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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and Xos, Inc. (XOS). 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× Xos, Inc.). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs -186.8%, a 211.7% gap on every dollar of revenue. On growth, Affinity Bancshares, Inc. posted the faster year-over-year revenue change (12.8% vs -54.5%). Over the past eight quarters, Affinity Bancshares, Inc.'s revenue compounded faster (8.1% CAGR vs -35.7%).
Xos, Inc. is an American manufacturer of commercial electric vehicles (EVs) and mobile EV chargers.
AFBI vs XOS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $8.6M | $5.2M |
| Net Profit | $2.1M | $-9.8M |
| Gross Margin | — | -50.5% |
| Operating Margin | 35.9% | -186.6% |
| Net Margin | 24.9% | -186.8% |
| Revenue YoY | 12.8% | -54.5% |
| Net Profit YoY | 58.5% | 48.6% |
| EPS (diluted) | $0.34 | $-0.76 |
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 | $5.2M | ||
| Q3 25 | $8.4M | $16.5M | ||
| Q2 25 | $8.3M | $18.4M | ||
| Q1 25 | $7.8M | $5.9M | ||
| Q4 24 | $7.6M | $11.5M | ||
| Q3 24 | $8.0M | $15.8M | ||
| Q2 24 | $8.3M | $15.5M | ||
| Q1 24 | $7.3M | $12.6M |
| Q4 25 | $2.1M | $-9.8M | ||
| Q3 25 | $2.2M | $2.1M | ||
| Q2 25 | $2.2M | $-7.5M | ||
| Q1 25 | $1.8M | $-10.2M | ||
| Q4 24 | $1.3M | $-19.0M | ||
| Q3 24 | $1.7M | $-10.5M | ||
| Q2 24 | $1.0M | $-9.7M | ||
| Q1 24 | $1.3M | $-11.0M |
| Q4 25 | — | -50.5% | ||
| Q3 25 | — | 15.3% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | -32.4% | ||
| Q3 24 | — | 18.1% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | 22.1% |
| Q4 25 | 35.9% | -186.6% | ||
| Q3 25 | 34.9% | -42.4% | ||
| Q2 25 | 34.1% | -38.5% | ||
| Q1 25 | 30.8% | -157.7% | ||
| Q4 24 | 21.1% | -127.0% | ||
| Q3 24 | 28.5% | -61.4% | ||
| Q2 24 | 16.2% | -73.2% | ||
| Q1 24 | 24.0% | -81.1% |
| Q4 25 | 24.9% | -186.8% | ||
| Q3 25 | 26.5% | 12.9% | ||
| Q2 25 | 25.9% | -40.8% | ||
| Q1 25 | 23.4% | -173.3% | ||
| Q4 24 | 17.7% | -165.4% | ||
| Q3 24 | 21.7% | -66.6% | ||
| Q2 24 | 12.5% | -62.2% | ||
| Q1 24 | 18.2% | -87.1% |
| Q4 25 | $0.34 | $-0.76 | ||
| Q3 25 | $0.34 | $0.22 | ||
| Q2 25 | $0.33 | $-0.91 | ||
| Q1 25 | $0.28 | $-1.26 | ||
| Q4 24 | $0.21 | $-2.34 | ||
| Q3 24 | $0.26 | $-1.32 | ||
| Q2 24 | $0.16 | $-1.23 | ||
| Q1 24 | $0.20 | $-1.80 |
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 | $14.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $127.0M | $23.3M |
| Total Assets | $881.7M | $60.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | $14.0M | ||
| Q3 25 | $84.8M | $14.1M | ||
| Q2 25 | $89.7M | $8.8M | ||
| Q1 25 | $74.7M | $4.8M | ||
| Q4 24 | $41.4M | $11.0M | ||
| Q3 24 | $52.3M | $8.4M | ||
| Q2 24 | $50.4M | $19.7M | ||
| Q1 24 | $61.4M | $46.2M |
| Q4 25 | $127.0M | $23.3M | ||
| Q3 25 | $125.4M | $31.1M | ||
| Q2 25 | $124.1M | $18.3M | ||
| Q1 25 | $122.3M | $24.8M | ||
| Q4 24 | $129.1M | $33.6M | ||
| Q3 24 | $128.4M | $50.8M | ||
| Q2 24 | $125.1M | $59.2M | ||
| Q1 24 | $123.3M | $67.8M |
| Q4 25 | $881.7M | $60.4M | ||
| Q3 25 | $925.2M | $73.8M | ||
| Q2 25 | $933.8M | $80.3M | ||
| Q1 25 | $912.5M | $87.7M | ||
| Q4 24 | $866.8M | $98.3M | ||
| Q3 24 | $878.6M | $120.5M | ||
| Q2 24 | $873.6M | $123.4M | ||
| Q1 24 | $869.5M | $135.0M |
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 | $2.4M |
| Free Cash FlowOCF − Capex | $11.2M | — |
| FCF MarginFCF / Revenue | 130.9% | — |
| Capex IntensityCapex / Revenue | 4.9% | 0.0% |
| 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 | $2.4M | ||
| Q3 25 | $3.7M | $3.1M | ||
| Q2 25 | $3.8M | $4.6M | ||
| Q1 25 | $1.9M | $-4.8M | ||
| Q4 24 | $6.8M | $3.3M | ||
| Q3 24 | $4.1M | $-11.5M | ||
| Q2 24 | $619.0K | $-26.0M | ||
| Q1 24 | $1.2M | $-14.6M |
| Q4 25 | $11.2M | — | ||
| Q3 25 | $3.6M | — | ||
| Q2 25 | $3.7M | — | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $6.4M | — | ||
| Q3 24 | $4.0M | $-11.7M | ||
| Q2 24 | $489.0K | $-26.1M | ||
| Q1 24 | $1.1M | $-14.6M |
| Q4 25 | 130.9% | — | ||
| Q3 25 | 43.3% | — | ||
| Q2 25 | 44.0% | — | ||
| Q1 25 | 22.7% | — | ||
| Q4 24 | 83.9% | — | ||
| Q3 24 | 49.5% | -73.9% | ||
| Q2 24 | 5.9% | -168.1% | ||
| Q1 24 | 14.8% | -115.7% |
| Q4 25 | 4.9% | 0.0% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 1.4% | 0.0% | ||
| Q1 25 | 1.9% | 0.0% | ||
| Q4 24 | 5.6% | 0.0% | ||
| Q3 24 | 1.7% | 0.9% | ||
| Q2 24 | 1.6% | 0.8% | ||
| Q1 24 | 1.8% | 0.2% |
| Q4 25 | 5.46× | — | ||
| Q3 25 | 1.66× | 1.45× | ||
| 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.
