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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and CRYO CELL INTERNATIONAL INC (CCEL). Click either name above to swap in a different company.
Affinity Bancshares, Inc. is the larger business by last-quarter revenue ($8.6M vs $7.8M, roughly 1.1× CRYO CELL INTERNATIONAL INC). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs -48.7%, a 73.6% gap on every dollar of revenue. On growth, Affinity Bancshares, Inc. posted the faster year-over-year revenue change (12.8% vs -2.3%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $1.2M). Over the past eight quarters, Affinity Bancshares, Inc.'s revenue compounded faster (8.1% CAGR vs -0.1%).
Cryo-Cell International, Inc. is a cord blood bank. It was founded by Dan Richard in 1989. Cryo-Cell International is the first private cord blood bank to separate and store stem cells. Cryo-Cell is headquartered outside of Tampa, in Oldsmar, Florida. In January 1997, the Company's stock began trading on the NASDAQ Small Cap market under symbol CCEL.
AFBI vs CCEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $8.6M | $7.8M |
| Net Profit | $2.1M | $-3.8M |
| Gross Margin | — | 77.9% |
| Operating Margin | 35.9% | -50.6% |
| Net Margin | 24.9% | -48.7% |
| Revenue YoY | 12.8% | -2.3% |
| Net Profit YoY | 58.5% | -105.1% |
| EPS (diluted) | $0.34 | $-0.46 |
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.
| Q4 25 | $8.6M | $7.8M | ||
| Q3 25 | $8.4M | $7.8M | ||
| Q2 25 | $8.3M | $7.9M | ||
| Q1 25 | $7.8M | $8.0M | ||
| Q4 24 | $7.6M | $8.0M | ||
| Q3 24 | $8.0M | $8.1M | ||
| Q2 24 | $8.3M | $8.0M | ||
| Q1 24 | $7.3M | $7.9M |
| Q4 25 | $2.1M | $-3.8M | ||
| Q3 25 | $2.2M | $749.4K | ||
| Q2 25 | $2.2M | $355.8K | ||
| Q1 25 | $1.8M | $282.9K | ||
| Q4 24 | $1.3M | $-1.9M | ||
| Q3 24 | $1.7M | $1.1M | ||
| Q2 24 | $1.0M | $655.8K | ||
| Q1 24 | $1.3M | $556.2K |
| Q4 25 | — | 77.9% | ||
| Q3 25 | — | 77.0% | ||
| Q2 25 | — | 76.6% | ||
| Q1 25 | — | 75.1% | ||
| Q4 24 | — | 78.4% | ||
| Q3 24 | — | 73.6% | ||
| Q2 24 | — | 74.8% | ||
| Q1 24 | — | 73.7% |
| Q4 25 | 35.9% | -50.6% | ||
| Q3 25 | 34.9% | 24.3% | ||
| Q2 25 | 34.1% | 18.8% | ||
| Q1 25 | 30.8% | 13.3% | ||
| Q4 24 | 21.1% | -1.5% | ||
| Q3 24 | 28.5% | 17.2% | ||
| Q2 24 | 16.2% | 17.3% | ||
| Q1 24 | 24.0% | 10.5% |
| Q4 25 | 24.9% | -48.7% | ||
| Q3 25 | 26.5% | 9.6% | ||
| Q2 25 | 25.9% | 4.5% | ||
| Q1 25 | 23.4% | 3.5% | ||
| Q4 24 | 17.7% | -23.2% | ||
| Q3 24 | 21.7% | 13.0% | ||
| Q2 24 | 12.5% | 8.2% | ||
| Q1 24 | 18.2% | 7.1% |
| Q4 25 | $0.34 | $-0.46 | ||
| Q3 25 | $0.34 | $0.09 | ||
| Q2 25 | $0.33 | $0.04 | ||
| Q1 25 | $0.28 | $0.03 | ||
| Q4 24 | $0.21 | $-0.23 | ||
| Q3 24 | $0.26 | $0.13 | ||
| Q2 24 | $0.16 | $0.08 | ||
| Q1 24 | $0.20 | $0.07 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $53.9M | $3.3M |
| Total DebtLower is stronger | — | $8.4M |
| Stockholders' EquityBook value | $127.0M | $-18.6M |
| Total Assets | $881.7M | $61.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | $3.3M | ||
| Q3 25 | $84.8M | $3.2M | ||
| Q2 25 | $89.7M | $4.4M | ||
| Q1 25 | $74.7M | $3.5M | ||
| Q4 24 | $41.4M | $3.5M | ||
| Q3 24 | $52.3M | $2.1M | ||
| Q2 24 | $50.4M | $1.5M | ||
| Q1 24 | $61.4M | $979.6K |
| Q4 25 | — | $8.4M | ||
| Q3 25 | — | $8.4M | ||
| Q2 25 | — | $8.4M | ||
| Q1 25 | — | $8.5M | ||
| Q4 24 | — | $8.5M | ||
| Q3 24 | — | $8.5M | ||
| Q2 24 | — | $8.5M | ||
| Q1 24 | — | $8.6M |
| Q4 25 | $127.0M | $-18.6M | ||
| Q3 25 | $125.4M | $-14.8M | ||
| Q2 25 | $124.1M | $-15.6M | ||
| Q1 25 | $122.3M | $-14.7M | ||
| Q4 24 | $129.1M | $-13.2M | ||
| Q3 24 | $128.4M | $-9.6M | ||
| Q2 24 | $125.1M | $-10.7M | ||
| Q1 24 | $123.3M | $-10.3M |
| Q4 25 | $881.7M | $61.7M | ||
| Q3 25 | $925.2M | $63.2M | ||
| Q2 25 | $933.8M | $64.4M | ||
| Q1 25 | $912.5M | $64.4M | ||
| Q4 24 | $866.8M | $64.7M | ||
| Q3 24 | $878.6M | $62.9M | ||
| Q2 24 | $873.6M | $62.6M | ||
| Q1 24 | $869.5M | $61.7M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $11.6M | $1.3M |
| Free Cash FlowOCF − Capex | $11.2M | $1.2M |
| FCF MarginFCF / Revenue | 130.9% | 15.5% |
| Capex IntensityCapex / Revenue | 4.9% | 0.9% |
| Cash ConversionOCF / Net Profit | 5.46× | — |
| TTM Free Cash FlowTrailing 4 quarters | $20.3M | $5.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.6M | $1.3M | ||
| Q3 25 | $3.7M | $2.5M | ||
| Q2 25 | $3.8M | $707.0K | ||
| Q1 25 | $1.9M | $954.1K | ||
| Q4 24 | $6.8M | $2.2M | ||
| Q3 24 | $4.1M | $2.4M | ||
| Q2 24 | $619.0K | $1.8M | ||
| Q1 24 | $1.2M | $-356.9K |
| Q4 25 | $11.2M | $1.2M | ||
| Q3 25 | $3.6M | $2.5M | ||
| Q2 25 | $3.7M | $644.6K | ||
| Q1 25 | $1.8M | $892.0K | ||
| Q4 24 | $6.4M | $2.1M | ||
| Q3 24 | $4.0M | $2.3M | ||
| Q2 24 | $489.0K | $21.5K | ||
| Q1 24 | $1.1M | $-814.6K |
| Q4 25 | 130.9% | 15.5% | ||
| Q3 25 | 43.3% | 31.9% | ||
| Q2 25 | 44.0% | 8.1% | ||
| Q1 25 | 22.7% | 11.2% | ||
| Q4 24 | 83.9% | 26.8% | ||
| Q3 24 | 49.5% | 27.9% | ||
| Q2 24 | 5.9% | 0.3% | ||
| Q1 24 | 14.8% | -10.4% |
| Q4 25 | 4.9% | 0.9% | ||
| Q3 25 | 0.8% | 0.5% | ||
| Q2 25 | 1.4% | 0.8% | ||
| Q1 25 | 1.9% | 0.8% | ||
| Q4 24 | 5.6% | 0.1% | ||
| Q3 24 | 1.7% | 2.3% | ||
| Q2 24 | 1.6% | 21.8% | ||
| Q1 24 | 1.8% | 5.8% |
| Q4 25 | 5.46× | — | ||
| Q3 25 | 1.66× | 3.38× | ||
| Q2 25 | 1.75× | 1.99× | ||
| Q1 25 | 1.05× | 3.37× | ||
| Q4 24 | 5.05× | — | ||
| Q3 24 | 2.36× | 2.32× | ||
| Q2 24 | 0.60× | 2.70× | ||
| Q1 24 | 0.91× | -0.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
