Stocktoria
Affinity Bancshares, Inc. AFBI
Nasdaq · XNAS · stock · Savings Institutions, Not Federally Chartered · website · IPO 2017-04-28
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5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
105.6%
Dividend payout · at-risk
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $8.3M | $5.4M | $6.4M | $7.1M | $7.6M |
| Operating cash flow | $11.6M | $6.8M | $7.9M | $7.6M | $11.9M |
| Free cash flow | $11.2M | $6.4M | $7.3M | $6.2M | $11.0M |
| Total assets | $881.7M | $866.8M | $843.3M | $791.3M | $788.1M |
| Total liabilities | $754.7M | $737.7M | $721.7M | $674.2M | $667.1M |
| Shareholders' equity | $127.0M | $129.1M | $121.5M | $117.1M | $121.0M |
| Ratios | |||||
| Return on assets | 0.9% | 0.6% | 0.8% | 0.9% | 1.0% |
| Return on equity | 6.6% | 4.2% | 5.3% | 6.1% | 6.3% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 59,148 | $1.3M |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001823406 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.