Affinity Bancshares Q4 net income down to $1.3M from $1.5M; FY24 EPS $0.83 vs $0.98

Affinity Bancshares, Inc.

2024-FY EPS reported $0.83

GAAP net income $1.3M for Q4 2024 vs $1.5M in Q4 2023; diluted EPS $0.20 vs $0.23.
Full-year 2024 net income $5.4M vs $6.4M in 2023; diluted EPS $0.83 vs $0.98.
Adjusted diluted EPS (non-GAAP) $0.26 in Q4 and $1.03 for FY 2024 vs $0.98 in FY 2023.
Net interest margin improved to 3.56% in Q4 from 3.32% a year ago; efficiency ratio worsened to 75.95%.
Tangible book value per share rose to $17.30 from $16.08; total assets $866.8M.

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