Affinity Bancshares, Inc.
AFBINasdaqFinancials · Savings Institutions, Not Federally Chartered · MD · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $8.3M | $5.4M | $6.4M | $7.1M | $7.6M | $3.1M |
| Total assets | $881.7M | $866.8M | $843.3M | $791.3M | $788.1M | $850.6M |
| Total liabilities | $754.7M | $737.7M | $721.7M | $674.2M | $667.1M | $769.8M |
| Equity | $127.0M | $129.1M | $121.5M | $117.1M | $121.0M | $80.8M |
| EPS (diluted) | $1.29 | $0.83 | $0.98 | $1.06 | $1.09 | $0.41 |
| Shares out. | 6.4M | 6.4M | 6.6M | 6.6M | 6.8M | 7.6M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.6%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 85.6%
- Debt / equity
- 5.94×
- Book value / share
- $19.89
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 53.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.4%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Apr 1, 2021
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Alliancebernstein L.P.Passive (13G)May 18, 2026
- Affinity Bank Employee Stock Ownership Plan TrustPassive (13G)Feb 6, 2026
- Vanguard Group IncPassive (13G)Oct 30, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Vickers RobertOfficer — Chief Operations Officer | Nov 16, 2025 | Tax withholding | 192 | $19.36 |
| Pajot Brandi COfficer — SVP - Chief Financial Officer | Nov 16, 2025 | Tax withholding | 274 | $19.36 |
| Nelson ClarkOfficer — EVP and CCO | Nov 16, 2025 | Tax withholding | 1,400 | $19.36 |
| Vickers RobertOfficer — Chief Operations Officer | Aug 25, 2025 | Sell | 7,565 | $19.47 |
| Pajot Brandi COfficer — SVP - Chief Financial Officer | Jul 28, 2025 | Tax withholding | 275 | $19.37 |
| Nelson ClarkOfficer — EVP and CCO | Jul 1, 2025 | Tax withholding | 548 | $18.40 |
| Nelson ClarkOfficer — EVP and CCO | Jun 6, 2025 | Sell | 9,473 | $18.21 |
| Reich Robin SDirector | Jun 2, 2025 | Buy | 5,418 | $18.49 |
| Vickers RobertOfficer — Chief Operations Officer | Apr 30, 2025 | Tax withholding | 498 | $18.36 |
| Pajot Brandi COfficer — SVP - Chief Financial Officer | Apr 30, 2025 | Tax withholding | 498 | $18.36 |
| Nelson ClarkOfficer — EVP and CCO | Apr 30, 2025 | Tax withholding | 597 | $18.36 |
| Pajot Brandi COfficer — SVP - Chief Financial Officer | Mar 21, 2025 | Tax withholding | 274 | $18.07 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 5,974 | 1.0 | +1.6% |
| Apr 30, 2026 | 5,880 | 1.0 | -0.7% |
| Apr 15, 2026 | 5,924 | 1.0 | -49.8% |
| Mar 31, 2026 | 11,802 | 1.0 | +102.4% |
| Mar 13, 2026 | 5,831 | 2.3 | +24.5% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Results of operationsApr 24, 2026
- Entered a material agreement · Director / officer change · Other material eventMar 31, 2026
- Results of operationsJan 23, 2026
- Other material eventJan 7, 2026
- Director / officer changeDec 23, 2025
- Results of operationsOct 24, 2025
- Director / officer changeSep 26, 2025
- Results of operationsJul 25, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- DEFM14AMay 29, 2026
- SCHEDULE 13G/AMay 18, 2026
- 10-QMay 8, 2026
- PREM14AMay 6, 2026
- 8-KApr 24, 2026
- 10-K/AApr 17, 2026
- DEFA14AMar 31, 2026
- 8-KMar 31, 2026
- DEFA14AMar 30, 2026
- 10-KMar 20, 2026
- SCHEDULE 13G/AFeb 6, 2026
- 8-KJan 23, 2026
- 3FORM 3Jan 23, 2026
- 8-KAFFINITY BANCSHARES, INC. FORM 8-K JANUARY 7, 2026Jan 7, 2026
- 8-KAFFINITY BANCSHARES, INC. FORM 8-K DECEMBER 18, 2025Dec 23, 2025