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

Xilio Therapeutics, Inc. is the larger business by last-quarter revenue ($13.7M vs $8.6M, roughly 1.6× Affinity Bancshares, Inc.). Xilio Therapeutics, Inc. runs the higher net margin — 75.7% vs 24.9%, a 50.8% gap on every dollar of revenue. Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $-2.1M).

Xilio Therapeutics is a clinical-stage biotechnology company dedicated to developing novel tumor-selective immunotherapies for cancer treatment. Its product pipeline features candidates engineered to trigger anti-tumor immune responses specifically inside tumor microenvironments, reducing systemic toxicities, and it primarily targets oncology patient populations in North America and other global markets.

AFBI vs XLO — Head-to-Head

Bigger by revenue
XLO
XLO
1.6× larger
XLO
$13.7M
$8.6M
AFBI
Higher net margin
XLO
XLO
50.8% more per $
XLO
75.7%
24.9%
AFBI
More free cash flow
AFBI
AFBI
$13.3M more FCF
AFBI
$11.2M
$-2.1M
XLO

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
AFBI
AFBI
XLO
XLO
Revenue
$8.6M
$13.7M
Net Profit
$2.1M
$10.4M
Gross Margin
Operating Margin
35.9%
-86.5%
Net Margin
24.9%
75.7%
Revenue YoY
12.8%
Net Profit YoY
58.5%
179.1%
EPS (diluted)
$0.34
$-3.74

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
XLO
XLO
Q4 25
$8.6M
$13.7M
Q3 25
$8.4M
$19.1M
Q2 25
$8.3M
$8.1M
Q1 25
$7.8M
$2.9M
Q4 24
$7.6M
Q3 24
$8.0M
Q2 24
$8.3M
Q1 24
$7.3M
Net Profit
AFBI
AFBI
XLO
XLO
Q4 25
$2.1M
$10.4M
Q3 25
$2.2M
$-16.3M
Q2 25
$2.2M
$-15.8M
Q1 25
$1.8M
$-13.3M
Q4 24
$1.3M
Q3 24
$1.7M
Q2 24
$1.0M
Q1 24
$1.3M
Operating Margin
AFBI
AFBI
XLO
XLO
Q4 25
35.9%
-86.5%
Q3 25
34.9%
-10.1%
Q2 25
34.1%
-177.7%
Q1 25
30.8%
-472.7%
Q4 24
21.1%
Q3 24
28.5%
Q2 24
16.2%
Q1 24
24.0%
Net Margin
AFBI
AFBI
XLO
XLO
Q4 25
24.9%
75.7%
Q3 25
26.5%
-85.4%
Q2 25
25.9%
-196.0%
Q1 25
23.4%
-452.7%
Q4 24
17.7%
Q3 24
21.7%
Q2 24
12.5%
Q1 24
18.2%
EPS (diluted)
AFBI
AFBI
XLO
XLO
Q4 25
$0.34
$-3.74
Q3 25
$0.34
$-0.11
Q2 25
$0.33
$-0.16
Q1 25
$0.28
$-0.18
Q4 24
$0.21
Q3 24
$0.26
Q2 24
$0.16
Q1 24
$0.20

Balance Sheet & Financial Strength

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

Metric
AFBI
AFBI
XLO
XLO
Cash + ST InvestmentsLiquidity on hand
$53.9M
$137.5M
Total DebtLower is stronger
Stockholders' EquityBook value
$127.0M
$35.3M
Total Assets
$881.7M
$154.7M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
AFBI
AFBI
XLO
XLO
Q4 25
$53.9M
$137.5M
Q3 25
$84.8M
$103.8M
Q2 25
$89.7M
$121.6M
Q1 25
$74.7M
$89.1M
Q4 24
$41.4M
Q3 24
$52.3M
Q2 24
$50.4M
Q1 24
$61.4M
Stockholders' Equity
AFBI
AFBI
XLO
XLO
Q4 25
$127.0M
$35.3M
Q3 25
$125.4M
$-8.1M
Q2 25
$124.1M
$7.1M
Q1 25
$122.3M
$10.7M
Q4 24
$129.1M
Q3 24
$128.4M
Q2 24
$125.1M
Q1 24
$123.3M
Total Assets
AFBI
AFBI
XLO
XLO
Q4 25
$881.7M
$154.7M
Q3 25
$925.2M
$133.7M
Q2 25
$933.8M
$133.8M
Q1 25
$912.5M
$103.7M
Q4 24
$866.8M
Q3 24
$878.6M
Q2 24
$873.6M
Q1 24
$869.5M

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
XLO
XLO
Operating Cash FlowLast quarter
$11.6M
$-2.0M
Free Cash FlowOCF − Capex
$11.2M
$-2.1M
FCF MarginFCF / Revenue
130.9%
-15.3%
Capex IntensityCapex / Revenue
4.9%
0.7%
Cash ConversionOCF / Net Profit
5.46×
-0.19×
TTM Free Cash FlowTrailing 4 quarters
$20.3M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
AFBI
AFBI
XLO
XLO
Q4 25
$11.6M
$-2.0M
Q3 25
$3.7M
$-17.5M
Q2 25
$3.8M
$-14.5M
Q1 25
$1.9M
$29.0M
Q4 24
$6.8M
Q3 24
$4.1M
Q2 24
$619.0K
Q1 24
$1.2M
Free Cash Flow
AFBI
AFBI
XLO
XLO
Q4 25
$11.2M
$-2.1M
Q3 25
$3.6M
Q2 25
$3.7M
$-14.9M
Q1 25
$1.8M
$29.0M
Q4 24
$6.4M
Q3 24
$4.0M
Q2 24
$489.0K
Q1 24
$1.1M
FCF Margin
AFBI
AFBI
XLO
XLO
Q4 25
130.9%
-15.3%
Q3 25
43.3%
Q2 25
44.0%
-184.0%
Q1 25
22.7%
988.3%
Q4 24
83.9%
Q3 24
49.5%
Q2 24
5.9%
Q1 24
14.8%
Capex Intensity
AFBI
AFBI
XLO
XLO
Q4 25
4.9%
0.7%
Q3 25
0.8%
0.0%
Q2 25
1.4%
5.0%
Q1 25
1.9%
0.8%
Q4 24
5.6%
Q3 24
1.7%
Q2 24
1.6%
Q1 24
1.8%
Cash Conversion
AFBI
AFBI
XLO
XLO
Q4 25
5.46×
-0.19×
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.

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