Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Net income | $355K | $3.09M | $7.57M | $7.13M | $6.45M | $5.44M | $8.33M |
| EPS (diluted) | $0.05 | $0.41 | $1.09 | $1.06 | $0.98 | $0.83 | $1.29 |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | $1.64M | $1.37M | $11.9M | $7.57M | $7.87M | $6.79M | $11.6M |
| Capital expenditures | $377K | $451K | $830K | $1.39M | $527K | $422K | $422K |
| Free cash flow | $1.26M | $920K | $11.0M | $6.17M | $7.34M | $6.37M | $11.2M |
| Share buybacks | $600K | $0.00 | — | $5.71M | $3.28M | — | $5.94M |
| Dividends paid | — | — | — | — | — | — | $8.80M |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $48.1M | $178M | $112M | $26.3M | $50.0M | $41.4M | $53.9M |
| Total assets | $319M | $851M | $788M | $791M | $843M | $867M | $882M |
| Total liabilities | $242M | $770M | $667M | $674M | $722M | $738M | $755M |
| Shareholders' equity | $77.2M | $80.8M | $121M | $117M | $122M | $129M | $127M |
| Retained earnings | $47.6M | $50.6M | $58.2M | $65.4M | $71.3M | $76.8M | $76.1M |
| Shares (wtd avg diluted) | 7.56M | 6.87M | 6.97M | 6.76M | 6.56M | 6.58M | 6.45M |
Every figure is extracted from Affinity Bancshares, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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