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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and Valaris Ltd (VAL). Click either name above to swap in a different company.

Affinity Bancshares, Inc. is the larger business by last-quarter revenue ($8.6M vs $5.2M, roughly 1.6× Valaris Ltd). Valaris Ltd runs the higher net margin — 13798.1% vs 24.9%, a 13773.2% gap on every dollar of revenue. On growth, Valaris Ltd posted the faster year-over-year revenue change (405.9% vs 12.8%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $-34.1M). Over the past eight quarters, Valaris Ltd's revenue compounded faster (29.5% CAGR vs 8.1%).

Valaris Limited is an offshore drilling contractor headquartered in Houston, Texas, and incorporated in Bermuda. It is the largest offshore drilling and well drilling company in the world. As of February 2025, it owned 52 rigs, including 36 offshore jackup rigs, 11 drillships, and 5 semi-submersible platform drilling rigs.

AFBI vs VAL — Head-to-Head

Bigger by revenue
AFBI
AFBI
1.6× larger
AFBI
$8.6M
$5.2M
VAL
Growing faster (revenue YoY)
VAL
VAL
+393.1% gap
VAL
405.9%
12.8%
AFBI
Higher net margin
VAL
VAL
13773.2% more per $
VAL
13798.1%
24.9%
AFBI
More free cash flow
AFBI
AFBI
$45.3M more FCF
AFBI
$11.2M
$-34.1M
VAL
Faster 2-yr revenue CAGR
VAL
VAL
Annualised
VAL
29.5%
8.1%
AFBI

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
AFBI
AFBI
VAL
VAL
Revenue
$8.6M
$5.2M
Net Profit
$2.1M
$717.5M
Gross Margin
-7850.0%
Operating Margin
35.9%
Net Margin
24.9%
13798.1%
Revenue YoY
12.8%
405.9%
Net Profit YoY
58.5%
436.6%
EPS (diluted)
$0.34
$10.13

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
VAL
VAL
Q4 25
$8.6M
$5.2M
Q3 25
$8.4M
$5.6M
Q2 25
$8.3M
$700.0K
Q1 25
$7.8M
Q4 24
$7.6M
$-1.7M
Q3 24
$8.0M
$3.9M
Q2 24
$8.3M
$4.8M
Q1 24
$7.3M
$2.6M
Net Profit
AFBI
AFBI
VAL
VAL
Q4 25
$2.1M
$717.5M
Q3 25
$2.2M
$188.1M
Q2 25
$2.2M
$115.1M
Q1 25
$1.8M
Q4 24
$1.3M
$133.7M
Q3 24
$1.7M
$64.6M
Q2 24
$1.0M
$149.6M
Q1 24
$1.3M
$25.5M
Gross Margin
AFBI
AFBI
VAL
VAL
Q4 25
-7850.0%
Q3 25
-7142.9%
Q2 25
-56428.6%
Q1 25
Q4 24
24529.4%
Q3 24
-11748.7%
Q2 24
-9039.6%
Q1 24
-17007.7%
Operating Margin
AFBI
AFBI
VAL
VAL
Q4 25
35.9%
Q3 25
34.9%
Q2 25
34.1%
Q1 25
30.8%
Q4 24
21.1%
Q3 24
28.5%
Q2 24
16.2%
Q1 24
24.0%
Net Margin
AFBI
AFBI
VAL
VAL
Q4 25
24.9%
13798.1%
Q3 25
26.5%
3358.9%
Q2 25
25.9%
16442.9%
Q1 25
23.4%
Q4 24
17.7%
-7864.7%
Q3 24
21.7%
1656.4%
Q2 24
12.5%
3116.7%
Q1 24
18.2%
980.8%
EPS (diluted)
AFBI
AFBI
VAL
VAL
Q4 25
$0.34
$10.13
Q3 25
$0.34
$2.65
Q2 25
$0.33
$1.61
Q1 25
$0.28
Q4 24
$0.21
$1.86
Q3 24
$0.26
$0.88
Q2 24
$0.16
$2.03
Q1 24
$0.20
$0.35

Balance Sheet & Financial Strength

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

Metric
AFBI
AFBI
VAL
VAL
Cash + ST InvestmentsLiquidity on hand
$53.9M
$599.4M
Total DebtLower is stronger
Stockholders' EquityBook value
$127.0M
$3.2B
Total Assets
$881.7M
$5.3B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
AFBI
AFBI
VAL
VAL
Q4 25
$53.9M
$599.4M
Q3 25
$84.8M
$662.7M
Q2 25
$89.7M
$503.4M
Q1 25
$74.7M
Q4 24
$41.4M
$368.2M
Q3 24
$52.3M
$379.3M
Q2 24
$50.4M
$398.3M
Q1 24
$61.4M
$494.1M
Stockholders' Equity
AFBI
AFBI
VAL
VAL
Q4 25
$127.0M
$3.2B
Q3 25
$125.4M
$2.4B
Q2 25
$124.1M
$2.3B
Q1 25
$122.3M
Q4 24
$129.1M
$2.2B
Q3 24
$128.4M
$2.1B
Q2 24
$125.1M
$2.2B
Q1 24
$123.3M
$2.0B
Total Assets
AFBI
AFBI
VAL
VAL
Q4 25
$881.7M
$5.3B
Q3 25
$925.2M
$4.6B
Q2 25
$933.8M
$4.5B
Q1 25
$912.5M
Q4 24
$866.8M
$4.4B
Q3 24
$878.6M
$4.3B
Q2 24
$873.6M
$4.4B
Q1 24
$869.5M
$4.4B

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
VAL
VAL
Operating Cash FlowLast quarter
$11.6M
$72.2M
Free Cash FlowOCF − Capex
$11.2M
$-34.1M
FCF MarginFCF / Revenue
130.9%
-655.8%
Capex IntensityCapex / Revenue
4.9%
2044.2%
Cash ConversionOCF / Net Profit
5.46×
0.10×
TTM Free Cash FlowTrailing 4 quarters
$20.3M
$159.9M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
AFBI
AFBI
VAL
VAL
Q4 25
$11.6M
$72.2M
Q3 25
$3.7M
$198.1M
Q2 25
$3.8M
$120.0M
Q1 25
$1.9M
Q4 24
$6.8M
$124.6M
Q3 24
$4.1M
$193.0M
Q2 24
$619.0K
$11.5M
Q1 24
$1.2M
$26.3M
Free Cash Flow
AFBI
AFBI
VAL
VAL
Q4 25
$11.2M
$-34.1M
Q3 25
$3.6M
$128.3M
Q2 25
$3.7M
$52.8M
Q1 25
$1.8M
Q4 24
$6.4M
$12.9M
Q3 24
$4.0M
$111.1M
Q2 24
$489.0K
$-98.7M
Q1 24
$1.1M
$-125.0M
FCF Margin
AFBI
AFBI
VAL
VAL
Q4 25
130.9%
-655.8%
Q3 25
43.3%
2291.1%
Q2 25
44.0%
7542.9%
Q1 25
22.7%
Q4 24
83.9%
-758.8%
Q3 24
49.5%
2848.7%
Q2 24
5.9%
-2056.3%
Q1 24
14.8%
-4807.7%
Capex Intensity
AFBI
AFBI
VAL
VAL
Q4 25
4.9%
2044.2%
Q3 25
0.8%
1246.4%
Q2 25
1.4%
9600.0%
Q1 25
1.9%
Q4 24
5.6%
-6570.6%
Q3 24
1.7%
2100.0%
Q2 24
1.6%
2295.8%
Q1 24
1.8%
5819.2%
Cash Conversion
AFBI
AFBI
VAL
VAL
Q4 25
5.46×
0.10×
Q3 25
1.66×
1.05×
Q2 25
1.75×
1.04×
Q1 25
1.05×
Q4 24
5.05×
0.93×
Q3 24
2.36×
2.99×
Q2 24
0.60×
0.08×
Q1 24
0.91×
1.03×

Financial Flow Comparison

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

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