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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and CAPRICOR THERAPEUTICS, INC. (CAPR). Click either name above to swap in a different company.

CAPRICOR THERAPEUTICS, INC. is the larger business by last-quarter revenue ($11.1M vs $8.6M, roughly 1.3× Affinity Bancshares, Inc.). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs -63.9%, a 88.8% gap on every dollar of revenue. On growth, Affinity Bancshares, Inc. posted the faster year-over-year revenue change (12.8% vs -7.9%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $-15.3M). Over the past eight quarters, CAPRICOR THERAPEUTICS, INC.'s revenue compounded faster (93.0% CAGR vs 8.1%).

Capricor Therapeutics is a clinical-stage biotechnology company focused on discovering, developing and commercializing innovative biological therapies including cell and gene therapies for rare diseases, cardiovascular disorders and muscular conditions. It primarily operates in the U.S. market, addressing unmet medical needs for patient groups with limited treatment options.

AFBI vs CAPR — Head-to-Head

Bigger by revenue
CAPR
CAPR
1.3× larger
CAPR
$11.1M
$8.6M
AFBI
Growing faster (revenue YoY)
AFBI
AFBI
+20.7% gap
AFBI
12.8%
-7.9%
CAPR
Higher net margin
AFBI
AFBI
88.8% more per $
AFBI
24.9%
-63.9%
CAPR
More free cash flow
AFBI
AFBI
$26.5M more FCF
AFBI
$11.2M
$-15.3M
CAPR
Faster 2-yr revenue CAGR
CAPR
CAPR
Annualised
CAPR
93.0%
8.1%
AFBI

Income Statement — Q4 FY2025 vs Q4 FY2024

Metric
AFBI
AFBI
CAPR
CAPR
Revenue
$8.6M
$11.1M
Net Profit
$2.1M
$-7.1M
Gross Margin
Operating Margin
35.9%
-69.1%
Net Margin
24.9%
-63.9%
Revenue YoY
12.8%
-7.9%
Net Profit YoY
58.5%
-833.8%
EPS (diluted)
$0.34
$-0.11

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
AFBI
AFBI
CAPR
CAPR
Q4 25
$8.6M
Q3 25
$8.4M
Q2 25
$8.3M
Q1 25
$7.8M
Q4 24
$7.6M
$11.1M
Q3 24
$8.0M
$2.3M
Q2 24
$8.3M
$4.0M
Q1 24
$7.3M
$4.9M
Net Profit
AFBI
AFBI
CAPR
CAPR
Q4 25
$2.1M
Q3 25
$2.2M
Q2 25
$2.2M
Q1 25
$1.8M
Q4 24
$1.3M
$-7.1M
Q3 24
$1.7M
$-12.6M
Q2 24
$1.0M
$-11.0M
Q1 24
$1.3M
$-9.8M
Operating Margin
AFBI
AFBI
CAPR
CAPR
Q4 25
35.9%
Q3 25
34.9%
Q2 25
34.1%
Q1 25
30.8%
Q4 24
21.1%
-69.1%
Q3 24
28.5%
-575.2%
Q2 24
16.2%
-291.9%
Q1 24
24.0%
-209.2%
Net Margin
AFBI
AFBI
CAPR
CAPR
Q4 25
24.9%
Q3 25
26.5%
Q2 25
25.9%
Q1 25
23.4%
Q4 24
17.7%
-63.9%
Q3 24
21.7%
-555.2%
Q2 24
12.5%
-277.0%
Q1 24
18.2%
-199.6%
EPS (diluted)
AFBI
AFBI
CAPR
CAPR
Q4 25
$0.34
Q3 25
$0.34
Q2 25
$0.33
Q1 25
$0.28
Q4 24
$0.21
$-0.11
Q3 24
$0.26
$-0.38
Q2 24
$0.16
$-0.35
Q1 24
$0.20
$-0.31

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
AFBI
AFBI
CAPR
CAPR
Cash + ST InvestmentsLiquidity on hand
$53.9M
$151.5M
Total DebtLower is stronger
Stockholders' EquityBook value
$127.0M
$145.5M
Total Assets
$881.7M
$170.5M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
AFBI
AFBI
CAPR
CAPR
Q4 25
$53.9M
Q3 25
$84.8M
Q2 25
$89.7M
Q1 25
$74.7M
Q4 24
$41.4M
$151.5M
Q3 24
$52.3M
$85.0M
Q2 24
$50.4M
$29.5M
Q1 24
$61.4M
$39.9M
Stockholders' Equity
AFBI
AFBI
CAPR
CAPR
Q4 25
$127.0M
Q3 25
$125.4M
Q2 25
$124.1M
Q1 25
$122.3M
Q4 24
$129.1M
$145.5M
Q3 24
$128.4M
$68.3M
Q2 24
$125.1M
$11.5M
Q1 24
$123.3M
$18.4M
Total Assets
AFBI
AFBI
CAPR
CAPR
Q4 25
$881.7M
Q3 25
$925.2M
Q2 25
$933.8M
Q1 25
$912.5M
Q4 24
$866.8M
$170.5M
Q3 24
$878.6M
$93.0M
Q2 24
$873.6M
$38.3M
Q1 24
$869.5M
$49.4M

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
AFBI
AFBI
CAPR
CAPR
Operating Cash FlowLast quarter
$11.6M
$-14.8M
Free Cash FlowOCF − Capex
$11.2M
$-15.3M
FCF MarginFCF / Revenue
130.9%
-137.3%
Capex IntensityCapex / Revenue
4.9%
4.4%
Cash ConversionOCF / Net Profit
5.46×
TTM Free Cash FlowTrailing 4 quarters
$20.3M
$-41.2M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
AFBI
AFBI
CAPR
CAPR
Q4 25
$11.6M
Q3 25
$3.7M
Q2 25
$3.8M
Q1 25
$1.9M
Q4 24
$6.8M
$-14.8M
Q3 24
$4.1M
$-11.6M
Q2 24
$619.0K
$-12.3M
Q1 24
$1.2M
$-1.3M
Free Cash Flow
AFBI
AFBI
CAPR
CAPR
Q4 25
$11.2M
Q3 25
$3.6M
Q2 25
$3.7M
Q1 25
$1.8M
Q4 24
$6.4M
$-15.3M
Q3 24
$4.0M
$-11.7M
Q2 24
$489.0K
$-12.3M
Q1 24
$1.1M
$-1.9M
FCF Margin
AFBI
AFBI
CAPR
CAPR
Q4 25
130.9%
Q3 25
43.3%
Q2 25
44.0%
Q1 25
22.7%
Q4 24
83.9%
-137.3%
Q3 24
49.5%
-515.2%
Q2 24
5.9%
-310.9%
Q1 24
14.8%
-38.3%
Capex Intensity
AFBI
AFBI
CAPR
CAPR
Q4 25
4.9%
Q3 25
0.8%
Q2 25
1.4%
Q1 25
1.9%
Q4 24
5.6%
4.4%
Q3 24
1.7%
0.4%
Q2 24
1.6%
1.5%
Q1 24
1.8%
12.4%
Cash Conversion
AFBI
AFBI
CAPR
CAPR
Q4 25
5.46×
Q3 25
1.66×
Q2 25
1.75×
Q1 25
1.05×
Q4 24
5.05×
Q3 24
2.36×
Q2 24
0.60×
Q1 24
0.91×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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