Affinity Bancshares, Inc. (AFBI)

Over the past six months, Affinity Bancshares extended executive employment agreements and appointed Teak Shore to the boards of directors. The company announced a 5% stock repurchase program and adopted a stock buyback program. In Q4 2025, the company reported $0.40 earnings per share and revenue of $8.57 million, with net income increasing by 58.5% to $2.1 million. The stock has shown positive performance, reaching an all-time high of $22.50 on December 18, 2025. A director acquired common stock, while some officers sold common stock. Short interest in Affinity Bancshares recently decreased by 16.55%. Affinity Bancshares declared a special dividend of $1.50 per share, payable on March 27, 2025.

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Affinity Bancshares, Inc. operates as a bank holding company for Affinity Bank, a community-focused regional bank headquartered in Covington, Georgia. The company offers a comprehensive suite of banking products and services, including deposit accounts, commercial and residential real estate loans, and consumer loans. Affinity Bancshares also operates FitnessBank, a virtual banking platform that attracts deposits nationwide by offering higher interest rates to customers who meet specific fitness goals. The company also invests in various securities.

Affinity Bancshares, Inc. primarily conducts its banking activities in Georgia, with physical branches located in Covington, Atlanta, Alpharetta, and Monroe. Its operations extend to Newton County, Cobb County, and Fulton County, Georgia, and their surrounding areas. The company also originates dental practice loans and indirect automobile loans throughout the Southeastern United States and gathers deposits nationwide through FitnessBank.

The company's financial performance suggests a stable or improving perception among investors. Increases in net income, earnings per share, and net interest margin, along with an improved efficiency ratio in Q4 2025, indicate sound financial health. A decrease in short interest by 16.55% points to improving investor sentiment, and there is no information to suggest any negative events have significantly affected the company's reputation in the past year.

Affinity Bancshares, Inc. operates with a hybrid ownership model, characterized by a distribution of control between an active insider group and a majority of retail investors. Insiders hold 12.35% of the company's stock. Major institutional owners and shareholders include Alliancebernstein L.p., Vanguard Total Stock Market Index Fund Investor Shares (VTSMX), Raffles Associates Lp, Vanguard Group Inc, Yakira Capital Management, Inc., Vanguard Extended Market Index Fund Investor Shares (VEXMX), Renaissance Technologies Llc, Dimensional Fund Advisors Lp, Maltese Capital Management Llc, and Geode Capital Management, Llc.