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About the company
Affinity Bancshares, Inc. is the holding company for Affinity Bank (the Bank). The Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial real estate loans, commercial and industrial loans and residential real estate loans and, to a lesser extent, construction and land loans and consumer loans. It makes commercial and industrial loans, primarily in its market area, to a variety of professionals, sole proprietorships and small businesses, including dental loans, which are originated throughout the Southeastern United States. It offers a variety of deposit accounts, including checking accounts, savings accounts and certificate of deposit accounts. It gathers deposits nationwide through its virtual bank, FitnessBank, which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. It offers a limited range of consumer loans.
- Revenue in USD (TTM)48.92m
- Net income in USD8.33m
- Incorporated2020
- Employees88.00
- LocationAffinity Bancshares Inc3175 Highway 278COVINGTON 30014United StatesUSA
- Phone+1 (770) 786-7088
- Websitehttps://affinitybankshares.q4ir.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PSB Holdings Inc | 76.29m | 13.46m | 114.10m | 127.00 | 8.51 | 0.9129 | -- | 2.19 | 3.32 | 3.32 | 12.83 | 32.72 | -- | -- | -- | -- | 0.9529 | 0.8832 | -- | -- | -- | -- | 26.81 | 25.32 | -- | -- | -- | 20.51 | 6.62 | 15.19 | 37.32 | 4.72 | -- | 10.12 |
| Croghan Bancshares Inc | 57.57m | 11.17m | 114.13m | 207.00 | 10.47 | 0.8573 | -- | 2.49 | 5.41 | 5.41 | 22.19 | 66.08 | -- | -- | -- | -- | 0.9336 | 1.18 | -- | -- | -- | -- | 24.37 | 29.02 | -- | -- | -- | 37.28 | 12.10 | 7.22 | -6.64 | -4.29 | -15.09 | 4.56 |
| Hoyne Bancorp Inc | 19.34m | -399.39k | 115.22m | 58.00 | -- | 1.28 | 210.70 | 8.41 | -0.0493 | -0.0493 | 1.69 | 11.13 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -2.91 | -- | -- | -- | -- | -- | 8.95 | -- | -231.28 | -- | -- | -- |
| FFD Financial Corp | 10.57m | 1.51m | 115.95m | 51.00 | 80.63 | 6.16 | -- | 12.65 | 0.4961 | 0.4961 | 3.00 | 6.50 | -- | -- | -- | -- | 0.6761 | 0.655 | -- | -- | -- | -- | 16.52 | 16.39 | -- | -- | -- | 54.94 | 2.40 | 2.19 | 40.98 | 0.00 | 16.91 | 7.67 |
| United Bancshares Inc | 58.82m | 12.00m | 115.96m | 211.00 | 9.71 | 1.02 | -- | 2.44 | 4.04 | 4.04 | 16.00 | 38.47 | -- | -- | -- | -- | 1.01 | 1.59 | -- | -- | -- | -- | 25.26 | 33.68 | -- | -- | -- | 15.68 | 10.40 | 8.00 | 31.02 | -2.70 | -- | 12.77 |
| Citizens Bancshares Corp | 12.51m | 2.04m | 116.34m | 102.00 | 50.95 | 2.47 | 40.40 | 7.06 | 0.9146 | 0.9146 | 7.38 | 24.35 | -- | -- | -- | -- | 0.5781 | 0.3062 | -- | -- | -- | -- | 13.83 | 6.58 | -- | -- | -- | 18.10 | -4.45 | -6.16 | 0.668 | 38.05 | -6.94 | 0.00 |
| Winchester Bancorp Inc | 46.33m | 1.42m | 117.12m | 71.00 | 79.34 | 0.9905 | 117.59 | 5.12 | 0.1588 | 0.1588 | 2.52 | 12.72 | -- | -- | -- | -- | 0.1488 | -- | -- | -- | -- | -- | 6.22 | -- | -- | -- | -- | -- | 22.52 | -- | -211.20 | -- | -- | -- |
| First Keystone Corp | 75.50m | 9.06m | 119.93m | 206.00 | 13.18 | 1.07 | 11.73 | 2.74 | 1.46 | 1.46 | 7.04 | 17.97 | -- | -- | -- | -- | 0.5999 | 0.5092 | -- | -- | -- | -- | 20.71 | 16.41 | -- | -- | -- | 101.21 | 25.33 | 13.14 | -337.46 | -- | 25.41 | 0.73 |
| Magyar Bancorp Inc | 56.36m | 10.81m | 120.79m | 91.00 | 10.68 | -- | 14.43 | 3.28 | 1.73 | 1.73 | 5.90 | -- | -- | -- | -- | -- | -- | 0.9121 | -- | -- | -- | -- | 29.33 | 25.13 | -- | -- | -- | -- | 12.63 | 15.23 | 25.40 | 34.83 | 31.32 | -- |
| Lake Shore Bancorp Inc | 36.28m | 7.27m | 121.45m | 93.00 | 16.05 | -- | 20.95 | 4.36 | 0.9668 | 0.9668 | 3.69 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 26.11 | 22.00 | -- | -- | -- | -- | 4.25 | 8.32 | 47.41 | 9.78 | -- | -10.01 |
| First Bancshares Inc (Missouri) | 34.17m | 7.62m | 125.19m | 75.00 | 9.81 | -- | -- | 4.78 | 3.16 | 3.16 | 10.85 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 29.13 | 28.46 | -- | -- | -- | -- | 5.02 | 15.97 | 15.86 | 14.08 | -- | 10.76 |
| University Bancorp Inc (MICHIGAN) | 4.46m | 1.83m | 125.31m | 81.00 | 63.49 | 12.05 | 36.54 | 3.42 | 0.3818 | 0.3818 | 7.65 | 2.01 | -- | -- | -- | -- | 2.00 | 1.85 | -- | -- | -- | -- | 6.65 | 6.56 | -- | -- | -- | -- | 17.72 | 4.91 | 21.25 | -- | 1.41 | -- |
| Affinity Bancshares Inc | 48.92m | 8.33m | 126.18m | 88.00 | 15.98 | 0.9934 | 18.55 | 3.82 | 1.30 | 1.30 | 5.13 | 20.84 | -- | -- | -- | -- | 0.953 | 0.8405 | -- | -- | -- | -- | 25.20 | 22.10 | -- | -- | -- | -- | 7.22 | 9.81 | 53.13 | 21.96 | -- | -- |
| BNCCorp Inc | 49.78m | 8.84m | 130.29m | 136.00 | 14.83 | 1.26 | 13.13 | 3.36 | 2.50 | 2.50 | 10.95 | 29.44 | -- | -- | -- | -- | 0.9169 | 1.73 | -- | -- | -- | -- | 22.80 | 26.79 | -- | -- | -- | 91.11 | 7.34 | 4.20 | 38.97 | -4.98 | -0.9047 | -- |
| Pacific Financial Corp | 59.44m | 11.64m | 132.06m | 234.00 | 11.27 | 1.04 | -- | 2.46 | 1.17 | 1.17 | 5.39 | 12.61 | -- | -- | -- | -- | 0.9588 | 0.9653 | -- | -- | -- | -- | 21.73 | 22.76 | -- | -- | -- | 46.48 | 8.06 | 8.47 | 22.17 | 0.4544 | -- | 8.06 |
Data as of Feb 12 2026. Currency figures normalised to Affinity Bancshares Inc's reporting currency: US Dollar USD
20.15%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AllianceBernstein LPas of 30 Sep 2025 | 546.55k | 8.86% |
| Raffles Capital Management LLCas of 30 Sep 2025 | 199.13k | 3.23% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 135.15k | 2.19% |
| Yakira Capital Management, Inc.as of 30 Sep 2025 | 94.51k | 1.53% |
| Renaissance Technologies LLCas of 30 Sep 2025 | 61.65k | 1.00% |
| Maltese Capital Management LLCas of 30 Sep 2025 | 53.48k | 0.87% |
| Geode Capital Management LLCas of 30 Sep 2025 | 50.92k | 0.83% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 46.88k | 0.76% |
| Vanguard Fiduciary Trust Co.as of 31 Dec 2025 | 27.79k | 0.45% |
| Objectivity Squared LLCas of 31 Dec 2025 | 26.92k | 0.44% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
