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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and cbdMD, Inc. (YCBD). 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× cbdMD, Inc.). Affinity Bancshares, Inc. runs the higher net margin — 24.9% vs -5.6%, a 30.5% gap on every dollar of revenue. On growth, Affinity Bancshares, Inc. posted the faster year-over-year revenue change (12.8% vs -1.9%). Affinity Bancshares, Inc. produced more free cash flow last quarter ($11.2M vs $-977.3K). Over the past eight quarters, Affinity Bancshares, Inc.'s revenue compounded faster (8.1% CAGR vs 7.1%).
cbdMD, Inc. is a U.S.-based consumer wellness company that manufactures and distributes hemp-derived CBD products, including tinctures, topicals, gummies, pet care items, and bath products. All offerings undergo third-party quality testing, and are sold via e-commerce platforms, brick-and-mortar retail stores, and wellness partner channels primarily across the United States.
AFBI vs YCBD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $8.6M | $5.0M |
| Net Profit | $2.1M | $-283.1K |
| Gross Margin | — | 59.8% |
| Operating Margin | 35.9% | -5.7% |
| Net Margin | 24.9% | -5.6% |
| Revenue YoY | 12.8% | -1.9% |
| Net Profit YoY | 58.5% | -1975.7% |
| EPS (diluted) | $0.34 | — |
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 | $5.0M | ||
| Q3 25 | $8.4M | $4.7M | ||
| Q2 25 | $8.3M | $4.6M | ||
| Q1 25 | $7.8M | $4.7M | ||
| Q4 24 | $7.6M | $5.1M | ||
| Q3 24 | $8.0M | $4.6M | ||
| Q2 24 | $8.3M | $5.2M | ||
| Q1 24 | $7.3M | $4.4M |
| Q4 25 | $2.1M | $-283.1K | ||
| Q3 25 | $2.2M | $-680.0K | ||
| Q2 25 | $2.2M | $-895.3K | ||
| Q1 25 | $1.8M | $-480.8K | ||
| Q4 24 | $1.3M | $15.1K | ||
| Q3 24 | $1.7M | $-152.8K | ||
| Q2 24 | $1.0M | $459.7K | ||
| Q1 24 | $1.3M | $-3.0M |
| Q4 25 | — | 59.8% | ||
| Q3 25 | — | 58.8% | ||
| Q2 25 | — | 61.5% | ||
| Q1 25 | — | 62.3% | ||
| Q4 24 | — | 66.5% | ||
| Q3 24 | — | 53.9% | ||
| Q2 24 | — | 65.8% | ||
| Q1 24 | — | 59.0% |
| Q4 25 | 35.9% | -5.7% | ||
| Q3 25 | 34.9% | -14.5% | ||
| Q2 25 | 34.1% | -19.6% | ||
| Q1 25 | 30.8% | -10.2% | ||
| Q4 24 | 21.1% | -1.7% | ||
| Q3 24 | 28.5% | -6.9% | ||
| Q2 24 | 16.2% | -7.4% | ||
| Q1 24 | 24.0% | -35.4% |
| Q4 25 | 24.9% | -5.6% | ||
| Q3 25 | 26.5% | -14.4% | ||
| Q2 25 | 25.9% | -19.4% | ||
| Q1 25 | 23.4% | -10.1% | ||
| Q4 24 | 17.7% | 0.3% | ||
| Q3 24 | 21.7% | -3.4% | ||
| Q2 24 | 12.5% | 8.9% | ||
| Q1 24 | 18.2% | -68.8% |
| Q4 25 | $0.34 | — | ||
| Q3 25 | $0.34 | — | ||
| Q2 25 | $0.33 | — | ||
| Q1 25 | $0.28 | — | ||
| Q4 24 | $0.21 | — | ||
| Q3 24 | $0.26 | — | ||
| Q2 24 | $0.16 | $-0.15 | ||
| Q1 24 | $0.20 | $-1.35 |
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 | $3.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $127.0M | $9.0M |
| Total Assets | $881.7M | $11.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | $3.4M | ||
| Q3 25 | $84.8M | $2.3M | ||
| Q2 25 | $89.7M | $1.1M | ||
| Q1 25 | $74.7M | $1.8M | ||
| Q4 24 | $41.4M | $2.0M | ||
| Q3 24 | $52.3M | $2.5M | ||
| Q2 24 | $50.4M | $2.4M | ||
| Q1 24 | $61.4M | $2.1M |
| Q4 25 | $127.0M | $9.0M | ||
| Q3 25 | $125.4M | $7.2M | ||
| Q2 25 | $124.1M | $6.1M | ||
| Q1 25 | $122.3M | $665.8K | ||
| Q4 24 | $129.1M | $1.8M | ||
| Q3 24 | $128.4M | $2.0M | ||
| Q2 24 | $125.1M | $3.0M | ||
| Q1 24 | $123.3M | $3.1M |
| Q4 25 | $881.7M | $11.8M | ||
| Q3 25 | $925.2M | $10.4M | ||
| Q2 25 | $933.8M | $9.9M | ||
| Q1 25 | $912.5M | $10.9M | ||
| Q4 24 | $866.8M | $11.5M | ||
| Q3 24 | $878.6M | $10.6M | ||
| Q2 24 | $873.6M | $13.8M | ||
| Q1 24 | $869.5M | $14.6M |
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 | $-812.5K |
| Free Cash FlowOCF − Capex | $11.2M | $-977.3K |
| FCF MarginFCF / Revenue | 130.9% | -19.5% |
| Capex IntensityCapex / Revenue | 4.9% | 3.3% |
| Cash ConversionOCF / Net Profit | 5.46× | — |
| TTM Free Cash FlowTrailing 4 quarters | $20.3M | $-2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.6M | $-812.5K | ||
| Q3 25 | $3.7M | $-240.7K | ||
| Q2 25 | $3.8M | $-704.2K | ||
| Q1 25 | $1.9M | $-189.5K | ||
| Q4 24 | $6.8M | $-317.9K | ||
| Q3 24 | $4.1M | $167.4K | ||
| Q2 24 | $619.0K | $289.8K | ||
| Q1 24 | $1.2M | $-704.1K |
| Q4 25 | $11.2M | $-977.3K | ||
| Q3 25 | $3.6M | $-243.6K | ||
| Q2 25 | $3.7M | $-705.7K | ||
| Q1 25 | $1.8M | $-205.0K | ||
| Q4 24 | $6.4M | $-482.3K | ||
| Q3 24 | $4.0M | $157.4K | ||
| Q2 24 | $489.0K | — | ||
| Q1 24 | $1.1M | $-708.7K |
| Q4 25 | 130.9% | -19.5% | ||
| Q3 25 | 43.3% | -5.2% | ||
| Q2 25 | 44.0% | -15.3% | ||
| Q1 25 | 22.7% | -4.3% | ||
| Q4 24 | 83.9% | -9.4% | ||
| Q3 24 | 49.5% | 3.5% | ||
| Q2 24 | 5.9% | — | ||
| Q1 24 | 14.8% | -16.2% |
| Q4 25 | 4.9% | 3.3% | ||
| Q3 25 | 0.8% | 0.1% | ||
| Q2 25 | 1.4% | 0.0% | ||
| Q1 25 | 1.9% | 0.3% | ||
| Q4 24 | 5.6% | 3.2% | ||
| 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× | -21.06× | ||
| Q3 24 | 2.36× | — | ||
| Q2 24 | 0.60× | 0.63× | ||
| Q1 24 | 0.91× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AFBI
Segment breakdown not available.
YCBD
| Sales Channel Directly To Consumer | $3.6M | 72% |
| Sales Channel Through Intermediary | $1.4M | 28% |
