % | 9.44% | 10.01% | 2.79% | 2.13% | 9.51% | 21.56% | 20.66% | 14.28% | 10.88% | 14.56% |
Net Income Growth % | -28.31% | 17.98% | -67.11% | -20.94% | 769.86% | 145.24% | -5.8% | -9.62% | -15.62% | 34.53% |
Net Income (Continuing) | 1.16M | 1.36M | 449K | 355K | 3.09M | 7.57M | 7.13M | 6.45M | 5.44M | 7.55M |
EPS (Diluted) | 0.19▲ 0% | 0.22▲ 15.8% | 0.07▼ 67.3% | 0.05▼ 28.3% | 0.45▲ 772.1% | 1.09▲ 142.2% | 1.06▼ 2.8% | 0.98▼ 7.5% | 0.83▼ 15.3% | 1.16▲ 0% |
EPS Growth % | -26.92% | 15.79% | -67.27% | -28.33% | 772.09% | 142.22% | -2.75% | -7.55% | -15.31% | 35.29% |
EPS (Basic) | 0.19 | 0.22 | 0.07 | 0.05 | 0.45 | 1.10 | 1.07 | 1.00 | 0.85 | - |
Diluted Shares Outstanding | 6.24M | 6.24M | 6.24M | 6.88M | 6.87M | 6.95M | 6.76M | 6.56M | 6.58M | 6.48M |
AFBI Balance Sheet
Affinity Bancshares, Inc. (AFBI) balance sheet — assets, liabilities & shareholders' equity
| Metric | Sep'16 | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 24.81M | 0 | 35.2M | 51.94M | 202.26M | 160.33M | 72.52M | 98.59M | 41.42M | 213.5M |
Cash & Due from Banks | 24.81M | 0 | 35.2M | 48.12M | 178.25M | 111.78M | 26.32M | 50.02M | 41.42M | 6.09M |
Short Term Investments | 0 | 0 | 0 | 3.82M | 24M | 48.56M | 46.2M | 48.56M | 0 | 44.67M |
Total Investments | 22.1M | 22.58M | 36.95M | 252.05M | 617.86M | 626.86M | 710.72M | 739.16M | 775.6M | 44.67M |
Investments Growth % | -38.63% | 2.17% | 63.65% | 582.18% | 145.13% | 1.46% | 13.38% | 4% | 4.93% | -82.73% |
Long-Term Investments | 22.1M | 22.58M | 36.95M | 248.23M | 593.85M | 578.3M | 664.52M | 690.6M | 775.6M | 3.06B |
Accounts Receivables | 0 | 0 | 0 | 3.01M | 10.36M | 8.01M | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 18.94M | 18.75M | 18.56M | 18.37M | 18.18M | 18.03M |
Goodwill | 0 | 0 | 0 | 0 | 0 | 17.23M | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 18.94M | 1.52M | 18.56M | 18.37M | 18.18M | 18.03M |
PP&E (Net) | 4.56M | 8.78M | 9.04M | 8.51M | 8.62M | 3.78M | 4.26M | 3.8M | 3.26M | 2.96M |
Other Assets | 180.49M | 229.35M | 219.13M | 7.6M | 16.6M | 18.91M | 31.43M | 31.91M | 28.36M | -746.46M |
Total Current Assets | 25.69M | 25.21M | 40.86M | 54.95M | 212.62M | 168.34M | 72.52M | 98.59M | 41.42M | 50.76M |
Total Non-Current Assets | 207.14M | 260.71M | 265.12M | 264.35M | 638.01M | 619.75M | 718.76M | 744.67M | 825.39M | 20.99M |
Total Assets | 232.83M▲ 0% | 285.92M▲ 22.8% | 305.98M▲ 7.0% | 319.29M▲ 4.3% | 850.63M▲ 166.4% | 788.09M▼ 7.4% | 791.28M▲ 0.4% | 843.26M▲ 6.6% | 866.82M▲ 2.8% | 925.22M▲ 0% |
Asset Growth % | 2.87% | 22.8% | 7.02% | 4.35% | 166.41% | -7.35% | 0.41% | 6.57% | 2.79% | 19.94% |
Return on Assets (ROA) | 0.5% | 0.53% | 0.15% | 0.11% | 0.53% | 0.92% | 0.9% | 0.79% | 0.64% | 0.83% |
Accounts Payable | 0 | 0 | 0 | 3.95M | 4.75M | 5.34M | 6.98M | 0 | 0 | 0 |
Total Debt | 0 | 7.57M | 7.57M | 0 | 24.12M | 48.99M | 10.03M | 40M | 60.4M | 54M |
Net Debt | -24.81M | 7.57M | -27.63M | -48.12M | -154.14M | -62.79M | -16.3M | -10.03M | 17.39M | 47.91M |
Long-Term Debt | 0 | 7.57M | 7.57M | 0 | 24.12M | 48.99M | 10.03M | 40M | 58.81M | 54M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 627K | 0 |
Other Liabilities | 187.75M | 177.56M | 192.23M | 0 | 100.81M | 0 | 0 | 7.3M | 5.41M | 6.44M |
Total Current Liabilities | 0 | 25.12M | 29.8M | 242.13M | 644.91M | 618.13M | 664.15M | 674.44M | 673.48M | 739.38M |
Total Non-Current Liabilities | 187.75M | 185.13M | 199.8M | 0 | 124.93M | 48.99M | 10.03M | 47.3M | 64.22M | 60.44M |
Total Liabilities | 187.75M | 210.25M | 229.6M | 242.13M | 769.84M | 667.12M | 674.18M | 721.74M | 737.7M | 799.82M |
Total Equity | 45.08M▲ 0% | 75.66M▲ 67.8% | 76.38M▲ 1.0% | 77.17M▲ 1.0% | 80.78M▲ 4.7% | 120.97M▲ 49.7% | 117.1M▼ 3.2% | 121.52M▲ 3.8% | 129.12M▲ 6.3% | 125.41M▲ 0% |
Equity Growth % | 2.63% | 67.84% | 0.95% | 1.03% | 4.69% | 49.74% | -3.2% | 3.77% | 6.25% | 2.34% |
Equity / Assets (Capital Ratio) | 19.36% | 26.46% | 24.96% | 24.17% | 9.5% | 15.35% | 14.8% | 14.41% | 14.9% | 13.55% |
Return on Equity (ROE) | 2.6% | 2.26% | 0.59% | 0.46% | 3.91% | 7.51% | 5.99% | 5.4% | 4.34% | 6.03% |
Book Value per Share | 7.23 | 12.13 | 12.25 | 11.22 | 11.77 | 17.41 | 17.32 | 18.53 | 19.64 | 19.35 |
Tangible BV per Share | 7.23 | 12.13 | 12.25 | 11.22 | 9.01 | 14.71 | 14.57 | 15.73 | 16.87 | 16.57 |
Common Stock | 0 | 75K | 75K | 77K | 69K | 69K | 66K | 64K | 64K | 62K |
Additional Paid-in Capital | 0 | 33.06M | 33.08M | 33.36M | 33.63M | 68.04M | 63.13M | 61.03M | 62.35M | 59.58M |
Retained Earnings | 45.08M | 45.48M | 46.9M | 47.56M | 50.65M | 58.22M | 65.36M | 71.34M | 76.79M | 73.98M |
Accumulated OCI | 0 | -152K | -3.41M | 9K | 159K | -358K | -6.66M | -6.33M | -5.71M | -4.47M |
Treasury Stock | 0 | 0 | -668K | -1.27M | -1.27M | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
AFBI Cash Flow Statement
Affinity Bancshares, Inc. (AFBI) cash flow — operating, investing & free cash flow history
| Metric | Sep'16 | Sep'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.93M | 3.1M | 2.33M | 1.64M | 1.37M | 11.85M | 7.57M | 7.87M | 6.79M | 10.24M |
Operating CF Growth % | -32.87% | 61.16% | -25.03% | -29.69% | -16.2% | 764.41% | -36.13% | 3.99% | -13.72% | 505.34% |
Net Income | 1.16M | 1.36M | 449K | 355K | 3.09M | 7.57M | 7.13M | 6.45M | 5.44M | 7.55M |
Depreciation & Amortization | 347K | 444K | 702K | 885K | 697K | 674K | 338K | 734K | 738K | 826K |
Deferred Taxes | 0 | 0 | 1.44M | 145K | -73K | -227K | 280K | 399K | 162K | -79K |
Other Non-Cash Items | 329K | 438K | 683K | -140K | 1.95M | 2.03M | 775K | -58K | 691K | 2.47M |
Working Capital Changes | 130K | 616K | -1.42M | 113K | -4.59M | 1.39M | -1.65M | -742K | -1.38M | -1.49M |
Cash from Investing | -19.74M | -35.9M | -26.69M | -1.38M | -110.38M | -9.62M | -93.72M | -28.14M | -33.24M | -15.66M |
Purchase of Investments | 0 | -15.12M | -10.32M | -232K | -15.29M | -30.79M | -38.23M | -19.98M | -741K | -7.63M |
Sale/Maturity of Investments | 0 | 7.37M | 2.19M | 19.49M | 11.81M | 4.49M | 6.86M | 6.2M | 19.67M | 17.53M |
Net Investment Activity | 0 | -7.75M | -8.12M | 19.26M | -3.49M | -26.3M | -31.37M | -13.79M | 18.93M | 9.89M |
Acquisitions | 0 | 0 | 0 | 0 | -22.75M | 0 | 0 | 0 | 0 | 0 |
Other Investing | -19.36M | -23.82M | -10.49M | -20.26M | -83.7M | 17.51M | -60.96M | -13.82M | -51.75M | -25.53M |
Cash from Financing | 5.01M | 43.05M | 29.1M | 10.83M | 239.15M | -68.7M | 701K | 43.97M | 17.85M | 37.96M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -8.8M |
Share Repurchases | 0 | 0 | -668K | -600K | 0 | 0 | -5.71M | -3.28M | 0 | -4.09M |
Stock Issued | 0 | 33.09M | 0 | 0 | 0 | 37.11M | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 33.09M | -668K | -600K | 0 | 37.11M | -5.71M | -3.28M | 0 | -4.09M |
Debt Issuance (Net) | 0 | 0 | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -3M |
Other Financing | 5.01M | 9.96M | 21.77M | 19M | 148.34M | -30M | 44.41M | 17.27M | -962K | 84.48M |
Net Change in Cash | -12.8M▲ 0% | 10.25M▲ 180.1% | 4.85M▼ 52.7% | 11.09M▲ 128.5% | 130.14M▲ 1073.7% | -66.48M▼ 151.1% | -85.45M▼ 28.5% | 23.7M▲ 127.7% | -8.6M▼ 136.3% | 32.55M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 38.49M | 25.69M | 35.94M | 37.03M | 48.12M | 178.25M | 111.78M | 26.32M | 50.03M | 89.67M |
Cash at End | 25.69M | 35.94M | 40.8M | 48.12M | 178.25M | 111.78M | 26.32M | 50.02M | 41.42M | 84.84M |
Interest Paid | 0 | 0 | 0 | 2.26M | 5.25M | 3.38M | 3.1M | 14.49M | 18.91M | 19.52M |
Income Taxes Paid | 0 | 0 | 0 | 90K | 590K | 2.52M | 2.15M | 2.09M | 2.16M | 1.09M |
Free Cash Flow | 1.54M▲ 0% | -1.24M▼ 180.1% | -5.96M▼ 381.5% | 1.26M▲ 121.1% | 920K▼ 26.9% | 11.02M▲ 1097.9% | 6.17M▼ 44.0% | 7.34M▲ 18.9% | 6.37M▼ 13.3% | 10.22M▲ 0% |
FCF Growth % | -41.43% | -180.13% | -381.5% | 121.12% | -26.93% | 1097.93% | -43.97% | 18.93% | -13.28% | 42.73% |
AFBI Banking Ratios
Affinity Bancshares, Inc. (AFBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 2.6% | 2.26% | 0.59% | 0.46% | 3.91% | 7.51% | 5.99% | 5.4% | 4.34% | 6.03% |
| Return on Assets (ROA) | 0.5% | 0.53% | 0.15% | 0.11% | 0.53% | 0.92% | 0.9% | 0.79% | 0.64% | 0.83% |
| Net Interest Margin | 0% | 0% | 0% | 3.97% | 2.96% | 3.71% | 3.76% | 3.23% | 3.36% | 4.57% |
| Efficiency Ratio | 61.11% | 64.58% | 67.75% | 84.17% | 65.05% | 59.69% | 64.07% | 47.2% | 47.53% | 42.48% |
| Equity / Assets | 19.36% | 26.46% | 24.96% | 24.17% | 9.5% | 15.35% | 14.8% | 14.41% | 14.9% | 13.55% |
| Book Value / Share | 7.23 | 12.13 | 12.25 | 11.22 | 11.77 | 17.41 | 17.32 | 18.53 | 19.64 | 19.35 |
| NII Growth | - | - | - | - | 98.2% | 16.44% | 1.64% | -8.59% | 7.24% | 48.84% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 116.63% |
Related:AFBI Dividend History·AFBI Revenue History·AFBI Price History·AFBI P/E History·AFBI Financial Ratios·AFBI Institutional Holders
AFBI SEC Filings & Documents
Affinity Bancshares, Inc. (AFBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
AFBI Frequently Asked Questions
Affinity Bancshares, Inc. (AFBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Affinity Bancshares, Inc. (AFBI) grew revenue by 10.7% over the past year. This is steady growth.
Yes, Affinity Bancshares, Inc. (AFBI) is profitable, generating $7.5M in net income for fiscal year 2024 (10.9% net margin).
Dividend & Returns
Affinity Bancshares, Inc. (AFBI) has a return on equity (ROE) of 4.3%. This is below average, suggesting room for improvement.
Industry Metrics
Affinity Bancshares, Inc. (AFBI) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
Affinity Bancshares, Inc. (AFBI) has an efficiency ratio of 47.5%. This is excellent, indicating strong cost control.