All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2020; the latest 2021-04-01.
From the record
Affinity Bancshares, Inc.'s filings since 2020 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2021-04-01) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+22.6% a year over 7 filed years; profitable in 7 of 7.
From the record
Affinity Bancshares, Inc.'s 7 filed years say what it did: revenue went from $15 million in fiscal 2019 to $51 million in fiscal 2025, up 22.6% a year; it rose in 5 of 6 years; the deepest fall was 1% from fiscal 2021 to fiscal 2022; net income was positive in 7 of 7 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 1.6% a year. 69% of cash flow returned. Insiders: 0 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Affinity Bancshares, Inc.'s diluted share count shrank about 1.6% a year, and dividends and buybacks returned about 69% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 7%: 7¢ of profit per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Affinity Bancshares, Inc. earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 86 cents per dollar of assets, and net share issuance: its share count shrank 2.0% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 43% of 22 in its family; net margin 16.3%.
From the record
Affinity Bancshares, Inc.'s standing among 22 graded names in its industry family: revenue of $51 million in fiscal 2025 ranks in the bottom 30% by size; a net margin of 16.3% ranks in the top 43%; revenue growth of 16.6% a year over the last 3 filed years ranks in the bottom 43% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 44% of 16 in its family for leadership; chief executive since 2021.
From the record
Affinity Bancshares, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Cooney, Edward John (CEO, as filed), filing under that title since 2021-01-20, 5.8 years (top 27% of its family); the 13 officers and directors filing in the last fifteen months have been on the record a median of 5.8 years (bottom 46%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 13 people in charge now (bottom 48%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 33% of 19 in its family for room to expand.
From the record
Affinity Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $54 million against no long-term debt tagged leaves 6.1% of its assets as net cash, top 22% of its family; cash from operations less capital spending is 22% of revenue (top 43%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 22% of 19 in its family for growth drivers.
From the record
Affinity Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 16.6% a year over the last three filed years against 22.6% over all 7, slowing (bottom 3% of its family); the newest year grew 6.3% (top 50%); capital spending grew -32.8% a year (bottom 14%) (its annual reports). Affinity Bancshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 36% of 17 in its family for expectations against reality.
From the record
Affinity Bancshares, Inc.'s newest year against its own record: revenue of $51 million in fiscal 2025 came in 13% below the $59 million its prior three years' pace pointed to (top 32% of its family); net income of $8 million against a prior three-year average of $6 million (top 38%); a net margin of 16.3% against 16.2% before (top 38%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made