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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and CSP INC (CSPI). Click either name above to swap in a different company.
CSP INC is the larger business by last-quarter revenue ($12.0M vs $8.6M, roughly 1.4× Affinity Bancshares, Inc.). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs 0.8%, a 24.1% gap on every dollar of revenue. On growth, Affinity Bancshares, Inc. posted the faster year-over-year revenue change (12.8% vs -23.2%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $-3.0M). Over the past eight quarters, Affinity Bancshares, Inc.'s revenue compounded faster (8.1% CAGR vs -6.3%).
CSP Inc. is a U.S.-based technology firm offering cybersecurity solutions, managed IT services, high-performance computing systems, and IT consulting support. It serves enterprises across healthcare, finance, manufacturing, and public sectors in North America and select global markets.
AFBI vs CSPI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $8.6M | $12.0M |
| Net Profit | $2.1M | $91.0K |
| Gross Margin | — | 39.3% |
| Operating Margin | 35.9% | -0.9% |
| Net Margin | 24.9% | 0.8% |
| Revenue YoY | 12.8% | -23.2% |
| Net Profit YoY | 58.5% | -80.7% |
| EPS (diluted) | $0.34 | $0.01 |
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 | $12.0M | ||
| Q3 25 | $8.4M | $14.5M | ||
| Q2 25 | $8.3M | $15.4M | ||
| Q1 25 | $7.8M | $13.1M | ||
| Q4 24 | $7.6M | $15.7M | ||
| Q3 24 | $8.0M | $13.0M | ||
| Q2 24 | $8.3M | $13.1M | ||
| Q1 24 | $7.3M | $13.7M |
| Q4 25 | $2.1M | $91.0K | ||
| Q3 25 | $2.2M | $-191.0K | ||
| Q2 25 | $2.2M | $-264.0K | ||
| Q1 25 | $1.8M | $-108.0K | ||
| Q4 24 | $1.3M | $472.0K | ||
| Q3 24 | $1.7M | $-1.7M | ||
| Q2 24 | $1.0M | $-185.0K | ||
| Q1 24 | $1.3M | $1.6M |
| Q4 25 | — | 39.3% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 28.8% | ||
| Q1 25 | — | 32.0% | ||
| Q4 24 | — | 29.1% | ||
| Q3 24 | — | 28.4% | ||
| Q2 24 | — | 35.0% | ||
| Q1 24 | — | 47.3% |
| Q4 25 | 35.9% | -0.9% | ||
| Q3 25 | 34.9% | -3.7% | ||
| Q2 25 | 34.1% | -7.9% | ||
| Q1 25 | 30.8% | -7.6% | ||
| Q4 24 | 21.1% | -2.3% | ||
| Q3 24 | 28.5% | -15.7% | ||
| Q2 24 | 16.2% | -5.5% | ||
| Q1 24 | 24.0% | 9.0% |
| Q4 25 | 24.9% | 0.8% | ||
| Q3 25 | 26.5% | -1.3% | ||
| Q2 25 | 25.9% | -1.7% | ||
| Q1 25 | 23.4% | -0.8% | ||
| Q4 24 | 17.7% | 3.0% | ||
| Q3 24 | 21.7% | -12.7% | ||
| Q2 24 | 12.5% | -1.4% | ||
| Q1 24 | 18.2% | 11.6% |
| Q4 25 | $0.34 | $0.01 | ||
| Q3 25 | $0.34 | $-0.02 | ||
| Q2 25 | $0.33 | $-0.03 | ||
| Q1 25 | $0.28 | $-0.01 | ||
| Q4 24 | $0.21 | $0.05 | ||
| Q3 24 | $0.26 | $-0.17 | ||
| Q2 24 | $0.16 | $-0.02 | ||
| Q1 24 | $0.20 | $0.16 |
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 | $24.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $127.0M | $44.8M |
| Total Assets | $881.7M | $69.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | $24.9M | ||
| Q3 25 | $84.8M | $27.4M | ||
| Q2 25 | $89.7M | $26.3M | ||
| Q1 25 | $74.7M | $29.5M | ||
| Q4 24 | $41.4M | $30.7M | ||
| Q3 24 | $52.3M | $30.6M | ||
| Q2 24 | $50.4M | $28.9M | ||
| Q1 24 | $61.4M | $27.1M |
| Q4 25 | $127.0M | $44.8M | ||
| Q3 25 | $125.4M | $44.6M | ||
| Q2 25 | $124.1M | $47.5M | ||
| Q1 25 | $122.3M | $47.5M | ||
| Q4 24 | $129.1M | $47.5M | ||
| Q3 24 | $128.4M | $47.3M | ||
| Q2 24 | $125.1M | $48.1M | ||
| Q1 24 | $123.3M | $48.2M |
| Q4 25 | $881.7M | $69.2M | ||
| Q3 25 | $925.2M | $71.2M | ||
| Q2 25 | $933.8M | $66.8M | ||
| Q1 25 | $912.5M | $67.1M | ||
| Q4 24 | $866.8M | $67.5M | ||
| Q3 24 | $878.6M | $69.4M | ||
| Q2 24 | $873.6M | $66.8M | ||
| Q1 24 | $869.5M | $64.2M |
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 | $-2.9M |
| Free Cash FlowOCF − Capex | $11.2M | $-3.0M |
| FCF MarginFCF / Revenue | 130.9% | -25.1% |
| Capex IntensityCapex / Revenue | 4.9% | 0.9% |
| Cash ConversionOCF / Net Profit | 5.46× | -32.04× |
| TTM Free Cash FlowTrailing 4 quarters | $20.3M | $-2.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.6M | $-2.9M | ||
| Q3 25 | $3.7M | $1.9M | ||
| Q2 25 | $3.8M | $-3.3M | ||
| Q1 25 | $1.9M | $1.9M | ||
| Q4 24 | $6.8M | $1.7M | ||
| Q3 24 | $4.1M | $-1.5M | ||
| Q2 24 | $619.0K | $2.4M | ||
| Q1 24 | $1.2M | $1.7M |
| Q4 25 | $11.2M | $-3.0M | ||
| Q3 25 | $3.6M | $1.7M | ||
| Q2 25 | $3.7M | $-3.3M | ||
| Q1 25 | $1.8M | $1.9M | ||
| Q4 24 | $6.4M | $1.7M | ||
| Q3 24 | $4.0M | $-1.5M | ||
| Q2 24 | $489.0K | $2.4M | ||
| Q1 24 | $1.1M | $1.6M |
| Q4 25 | 130.9% | -25.1% | ||
| Q3 25 | 43.3% | 11.5% | ||
| Q2 25 | 44.0% | -21.7% | ||
| Q1 25 | 22.7% | 14.5% | ||
| Q4 24 | 83.9% | 10.8% | ||
| Q3 24 | 49.5% | -11.7% | ||
| Q2 24 | 5.9% | 17.9% | ||
| Q1 24 | 14.8% | 11.9% |
| Q4 25 | 4.9% | 0.9% | ||
| Q3 25 | 0.8% | 1.6% | ||
| Q2 25 | 1.4% | 0.4% | ||
| Q1 25 | 1.9% | 0.1% | ||
| Q4 24 | 5.6% | 0.3% | ||
| Q3 24 | 1.7% | 0.1% | ||
| Q2 24 | 1.6% | 0.3% | ||
| Q1 24 | 1.8% | 0.1% |
| Q4 25 | 5.46× | -32.04× | ||
| Q3 25 | 1.66× | — | ||
| Q2 25 | 1.75× | — | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | 5.05× | 3.69× | ||
| Q3 24 | 2.36× | — | ||
| Q2 24 | 0.60× | — | ||
| Q1 24 | 0.91× | 1.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AFBI
Segment breakdown not available.
CSPI
| Products | $6.7M | 56% |
| Services | $5.3M | 44% |
