---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-011460"
form_type: "8-K"
ticker: "AFBI"
cik: "0001823406"
company_name: "Affinity Bancshares, Inc."
filed_at: "2025-01-31T23:59:59+00:00"
generated_at: "2026-05-27T04:48:06.142574+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-25-011460
- form_type: 8-K
- ticker: AFBI
- cik: 0001823406
- company_name: Affinity Bancshares, Inc.
- filed_at: 2025-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1823406/000095017025011460/0000950170-25-011460-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823406/000095017025011460/afbi-20250131.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-011460
- JSON: https://secwatch.observer/filing/0000950170-25-011460.json
- Plain text: https://secwatch.observer/filing/0000950170-25-011460.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.