AFBI - Affinity Bancshares, Inc.

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Jan 10, 2020 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	3.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	—	4.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-21%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	6.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	—	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	12.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+104%)	-1.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-126%)	—	-7.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-221%)	-5.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-189%)	-10.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-279%)	—	6.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	-2.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	-8.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-233%)	—	-2.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-135%)	28.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+373%)	58.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+867%)	—	—	—	—	—	—
EPS Growth YoY (%)	27.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	66.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	29.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	112.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	38.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-12.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	8.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-36.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-19.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	30.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-20.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	4.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	112.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	—	—
Net Income Growth YoY (%)	24.7% Good ↓ Good Declining Year-over-year change in net income	58.4% Excellent → Excellent Stable Year-over-year change in net income	28.2% Excellent ↓ Excellent Declining Year-over-year change in net income	108.7% Excellent ↑ Excellent Improving Year-over-year change in net income	37.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-11.1% Weak ↑ Weak Improving Year-over-year change in net income	6.6% Fair ↑ Fair Improving Year-over-year change in net income	-35.2% Weak ↓ Weak Declining Year-over-year change in net income	-22.5% Weak ↓ Weak Declining Year-over-year change in net income	-10.9% Weak ↓ Weak Declining Year-over-year change in net income	-12.8% Weak ↓ Weak Declining Year-over-year change in net income	-11.2% Weak ↓ Weak Declining Year-over-year change in net income	-3.9% Weak ↓ Weak Declining Year-over-year change in net income	28.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-12.7% Weak ↑ Weak Improving Year-over-year change in net income	-16.0% Weak ↓ Weak Declining Year-over-year change in net income	-16.0% Weak Weak Year-over-year change in net income	-8.3% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	—	1.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	2.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	1.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-6.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.7% Fair Fair Compound annual revenue growth over 3 years	9.1% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	—	1.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.9% Fair Fair Compound annual revenue growth over 5 years	6.4% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	12.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	10.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	8.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	1.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	1.3% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-22.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.1% Fair → Fair Stable Compound annual EPS growth over 3 years	0.0% Caution Caution Compound annual EPS growth over 3 years	16.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Jan 10, 2020 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	37.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	—	34.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	34.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	30.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	—	28.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	16.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	24.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	28.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	28.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	30.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	—	30.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	30.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	28.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	—	31.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	38.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	30.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—	31.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	21.9% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	-32.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-228%)	—	—
Effective Tax Rate (%) (%)	23.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.5% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	28.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	—	26.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	25.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	23.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	—	21.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	12.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	18.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	—	21.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	—	22.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	26.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	23.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	—	-16.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-176%)	-20.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-194%)	-22.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-203%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Jan 10, 2020 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	1.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	1.0% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	-1.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	-1.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	-1.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Jan 10, 2020 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Jan 10, 2020 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$1.33	—	$1.34	$1.32	$1.22	—	$1.24	$1.29	$1.14	—	$1.17	$1.14	$1.13	—	$1.22	$1.18	$1.23	—	$1.11	$1.17	$1.32	—	$1.03	$0.91	$0.84	—	—
Basic EPS, GAAP (USD)	$0.37	$0.35	$0.35	$0.34	$0.29	$0.21	$0.27	$0.16	$0.21	$0.24	$0.25	$0.25	$0.26	$0.26	$0.28	$0.27	$0.26	$0.20	$0.26	$0.34	$0.31	$0.19	$0.25	$0.16	$-0.19	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$21.24	$20.84	$20.25	$19.71	$19.25	$20.14	$20.02	$19.49	$19.22	$18.94	$18.46	$18.18	$18.02	$17.73	$17.32	$17.50	$17.58	$17.60	$17.42	$17.11	$16.76	$11.77	$10.46	$11.30	$11.12	$10.21	—
Tangible Book Value per Share (USD)	$18.42	$18.02	$17.47	$16.98	$16.55	$17.46	$17.34	$16.81	$16.54	$16.26	$15.78	$15.53	$15.40	$15.12	$14.73	$14.89	$17.58	$15.10	$17.42	$17.11	$16.76	$11.77	$10.46	$11.30	$11.12	$7.93	—
Basic Weighted Avg Shares (shares)	6.10M	—	6.26M	6.31M	6.41M	—	6.41M	6.42M	6.42M	—	6.42M	6.49M	6.60M	—	6.65M	6.59M	6.81M	—	6.87M	6.87M	6.87M	—	7.57M	6.83M	6.83M	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Jan 10, 2020 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$129.46M	$127.02M	$125.41M	$124.10M	$122.28M	$129.12M	$128.38M	$125.06M	$123.30M	$121.52M	$118.48M	$117.94M	$118.31M	$117.10M	$115.22M	$115.37M	$116.36M	$120.97M	$119.70M	$117.64M	$115.25M	$80.78M	$79.21M	$77.24M	$75.94M	$77.17M	$76.40M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Jan 10, 2020 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$8.12M	—	$8.36M	$8.32M	$7.82M	—	$7.98M	$8.27M	$7.33M	—	$7.53M	$7.37M	$7.45M	—	$8.12M	$7.79M	$8.35M	—	$7.63M	$8.02M	$9.07M	—	$7.80M	$6.25M	$5.74M	—	—
Net Income, GAAP (USD)	$2.28M	$2.13M	$2.22M	$2.15M	$1.83M	$1.34M	$1.73M	$1.03M	$1.33M	$1.51M	$1.62M	$1.59M	$1.72M	$1.70M	$1.86M	$1.79M	$1.79M	$1.32M	$2.13M	$2.13M	$2.13M	$1.44M	$-1.30M	$-1.30M	$-1.30M	—	—
Operating Cash Flow (USD)	$4.40M	$2.26M	$3.69M	$3.77M	$1.92M	$865.00K	$4.09M	$619.00K	$1.22M	$1.81M	$1.73M	$2.33M	$2.00M	$-646.00K	$2.35M	$1.96M	$3.91M	$-1.30M	$671.00K	$3.82M	$8.67M	$1.84M	$2.37M	$24.00K	$-2.86M	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Jan 10, 2020 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	3.7%	3.4%	3.3%	3.2%	3.4%	—	—	3.1%	3.2%	—	—	3.0%	3.7%	—	—	4.1%	3.4%	—	—	4.2%	3.3%	—	—	—	—	—
Efficiency Ratio (%) (%)	64.2%	—	65.0%	65.7%	68.5%	—	71.5%	81.2%	76.0%	—	71.8%	71.7%	69.7%	—	67.6%	67.2%	69.0%	—	65.9%	58.3%	65.0%	—	60.9%	73.3%	123.4%	—	—

Affinity Bancshares, Inc.

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