Affinity Bancshares, Inc.(AFBI)Stock Analysis
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Not in ranked universe
Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 29 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
AFBI Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Affinity Bancshares, Inc. (AFBI), a Financials sector company. AFBI is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 29 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), Affinity Bancshares, Inc. reports quarterly revenue of $8.1M, net income of $2.3M, an operating margin of 37.0%. Top institutional holders of AFBI by reported 13-F value include ALLIANCEBERNSTEIN L.P., RAFFLES ASSOCIATES, GARDNER LEWIS ASSET MANAGEMENT L P, based on the most recent SEC filings. AFBI trades on the Nasdaq exchange and files with the SEC under CIK 1823406. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate AFBI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Affinity Bancshares, Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$8.1M
Net Income
Q1 2026
$2.3M
Free Cash Flow
Q1 2026
$4.4M
Operating Margin
Q1 2026
37.0%
ROIC
Q1 2026
2.3%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+53.1% YoYEPS (Diluted)
+55.4% YoYTotal Assets
+1.7% YoYOp. Cash Flow
+71.4% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Income | $8.3M +53.1% | $5.4M -15.6% | $6.4M -9.6% | $7.1M -5.8% | $7.6M +145.2% | $3.1M |
| EPS (Diluted) | $1.29 +55.4% | $0.83 -15.3% | $0.98 -7.5% | $1.06 -2.8% | $1.09 +165.9% | $0.41 |
| Total Assets | $881.7M +1.7% | $866.8M +2.8% | $843.3M +6.6% | $791.3M +0.4% | $788.1M -7.4% | $850.6M |
| Operating Cash Flow | $11.6M +71.4% | $6.8M -13.7% | $7.9M +4.0% | $7.6M -36.1% | $11.9M +764.4% | $1.4M |
AI Insight: AFBI Financial Trends
AFBI's equity base has modestly recovered to $129M in Q1 2026, while net income holds steady at $2M per quarter after a weak Q4 2024 dip.
• Net income stabilized at $2M per quarter across Q2 2025 through Q1 2026, recovering from a $1M trough in Q4 2024.
• Equity dipped to $122M in Q1 2025 but has since recovered to $129M in Q1 2026, matching the Q4 2024 level.
• Operating cash flow oscillates between $1M and $4M with no consistent upward trend across the eight quarters.
⚠ Revenue and operating income data are entirely absent — limits ability to assess margin trends or core earnings quality.
⚠ Equity fell $7M in Q1 2025 despite positive net income — source of the drawdown warrants scrutiny.
AI Insight: AFBI Ratio Trends
AFBI's profitability has roughly doubled since Q2 2024, with ROE rising from 3.3% to 7.1% and ROIC from 4.3% to 9.3% by Q1 2026.
• ROE expanded from 3.3% in Q2 2024 to 7.1% in Q1 2026, more than doubling over six quarters.
• ROA improved from 0.5% in Q2 2024 to 1.0% in Q1 2026, doubling asset-level profitability.
• ROIC climbed from 4.3% in Q2 2024 to 9.3% in Q1 2026, reflecting steadily more efficient capital deployment.
⚠ Q4 2024 saw ROE dip to 4.2% and ROIC to 5.0% — quarterly volatility remains a pattern worth monitoring.
⚠ OpMargin, NPM, and D/E are entirely absent; leverage and earnings-quality trends cannot be assessed.
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Available Research
13F Pro tracks comprehensive data for Affinity Bancshares, Inc. including:
Top Institutional Holders of AFBI
ALLIANCEBERNSTEIN L.P.
$12.2M598,619 shRAFFLES ASSOCIATES LP
$4.4M198,842 shGARDNER LEWIS ASSET MANAGEMENT L P
$3.4M151,282 shYakira Capital Management, Inc.
$1.7M76,294 shDIMENSIONAL FUND ADVISORS LP
$1.3M60,098 shRENAISSANCE TECHNOLOGIES LLC
$1.3M59,148 shGEODE CAPITAL MANAGEMENT, LLC
$1.1M49,675 shPRELUDE CAPITAL MANAGEMENT, LLC
$987.8K44,376 shFLYWHEEL PRIVATE WEALTH LLC
$912.7K41,000 shGABELLI FUNDS LLC
$639.7K28,737 sh
| Fund | Value | Shares |
|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $12.2M | 598,619 |
| RAFFLES ASSOCIATES LP | $4.4M | 198,842 |
| GARDNER LEWIS ASSET MANAGEMENT L P | $3.4M | 151,282 |
| Yakira Capital Management, Inc. | $1.7M | 76,294 |
| DIMENSIONAL FUND ADVISORS LP | $1.3M | 60,098 |
| RENAISSANCE TECHNOLOGIES LLC | $1.3M | 59,148 |
| GEODE CAPITAL MANAGEMENT, LLC | $1.1M | 49,675 |
| PRELUDE CAPITAL MANAGEMENT, LLC | $987.8K | 44,376 |
| FLYWHEEL PRIVATE WEALTH LLC | $912.7K | 41,000 |
| GABELLI FUNDS LLC | $639.7K | 28,737 |
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Popular Research
Is AFBI a good stock to buy?
13F Pro's AI-powered analysis of Affinity Bancshares, Inc. (AFBI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for AFBI are available on the AFBI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own AFBI?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling AFBI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Affinity Bancshares, Inc.'s investment landscape.