Affinity Bancshares
Operates a Georgia banking franchise with dental-practice and indirect-auto lending specialties.
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Profile
Operates through Affinity Bank, serving its Georgia markets while extending dental-practice and indirect-auto lending across the Southeast. The franchise combines commercial real estate, commercial-and-industrial, and consumer banking, and is structured around a sole bank subsidiary with a pending merger into Fidelity Bank.
Operates through Affinity Bank, a Georgia franchise serving Newton, Cobb, and Fulton Counties through traditional local banking. Its lending includes commercial real estate and commercial-and-industrial loans, alongside dental-practice lending across the Southeast and indirect-auto lending through Affinity Bank Dealer Select.
Affinity Bank is the sole operating subsidiary, with the parent managed as one operating unit. The bank's conversion to a national charter places the holding company under Federal Reserve regulation. A pending merger calls for Affinity Bancshares and Affinity Bank to merge into Fidelity Bank, subject to customary closing conditions.
Company facts
Categories
Key statistics
Year to date +12.0% · Average volume (30d) 12.1K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Apr 24, 2026Q1 FY26 | — | $0.36 | — | — | $12.3M | — | +0.09% |
| Jan 23, 2026Q4 FY25 | — | $0.40 | — | — | $13.5M | — | +0.98% |
| Oct 24, 2025Q3 FY25 | — | $0.37 | — | — | $13.5M | — | 0.00% |
| Jul 25, 2025Q2 FY25 | — | $0.36 | — | — | $13.4M | — | +2.76% |
Financial highlights
| 12 quarters | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $12.4M | $12.6M | $13.4M | $13.5M | $13.5M | $12.3M | |
| Gross profit | $7.4M | $7.8M | $8.3M | $8.3M | $8.5M | $7.6M | |
| Operating income | $1.6M | $2.4M | $2.8M | $2.9M | $3.1M | $2.5M | |
| Net income | $1.3M | $1.8M | $2.2M | $2.2M | $2.1M | $2.3M | |
| Diluted EPS | $0.20 | $0.28 | $0.33 | $0.34 | $0.34 | $0.36 | |
| Gross margin | 59.5% | 61.7% | 62.1% | 61.8% | 63.2% | 61.3% | |
| Operating margin | 12.9% | 19.1% | 21.2% | 21.6% | 22.8% | 19.8% |
Fiscal years (4-quarter sums)FY21 $35.3M · FY22 $34.5M · FY23 $45.2M · FY24 $50.0M · FY25 $52.9M
Balance sheet, Mar 31, 2026Cash & short-term investments $42.8M · Total debt $54.0M · Total assets $924.7M · Shareholders' equity $129.5M
Dividends
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Mar 13, 2025 | Mar 13 | Mar 27 | $1.50 | special dividend |
Ownership
Shares outstanding 6.09M · Float 4.26M · 70.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| AllianceBernstein L.P. | 598.6K | 9.80% | 13G | May 18, 2026 |
| Affinity Bank Employee Stock Ownership Plan Trust | 545.6K | 8.90% | 13G | Feb 6, 2026 |
| Raffles Associates LP | 198.8K | 3.26% | 13F | May 15, 2026 |
| Gardner Lewis Asset Management L P | 151.3K | 2.48% | 13F | May 8, 2026 |
| Vanguard Capital Management LLC | 143.7K | 2.36% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 25, 2025 | Robert Vickers | officer: Chief Operations Officer | −7,565 | $19.47 |
Peers
- United Community Banks
Georgia full-service bank with broad commercial lending and deposits
- Pinnacle Financial Partners
Atlanta-based regional bank with Georgia commercial and specialty lending
- Live Oak Bancshares
Nationwide specialty lender to dental and other healthcare practices
- Ally Financial
National auto-finance platform with consumer and dealer financing
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Affinity Bancshares | $23.00 | 0.00% | $140.2M | 16.8 | — | 2.7 | −1.9% |
| United Community Banks | $35.18 | −0.01% | $4.21B | 11.5 | 11.6 | 2.7 | +9.8% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| Live Oak Bancshares | $40.13 | −0.04% | $1.86B | 14.1 | 11.1 | 1.7 | +10.0% |
| Ally Financial | $42.18 | 0.00% | $12.83B | 9.9 | 7.1 | 0.8 | −0.3% |
| Median | 12.0 | 10.2 | 2.2 | +9.9% |