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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and NextPlat Corp (NXPL). Click either name above to swap in a different company.
NextPlat Corp is the larger business by last-quarter revenue ($12.8M vs $8.6M, roughly 1.5× Affinity Bancshares, Inc.). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs -40.2%, a 65.1% gap on every dollar of revenue. On growth, Affinity Bancshares, Inc. posted the faster year-over-year revenue change (12.8% vs -21.1%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $-339.0K). Over the past eight quarters, Affinity Bancshares, Inc.'s revenue compounded faster (8.1% CAGR vs -14.4%).
AFBI vs NXPL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $8.6M | $12.8M |
| Net Profit | $2.1M | $-5.1M |
| Gross Margin | — | 14.3% |
| Operating Margin | 35.9% | -28.9% |
| Net Margin | 24.9% | -40.2% |
| Revenue YoY | 12.8% | -21.1% |
| Net Profit YoY | 58.5% | -70.6% |
| EPS (diluted) | $0.34 | — |
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 | $12.8M | ||
| Q3 25 | $8.4M | $13.8M | ||
| Q2 25 | $8.3M | $13.2M | ||
| Q1 25 | $7.8M | $14.5M | ||
| Q4 24 | $7.6M | $16.2M | ||
| Q3 24 | $8.0M | $15.4M | ||
| Q2 24 | $8.3M | $17.0M | ||
| Q1 24 | $7.3M | $17.5M |
| Q4 25 | $2.1M | $-5.1M | ||
| Q3 25 | $2.2M | $-2.2M | ||
| Q2 25 | $2.2M | $-1.8M | ||
| Q1 25 | $1.8M | $-1.3M | ||
| Q4 24 | $1.3M | $-3.0M | ||
| Q3 24 | $1.7M | $-4.2M | ||
| Q2 24 | $1.0M | $-5.3M | ||
| Q1 24 | $1.3M | $-1.5M |
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 19.9% | ||
| Q2 25 | — | 21.8% | ||
| Q1 25 | — | 23.8% | ||
| Q4 24 | — | 16.8% | ||
| Q3 24 | — | 23.2% | ||
| Q2 24 | — | 34.5% | ||
| Q1 24 | — | 27.8% |
| Q4 25 | 35.9% | -28.9% | ||
| Q3 25 | 34.9% | -14.5% | ||
| Q2 25 | 34.1% | -13.8% | ||
| Q1 25 | 30.8% | -10.2% | ||
| Q4 24 | 21.1% | -14.1% | ||
| Q3 24 | 28.5% | -52.1% | ||
| Q2 24 | 16.2% | -64.1% | ||
| Q1 24 | 24.0% | -10.5% |
| Q4 25 | 24.9% | -40.2% | ||
| Q3 25 | 26.5% | -15.9% | ||
| Q2 25 | 25.9% | -13.5% | ||
| Q1 25 | 23.4% | -9.2% | ||
| Q4 24 | 17.7% | -18.6% | ||
| Q3 24 | 21.7% | -27.4% | ||
| Q2 24 | 12.5% | -31.3% | ||
| Q1 24 | 18.2% | -8.5% |
| Q4 25 | $0.34 | — | ||
| Q3 25 | $0.34 | — | ||
| Q2 25 | $0.33 | — | ||
| Q1 25 | $0.28 | $-0.05 | ||
| Q4 24 | $0.21 | — | ||
| Q3 24 | $0.26 | $-0.22 | ||
| Q2 24 | $0.16 | — | ||
| Q1 24 | $0.20 | $-0.08 |
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 | $13.7M |
| Total DebtLower is stronger | — | $1.3M |
| Stockholders' EquityBook value | $127.0M | $17.3M |
| Total Assets | $881.7M | $27.5M |
| Debt / EquityLower = less leverage | — | 0.07× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | $13.7M | ||
| Q3 25 | $84.8M | $13.9M | ||
| Q2 25 | $89.7M | $16.6M | ||
| Q1 25 | $74.7M | $17.7M | ||
| Q4 24 | $41.4M | $20.0M | ||
| Q3 24 | $52.3M | $20.4M | ||
| Q2 24 | $50.4M | $24.9M | ||
| Q1 24 | $61.4M | $23.5M |
| Q4 25 | — | $1.3M | ||
| Q3 25 | — | $1.2M | ||
| Q2 25 | — | $1.2M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $1.4M | ||
| Q3 24 | — | $1.5M | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | — | $1.4M |
| Q4 25 | $127.0M | $17.3M | ||
| Q3 25 | $125.4M | $21.4M | ||
| Q2 25 | $124.1M | $23.5M | ||
| Q1 25 | $122.3M | $25.3M | ||
| Q4 24 | $129.1M | $27.3M | ||
| Q3 24 | $128.4M | $22.5M | ||
| Q2 24 | $125.1M | $26.5M | ||
| Q1 24 | $123.3M | $31.2M |
| Q4 25 | $881.7M | $27.5M | ||
| Q3 25 | $925.2M | $30.0M | ||
| Q2 25 | $933.8M | $31.0M | ||
| Q1 25 | $912.5M | $35.2M | ||
| Q4 24 | $866.8M | $37.1M | ||
| Q3 24 | $878.6M | $41.1M | ||
| Q2 24 | $873.6M | $51.5M | ||
| Q1 24 | $869.5M | $65.1M |
| Q4 25 | — | 0.07× | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.05× | ||
| Q1 25 | — | 0.05× | ||
| Q4 24 | — | 0.05× | ||
| Q3 24 | — | 0.07× | ||
| Q2 24 | — | 0.05× | ||
| Q1 24 | — | 0.04× |
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 | $-302.0K |
| Free Cash FlowOCF − Capex | $11.2M | $-339.0K |
| FCF MarginFCF / Revenue | 130.9% | -2.6% |
| Capex IntensityCapex / Revenue | 4.9% | 0.3% |
| Cash ConversionOCF / Net Profit | 5.46× | — |
| TTM Free Cash FlowTrailing 4 quarters | $20.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.6M | $-302.0K | ||
| Q3 25 | $3.7M | $-2.7M | ||
| Q2 25 | $3.8M | $-1.0M | ||
| Q1 25 | $1.9M | $-2.1M | ||
| Q4 24 | $6.8M | $-476.0K | ||
| Q3 24 | $4.1M | $-4.6M | ||
| Q2 24 | $619.0K | $2.3M | ||
| Q1 24 | $1.2M | $-2.7M |
| Q4 25 | $11.2M | $-339.0K | ||
| Q3 25 | $3.6M | — | ||
| Q2 25 | $3.7M | $-1.1M | ||
| Q1 25 | $1.8M | $-2.1M | ||
| Q4 24 | $6.4M | $-508.0K | ||
| Q3 24 | $4.0M | $-4.7M | ||
| Q2 24 | $489.0K | $2.2M | ||
| Q1 24 | $1.1M | $-2.7M |
| Q4 25 | 130.9% | -2.6% | ||
| Q3 25 | 43.3% | — | ||
| Q2 25 | 44.0% | -8.0% | ||
| Q1 25 | 22.7% | -14.3% | ||
| Q4 24 | 83.9% | -3.1% | ||
| Q3 24 | 49.5% | -30.6% | ||
| Q2 24 | 5.9% | 13.2% | ||
| Q1 24 | 14.8% | -15.7% |
| Q4 25 | 4.9% | 0.3% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 1.4% | 0.1% | ||
| Q1 25 | 1.9% | 0.2% | ||
| Q4 24 | 5.6% | 0.2% | ||
| Q3 24 | 1.7% | 0.6% | ||
| Q2 24 | 1.6% | 0.4% | ||
| Q1 24 | 1.8% | 0.4% |
| 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.
Revenue Breakdown by Segment
AFBI
Segment breakdown not available.
NXPL
| Healthcare Operations | $9.0M | 70% |
| Ecommerce Revenue | $3.8M | 30% |
