Start here if you're new
what it is
It takes deposits and makes loans for Georgia businesses and households.
how it gets paid
For the year ended Dec. 31, 2025, net interest income was about $31.1M (not “$48M revenue”—banks are read on spread income and credit quality). Commercial real estate remains a large share of the loan book.
what just happened
Q4 2025 net income was about $2.1M; diluted EPS was $0.34 for the quarter and $1.29 for the full year (per the company release).
At a glance
B balance sheet — gets the job done, barely
35/100 earnings predictability — expect surprises
15.1x trailing p/e — the market's not buying it — or you found a deal
$0.83 fy2024 eps est
$6M fy2024 rev est
xvary composite: 53/100 — below average
What they do
It takes deposits and makes loans for Georgia businesses and households.
Affinity has 3 full-service offices and 1 loan production office in Georgia. That is a small footprint, but it keeps the bank close to local borrowers. It has 88 employees, so your money is handled by a small team, not a call center maze.
How they make money
~$31.1M
net interest income (FY2025, GAAP)
Net interest income (FY2025)
~$31.1M
vs. ~$29.2M prior year
Net interest income (Q4 2025)
~$8.3M
vs. ~$7.4M prior-year quarter
Loan-book lens
~62% CRE + resi
concentration risk
The products that matter
lends against property
Commercial real estate loans
62% loan-book real estate exposure
Commercial real estate plus residential mortgages make up 62% of the loan book. That's concentration, and it's the first number you should watch.
key risk
lends to households
Consumer & residential loans
NII tied to local borrowers
Consumer and residential lending still sits inside a Georgia-focused book. It can support spread income when credit stays clean, but it does not diversify you away from local borrower health.
growth driver
gathers customer funding
Deposit accounts
~$31.1M FY net interest income
Deposits fund the loan book; FY2025 net interest income was about $31.1M (Q4 about $8.3M)—that spread income is what pays for credit costs and expenses.
funding base
Key numbers
~$31M
FY NII
Net interest income is the right top-line lens for a bank. FY2025 was about $31.1M on a ~$116M market cap—still small bank, small dollars.
$1.29
FY2025 diluted EPS
Full-year diluted EPS was $1.29 for 2025 per the Q4 2025 release—use that instead of blended screen TTM when the print is fresh.
15.1x
trailing p/e
You are paying 15.1 years of last year's earnings for one share. That is not cheap for a bank this small.
0.55
beta
The stock has moved about half as much as the market. Calm is nice. Calm does not make it cheap.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 90 / 100
- long-term debt $59M (34% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for AFBI right now.
source: institutional data · return history unavailable
What just happened
reported results
Q4 2025 net interest income ~$8.3M; diluted EPS $0.34.
Net income was about $2.1M for the quarter vs. ~$1.3M in the prior-year quarter. FY2025 net interest income was ~$31.1M vs. ~$29.2M in 2024—this is a spread-and-credit story, not a “$38M revenue” e-commerce print.
~$8.3M
Q4 NII
$0.34
Q4 diluted EPS
n/a
n/a
quarterly net income
The ~$2.1M Q4 net income vs. ~$1.3M a year ago is the clean Y/Y check on whether spread and expenses are moving your way.
sources: Affinity Bancshares Q4/FY2025 results (Business Wire, Jan. 23, 2026) · businesswire.com
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
the #1 risk is real-estate concentration inside a small Georgia loan book.
high
Real estate concentration
62% of the loan portfolio is in commercial and residential real estate. If property conditions weaken in its Georgia footprint, your credit risk is not spread very far.
62% of the book
med
Premium valuation vs. peers
AFBI trades at 16.6x earnings versus 11.3x for bank peers. You're paying up before the bank has shown a premium return profile.
16.6x vs. 11.3x
med
Earnings quality still needs proof
Q4 net income rose 58.5% and diluted EPS rose 70%, but the predictability score is still 35/100. If results stay lumpy, the market stops paying a premium fast.
35 / 100 predictability
low
Small scale
With a market cap of roughly $116M, this is a small bank in a crowded market. Small changes in loan quality, funding costs, or local competition matter more here than they do at larger banks.
~$116M market cap
62% of the loan book ties your risk to one asset class, and a 16.6x multiple leaves less room for a mistake.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
Net margin holding above 23.7%
Recent net margin was 23.7%. If that starts sliding while the stock still trades at 16.6x earnings, you lose the cleanest defense for the premium.
calendar
Next earnings print
You want to see whether the recent $2.1M of quarterly net income and 55% full-year EPS growth were the start of a trend or just a good stretch.
trend
Buyback execution
The repurchase program announced Jan 7, 2026 only matters if shares actually come off the market. For a ~$116M company, that can change per-share math faster than you think.
risk
Loan quality inside the property book
With 62% of the book tied to real estate, asset quality is the number behind the number. If credit quality slips, the market will read that before it reads the press release.
Analyst rankings
earnings predictability
35 / 100
Analysts see this as a harder-to-model bank. In human-speak: don't assume one strong quarter becomes a clean straight line.
risk rank
3
This sits around the middle of the pack on safety. In human-speak: not a distress story, not a bunker either.
source: institutional data
Institutional activity
institutional ownership data for AFBI is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$20
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive