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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and SONO TEK CORP (SOTK). Click either name above to swap in a different company.

Affinity Bancshares, Inc. is the larger business by last-quarter revenue ($8.6M vs $5.0M, roughly 1.7× SONO TEK CORP). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs 6.8%, a 18.1% gap on every dollar of revenue. On growth, Affinity Bancshares, Inc. posted the faster year-over-year revenue change (12.8% vs -3.6%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $1.1M). Over the past eight quarters, Affinity Bancshares, Inc.'s revenue compounded faster (8.1% CAGR vs 2.5%).

Sono Tek Corp is a U.S.-headquartered technology firm that designs, produces and sells precision ultrasonic spray coating systems, nozzles and related accessories. Its solutions serve electronics manufacturing, medical device production, energy storage and industrial processing sectors, catering to global commercial clients and research institutions.

AFBI vs SOTK — Head-to-Head

Bigger by revenue
AFBI
AFBI
1.7× larger
AFBI
$8.6M
$5.0M
SOTK
Growing faster (revenue YoY)
AFBI
AFBI
+16.4% gap
AFBI
12.8%
-3.6%
SOTK
Higher net margin
AFBI
AFBI
18.1% more per $
AFBI
24.9%
6.8%
SOTK
More free cash flow
AFBI
AFBI
$10.1M more FCF
AFBI
$11.2M
$1.1M
SOTK
Faster 2-yr revenue CAGR
AFBI
AFBI
Annualised
AFBI
8.1%
2.5%
SOTK

Income Statement — Q4 FY2025 vs Q3 FY2026

Metric
AFBI
AFBI
SOTK
SOTK
Revenue
$8.6M
$5.0M
Net Profit
$2.1M
$340.0K
Gross Margin
50.2%
Operating Margin
35.9%
6.4%
Net Margin
24.9%
6.8%
Revenue YoY
12.8%
-3.6%
Net Profit YoY
58.5%
24.0%
EPS (diluted)
$0.34
$0.02

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
SOTK
SOTK
Q4 25
$8.6M
$5.0M
Q3 25
$8.4M
$5.2M
Q2 25
$8.3M
$5.1M
Q1 25
$7.8M
$5.1M
Q4 24
$7.6M
$5.2M
Q3 24
$8.0M
$5.2M
Q2 24
$8.3M
$5.0M
Q1 24
$7.3M
$4.8M
Net Profit
AFBI
AFBI
SOTK
SOTK
Q4 25
$2.1M
$340.0K
Q3 25
$2.2M
$423.7K
Q2 25
$2.2M
$485.0K
Q1 25
$1.8M
$327.7K
Q4 24
$1.3M
$274.2K
Q3 24
$1.7M
$340.7K
Q2 24
$1.0M
$330.8K
Q1 24
$1.3M
$156.6K
Gross Margin
AFBI
AFBI
SOTK
SOTK
Q4 25
50.2%
Q3 25
50.2%
Q2 25
51.9%
Q1 25
47.4%
Q4 24
45.1%
Q3 24
48.7%
Q2 24
48.8%
Q1 24
49.1%
Operating Margin
AFBI
AFBI
SOTK
SOTK
Q4 25
35.9%
6.4%
Q3 25
34.9%
8.2%
Q2 25
34.1%
9.4%
Q1 25
30.8%
5.6%
Q4 24
21.1%
3.8%
Q3 24
28.5%
5.5%
Q2 24
16.2%
4.7%
Q1 24
24.0%
-0.3%
Net Margin
AFBI
AFBI
SOTK
SOTK
Q4 25
24.9%
6.8%
Q3 25
26.5%
8.2%
Q2 25
25.9%
9.4%
Q1 25
23.4%
6.4%
Q4 24
17.7%
5.3%
Q3 24
21.7%
6.6%
Q2 24
12.5%
6.6%
Q1 24
18.2%
3.3%
EPS (diluted)
AFBI
AFBI
SOTK
SOTK
Q4 25
$0.34
$0.02
Q3 25
$0.34
$0.03
Q2 25
$0.33
$0.03
Q1 25
$0.28
$0.02
Q4 24
$0.21
$0.02
Q3 24
$0.26
$0.02
Q2 24
$0.16
$0.02
Q1 24
$0.20
$0.02

Balance Sheet & Financial Strength

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

Metric
AFBI
AFBI
SOTK
SOTK
Cash + ST InvestmentsLiquidity on hand
$53.9M
$11.7M
Total DebtLower is stronger
Stockholders' EquityBook value
$127.0M
$19.1M
Total Assets
$881.7M
$23.9M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
AFBI
AFBI
SOTK
SOTK
Q4 25
$53.9M
$11.7M
Q3 25
$84.8M
$10.6M
Q2 25
$89.7M
$10.9M
Q1 25
$74.7M
$11.9M
Q4 24
$41.4M
$12.7M
Q3 24
$52.3M
$11.6M
Q2 24
$50.4M
$12.2M
Q1 24
$61.4M
$11.8M
Stockholders' Equity
AFBI
AFBI
SOTK
SOTK
Q4 25
$127.0M
$19.1M
Q3 25
$125.4M
$18.7M
Q2 25
$124.1M
$18.3M
Q1 25
$122.3M
$17.8M
Q4 24
$129.1M
$17.4M
Q3 24
$128.4M
$17.0M
Q2 24
$125.1M
$16.7M
Q1 24
$123.3M
$16.3M
Total Assets
AFBI
AFBI
SOTK
SOTK
Q4 25
$881.7M
$23.9M
Q3 25
$925.2M
$23.2M
Q2 25
$933.8M
$23.4M
Q1 25
$912.5M
$23.4M
Q4 24
$866.8M
$24.3M
Q3 24
$878.6M
$22.9M
Q2 24
$873.6M
$23.6M
Q1 24
$869.5M
$23.1M

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
SOTK
SOTK
Operating Cash FlowLast quarter
$11.6M
$1.2M
Free Cash FlowOCF − Capex
$11.2M
$1.1M
FCF MarginFCF / Revenue
130.9%
22.8%
Capex IntensityCapex / Revenue
4.9%
1.4%
Cash ConversionOCF / Net Profit
5.46×
3.56×
TTM Free Cash FlowTrailing 4 quarters
$20.3M
$-811.2K

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
AFBI
AFBI
SOTK
SOTK
Q4 25
$11.6M
$1.2M
Q3 25
$3.7M
$-176.8K
Q2 25
$3.8M
$-922.3K
Q1 25
$1.9M
$-674.3K
Q4 24
$6.8M
$1.3M
Q3 24
$4.1M
$-418.4K
Q2 24
$619.0K
$328.0K
Q1 24
$1.2M
$-278.5K
Free Cash Flow
AFBI
AFBI
SOTK
SOTK
Q4 25
$11.2M
$1.1M
Q3 25
$3.6M
$-237.3K
Q2 25
$3.7M
$-974.5K
Q1 25
$1.8M
$-740.0K
Q4 24
$6.4M
$1.1M
Q3 24
$4.0M
$-576.1K
Q2 24
$489.0K
$295.0K
Q1 24
$1.1M
$-746.6K
FCF Margin
AFBI
AFBI
SOTK
SOTK
Q4 25
130.9%
22.8%
Q3 25
43.3%
-4.6%
Q2 25
44.0%
-19.0%
Q1 25
22.7%
-14.5%
Q4 24
83.9%
20.8%
Q3 24
49.5%
-11.2%
Q2 24
5.9%
5.9%
Q1 24
14.8%
-15.7%
Capex Intensity
AFBI
AFBI
SOTK
SOTK
Q4 25
4.9%
1.4%
Q3 25
0.8%
1.2%
Q2 25
1.4%
1.0%
Q1 25
1.9%
1.3%
Q4 24
5.6%
4.1%
Q3 24
1.7%
3.1%
Q2 24
1.6%
0.7%
Q1 24
1.8%
9.8%
Cash Conversion
AFBI
AFBI
SOTK
SOTK
Q4 25
5.46×
3.56×
Q3 25
1.66×
-0.42×
Q2 25
1.75×
-1.90×
Q1 25
1.05×
-2.06×
Q4 24
5.05×
4.70×
Q3 24
2.36×
-1.23×
Q2 24
0.60×
0.99×
Q1 24
0.91×
-1.78×

Financial Flow Comparison

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

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