Affinity Bancshares, Inc. (AFBI)

Affinity Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	8.79	8.33	5.44	6.45	7.13	7.57
Depreciation & Amortization	0.72	0.72	0.74	0.74	0.34	0.67
Gain (Loss) on Sale of Assets	0	0	-0.14	-	0.11	-0.13
Gain (Loss) on Sale of Investments	0.26	0.26	0.39	-	-	-
Total Asset Writedown	-	-	-	0.05	-	1.18
Provision for Credit Losses	-0.03	0.13	0.44	-0.04	0.7	1.08
Accrued Interest Receivable	1.33	-0.04	0.73	-0.53	-0.72	2.76
Other Operating Activities	0	-0.33	-0.24	0.04	-0.07	-0.59
Operating Cash Flow	14.13	11.64	6.79	7.87	7.57	11.85
Operating Cash Flow Growth	88.57%	71.40%	-13.73%	4.00%	-36.13%	764.41%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-0.32	-0.42	-0.42	-0.53	-1.39	-0.83
Sale of Property, Plant and Equipment	0.01	0.01	-	-	-	-
Investment in Securities	32.59	27.67	18.93	-13.79	-31.37	-26.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-30.45	-28.22	-54.73	-13.82	-61.49	15.79
Other Investing Activities	-0.57	-0.29	-	-	-	0.3
Investing Cash Flow	1.25	-1.24	-33.25	-28.14	-93.72	-9.62

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	0.03	0.03	0.03	0.03	-
Long-Term Debt Issued	-	10	35.84	85	105	35
Total Debt Issued	20.03	10.03	35.87	85.03	105.03	35
Short-Term Debt Repaid	-	-0.03	-0.03	-0.05	-	-
Long-Term Debt Repaid	-	-14.82	-17.02	-55	-143	-110.81
Total Debt Repaid	-20.03	-14.84	-17.05	-55.05	-143	-110.81
Net Debt Issued (Repaid)	-	-4.82	18.82	29.98	-37.98	-75.81
Issuance of Common Stock	-	0.06	-	-	-	37.11
Repurchase of Common Stock	-4.78	-5.94	-	-3.28	-5.71	-
Common Dividends Paid	-	-8.8	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	4.05	21.52	-0.96	17.27	44.39	-25.34
Other Financing Activities	-	-	-	-	-	-4.66
Financing Cash Flow	-0.73	2.03	17.85	43.97	0.7	-68.71

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	14.65	12.43	-8.6	23.7	-85.45	-66.48

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	13.8	11.22	6.37	7.35	6.18	11.02
Free Cash Flow Growth	95.64%	76.13%	-13.29%	18.95%	-43.97%	1097.93%
Free Cash Flow Margin	41.35%	34.06%	20.81%	24.73%	19.63%	35.69%
Free Cash Flow Per Share	2.16	1.74	0.97	1.12	0.91	1.58

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	19.28	19.24	18.91	14.49	3.1	3.39
Cash Income Tax Paid	2.07	2.07	2.16	2.09	2.15	2.52

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 8, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jan 1, 2000

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