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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and Velo3D, Inc. (VELO). Click either name above to swap in a different company.
Velo3D, Inc. is the larger business by last-quarter revenue ($9.4M vs $8.6M, roughly 1.1× Affinity Bancshares, Inc.). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs -231.9%, a 256.8% gap on every dollar of revenue. On growth, Affinity Bancshares, Inc. posted the faster year-over-year revenue change (12.8% vs -25.2%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $-8.3M). Over the past eight quarters, Affinity Bancshares, Inc.'s revenue compounded faster (8.1% CAGR vs -1.8%).
Velo3D, Inc. develops and sells advanced end-to-end metal additive manufacturing (3D printing) solutions, comprising industrial-grade printers, specialized processing software, and high-performance metal materials. It primarily serves global aerospace, defense, energy, semiconductor and industrial manufacturing markets, enabling customers to produce complex, high-precision metal parts that are difficult to manufacture with traditional methods.
AFBI vs VELO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $8.6M | $9.4M |
| Net Profit | $2.1M | $-21.9M |
| Gross Margin | — | -73.6% |
| Operating Margin | 35.9% | -231.0% |
| Net Margin | 24.9% | -231.9% |
| Revenue YoY | 12.8% | -25.2% |
| Net Profit YoY | 58.5% | -2.9% |
| EPS (diluted) | $0.34 | $-0.87 |
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 | $9.4M | ||
| Q3 25 | $8.4M | $13.6M | ||
| Q2 25 | $8.3M | $13.6M | ||
| Q1 25 | $7.8M | $9.3M | ||
| Q4 24 | $7.6M | $12.6M | ||
| Q3 24 | $8.0M | $8.2M | ||
| Q2 24 | $8.3M | $10.3M | ||
| Q1 24 | $7.3M | $9.8M |
| Q4 25 | $2.1M | $-21.9M | ||
| Q3 25 | $2.2M | $-11.2M | ||
| Q2 25 | $2.2M | $-13.3M | ||
| Q1 25 | $1.8M | $-25.0M | ||
| Q4 24 | $1.3M | $-21.3M | ||
| Q3 24 | $1.7M | $-21.9M | ||
| Q2 24 | $1.0M | $935.0K | ||
| Q1 24 | $1.3M | $-27.5M |
| Q4 25 | — | -73.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -11.7% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | -3.5% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | -28.0% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | 35.9% | -231.0% | ||
| Q3 25 | 34.9% | -73.3% | ||
| Q2 25 | 34.1% | -85.4% | ||
| Q1 25 | 30.8% | -123.6% | ||
| Q4 24 | 21.1% | -167.0% | ||
| Q3 24 | 28.5% | -213.8% | ||
| Q2 24 | 16.2% | -187.7% | ||
| Q1 24 | 24.0% | -211.1% |
| Q4 25 | 24.9% | -231.9% | ||
| Q3 25 | 26.5% | -82.0% | ||
| Q2 25 | 25.9% | -97.7% | ||
| Q1 25 | 23.4% | -268.4% | ||
| Q4 24 | 17.7% | -168.5% | ||
| Q3 24 | 21.7% | -265.3% | ||
| Q2 24 | 12.5% | 9.0% | ||
| Q1 24 | 18.2% | -281.2% |
| Q4 25 | $0.34 | $-0.87 | ||
| Q3 25 | $0.34 | $-0.65 | ||
| Q2 25 | $0.33 | $-0.94 | ||
| Q1 25 | $0.28 | $-1.87 | ||
| Q4 24 | $0.21 | $7.06 | ||
| Q3 24 | $0.26 | $-35.52 | ||
| Q2 24 | $0.16 | $1.65 | ||
| Q1 24 | $0.20 | $-55.51 |
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 | $39.0M |
| Total DebtLower is stronger | — | $31.0M |
| Stockholders' EquityBook value | $127.0M | $38.2M |
| Total Assets | $881.7M | $105.3M |
| Debt / EquityLower = less leverage | — | 0.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | $39.0M | ||
| Q3 25 | $84.8M | $11.8M | ||
| Q2 25 | $89.7M | $854.0K | ||
| Q1 25 | $74.7M | $3.9M | ||
| Q4 24 | $41.4M | $1.2M | ||
| Q3 24 | $52.3M | $1.6M | ||
| Q2 24 | $50.4M | $3.2M | ||
| Q1 24 | $61.4M | $10.9M |
| Q4 25 | — | $31.0M | ||
| Q3 25 | — | $23.0M | ||
| Q2 25 | — | $22.5M | ||
| Q1 25 | — | $21.7M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $32.3M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $44.0M |
| Q4 25 | $127.0M | $38.2M | ||
| Q3 25 | $125.4M | $29.9M | ||
| Q2 25 | $124.1M | $21.4M | ||
| Q1 25 | $122.3M | $32.8M | ||
| Q4 24 | $129.1M | $39.7M | ||
| Q3 24 | $128.4M | $34.4M | ||
| Q2 24 | $125.1M | $52.1M | ||
| Q1 24 | $123.3M | $45.5M |
| Q4 25 | $881.7M | $105.3M | ||
| Q3 25 | $925.2M | $93.7M | ||
| Q2 25 | $933.8M | $78.4M | ||
| Q1 25 | $912.5M | $91.3M | ||
| Q4 24 | $866.8M | $89.2M | ||
| Q3 24 | $878.6M | $110.8M | ||
| Q2 24 | $873.6M | $116.7M | ||
| Q1 24 | $869.5M | $136.1M |
| Q4 25 | — | 0.81× | ||
| Q3 25 | — | 0.77× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.94× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.97× |
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 | $-7.7M |
| Free Cash FlowOCF − Capex | $11.2M | $-8.3M |
| FCF MarginFCF / Revenue | 130.9% | -88.3% |
| Capex IntensityCapex / Revenue | 4.9% | 6.4% |
| 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 | $-7.7M | ||
| Q3 25 | $3.7M | $-6.0M | ||
| Q2 25 | $3.8M | $-1.2M | ||
| Q1 25 | $1.9M | $-12.3M | ||
| Q4 24 | $6.8M | $-2.2M | ||
| Q3 24 | $4.1M | $-2.0M | ||
| Q2 24 | $619.0K | $-8.0M | ||
| Q1 24 | $1.2M | $-20.5M |
| Q4 25 | $11.2M | $-8.3M | ||
| Q3 25 | $3.6M | $-6.3M | ||
| Q2 25 | $3.7M | $-3.0M | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $6.4M | $-2.2M | ||
| Q3 24 | $4.0M | $-2.0M | ||
| Q2 24 | $489.0K | $-8.0M | ||
| Q1 24 | $1.1M | $-20.5M |
| Q4 25 | 130.9% | -88.3% | ||
| Q3 25 | 43.3% | -46.5% | ||
| Q2 25 | 44.0% | -22.2% | ||
| Q1 25 | 22.7% | — | ||
| Q4 24 | 83.9% | -17.7% | ||
| Q3 24 | 49.5% | -24.2% | ||
| Q2 24 | 5.9% | -77.1% | ||
| Q1 24 | 14.8% | -209.8% |
| Q4 25 | 4.9% | 6.4% | ||
| Q3 25 | 0.8% | 2.3% | ||
| Q2 25 | 1.4% | 13.3% | ||
| Q1 25 | 1.9% | 0.0% | ||
| Q4 24 | 5.6% | 0.2% | ||
| Q3 24 | 1.7% | 0.2% | ||
| Q2 24 | 1.6% | 0.0% | ||
| Q1 24 | 1.8% | 0.1% |
| 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× | -8.52× | ||
| Q1 24 | 0.91× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
