<span item_type="fundamental" item_id="d076a9ae6453f0e93cbe503e70a01a57" counter_id="ST/US/AFBI" env="prod"></span><span item_type="announcement" item_id="581353782279805953" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 13.51 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.34.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -4.853 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Loans</strong>: Interest income from loans was $11.2 million for the three months ended September 30, 2025, compared to $10.6 million for the same period in 2024. For the nine months ended September 30, 2025, interest income from loans was $33.1 million, compared to $30.6 million in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: Net income was $2.2 million for the three months ended September 30, 2025, compared to $1.7 million for the same period in 2024. For the nine months ended September 30, 2025, net income was $6.2 million, compared to $4.1 million in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li><li><strong>Net Interest Income</strong>: Net interest income before provision for credit losses was $7.8 million for the three months ended September 30, 2025, compared to $7.4 million for the same period in 2024. For the nine months ended September 30, 2025, net interest income was $22.9 million, compared to $21.7 million in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li><li><strong>Provision for Credit Losses</strong>: The provision for credit losses was $12,000 for the three months ended September 30, 2025, and $79,000 for the nine months ended September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Provided by Operating Activities</strong>: $9.4 million for the nine months ended September 30, 2025, compared to $5.9 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li><li><strong>Net Cash Used in Investing Activities</strong>: - $14.2 million for the nine months ended September 30, 2025, compared to - $31.8 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li><li><strong>Net Cash Provided by Financing Activities</strong>: $48.2 million for the nine months ended September 30, 2025, compared to $28.1 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Loan-to-Deposit Ratio</strong>: 98.7% at September 30, 2025, compared to 106.0% at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company aims to manage interest rate risk by limiting reliance on non-core funding sources, growing transaction deposit accounts, diversifying the loan portfolio, and pricing residential real estate loan products to encourage balloon loans over longer-term fixed-rate loans.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li><li><strong>Non-Core Business</strong>: The company does not engage in hedging activities such as futures, options, or swap transactions.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li></ul><h3>Priority</h3><ul><li><strong>Interest Rate Sensitivity</strong>: The company estimates a 2.34% decrease in net interest income with a 200 basis point increase in interest rates, and a 2.55% decrease with a 200 basis point decrease.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1823406/000119312525274377/afbi-20250930.htm"></span></li></ul>

Affinity Bancshares | 10-Q: FY2025 Q3 Revenue: USD 13.51 M