Monitor next quarter for net interest margin trend; strong YoY EPS growth and improving asset quality suggest positive momentum despite slight margin compression.
Price Chart
Executive Summary
Affinity Bancshares (AFBI) reported Q1 2026 earnings with $2.284M net income and $0.36 diluted EPS, up 24.7% and 24.1% YoY respectively. Net interest margin declined 2 basis points to 3.50%. The company highlighted steady loan growth and strong asset quality.
Key Financial Metrics
Key Facts
- Net income: $2.284M (+24.7% YoY)
- Diluted EPS: $0.36 (+24.1% YoY)
- Net interest margin: 3.50% (-2 bps YoY)
- Total assets: $924.7M (+4.9% QoQ)
- Loan growth: $9.1M QoQ, $28.6M YoY
- Non-performing loans: $3.5M (-1.1M YoY)
Financial Impact
EPS beat YoY growth rate by 24.1%, driven by higher net interest income and lower non-interest expenses
Risk Factors
- Net interest margin declined slightly
- Dependence on interest rate environment
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-177392 |
| Document: afbi-20260424.htm | 0001193125-26-177392 |
| Document: afbi-ex99_2.htm | 0001193125-26-177392 |
| Document: 0001193125-26-177392-index-headers.html | 0001193125-26-177392 |
| Document: 0001193125-26-177392-index.html | 0001193125-26-177392 |
| Document: 0001193125-26-177392.txt | 0001193125-26-177392 |
| 8-K Data (Synthetic) | 0001193125-26-177392 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Jul 17, 2026 14w ago | 8-K | $22.79 | awaiting T+20 | — | — |
Jun 11, 2026 19w ago | Institutional Cluster | $22.51 $22.66 | ▲ +0.67% | ▼ −1.22% | — |
May 29, 2026 21w ago | DEFM14A | $22.47 $22.60 | ▲ +0.58% | ▲ +2.37% | — |
Apr 24, 2026 26w ago | 8-K | $22.43 $22.48 | ▲ +0.22% | ▼ −4.73% | — |
Apr 17, 2026 27w ago | 10-K/A | $22.40 $22.46 | ▲ +0.27% | ▼ −3.93% | — |
Mar 30, 2026 29w ago | DEFA14A | $22.26 $22.44 | ▲ +0.81% | ▼ −8.61% | — |
US Market Status
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