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Affinity Bancshares, Inc. (AFBI)

USD22.65 +0.00 (+0.00%)
US NASDAQ Financial Services Banks - Regional
Address 3175 Highway 278 30014
Covington, GA, US
CEO Edward J. Cooney
IPO 2017-04-28
CIK 1823406 ISIN US00832E1038

Explore sections of this company profile

Description

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. Further, it operates FitnessBank, a virtual bank which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. The company was founded in 1928 and is headquartered in Covington, Georgia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD22.65 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
13.5K
Beta
-0.04
Float Shares
4.28M
Free Float %
70.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.09% +0.04% +0.22% +12.91% +16.30% +9.77% +24.14% +86.16% +79.04% +69.07% +69.07%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
22.65
DCF (Unlevered) 21.72 -4.1%
DCF (Levered) 26.33 +16.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.37
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +5.9% Q1'26: -1.9% (vs Q1'25)
  • EPS growth
    +55.4% Q1'26: +28.6% (vs Q1'25)
  • FCF margin
    Q1'26: +35.3% (vs Q1'25)
  • EBIT margin
    Q1'26: +19.8% (vs Q1'25)
  • ROIC
    Q1'26: +5.3% (vs Q1'25)
  • Share dilution
    -3.8% Q1'26: -3.8% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.51× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.04) × ERP
WACC = 72% × Ke + 28% × Kd (36.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 21.72 Current price: 22.65
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-27 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-26 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-22 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-21 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-20 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-19 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-18 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-15 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-05-14 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-05-13 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-05-12 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-05-11 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-05-08 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-05-07 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-05-06 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-05-05 B 3/5 4/5 2/5 4/5 2/5 2/5 3/5
2026-05-04 B 3/5 4/5 2/5 4/5 2/5 2/5 3/5
2026-05-01 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-30 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-29 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-28 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-27 B 3/5 3/5 3/5 4/5 2/5 2/5 3/5
2026-04-24 B 3/5 3/5 3/5 4/5 1/5 2/5 3/5
2026-04-23 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-22 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-21 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-20 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-17 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-16 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
14.07M
OE per share TTM
2.20
Owner's Yield
10.28%
Maintenance CapEx ratio
3.33%
Maint CapEx / Avg PPE
13.1%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
31
Total invested
36.16M
Insider transactions (90d)
0
Beneficial owners (>5%)
4
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Kenneth R. Lehman 817.3K 11.00% 772.0K 45.3K 772.0K 45.3K IN USA 2024-02-12
2 Not Applicable 681.0K 9.90% 527.5K 153.4K 527.5K 153.4K IN 2021-02-10
3 Employee Stock Ownership Plan Trust 558.3K 8.12% 500.4K 57.9K 558.3K EP Georgia 2022-02-11
4 13-4064930 420.1K 6.30% 420.1K 420.1K IA Delaware 2023-02-14

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
31
+5 vs prev Q
New positions
14
Closed positions
9
Increased
17
Reduced
8
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 30.4K +30.4K (+100.0%) 622.62M +622.6M (+100.0%) 0.50% +0.496 pp 0.45% +0.450 pp USD20.47 +0.0% 1 qtrs NEW
2 ALLIANCEBERNSTEIN L.P. 587.8K +41.2K (+7.5%) 12.00M +1.2M (+11.3%) 9.58% +0.984 pp 0.00% +0.000 pp USD15.63 +31.0% 20 qtrs
3 RAFFLES ASSOCIATES LP 198.8K -288.0 (-0.1%) 4.07M +143.5K (+3.7%) 3.24% +0.109 pp 3.05% -0.603 pp USD12.21 +67.6% 20 qtrs
4 VANGUARD GROUP INC 165.4K +13.6K (+8.9%) 3.44M +442.9K (+14.8%) 2.70% +0.308 pp 0.00% +0.000 pp USD19.57 +4.6% 20 qtrs
5 YAKIRA CAPITAL MANAGEMENT, INC. 69.8K -24.7K (-26.1%) 1.43M -434.8K (-23.3%) 1.14% -0.349 pp 0.48% -0.171 pp USD20.78 -1.5% 7 qtrs
6 DIMENSIONAL FUND ADVISORS LP 60.1K -575.0 (-0.9%) 1.25M +52.4K (+4.4%) 0.98% +0.025 pp 0.00% +0.000 pp USD15.36 +33.3% 20 qtrs
7 RENAISSANCE TECHNOLOGIES LLC 59.2K -2.4K (-3.9%) 1.21M -2.9K (-0.2%) 0.97% -0.004 pp 0.00% +0.000 pp USD16.01 +27.9% 20 qtrs
8 MALTESE CAPITAL MANAGEMENT LLC 56.4K +3.0K (+5.5%) 1.15M +97.3K (+9.2%) 0.92% +0.079 pp 0.20% +0.045 pp USD18.10 +13.1% 5 qtrs
9 GEODE CAPITAL MANAGEMENT, LLC 50.3K -632.0 (-1.2%) 1.05M +40.8K (+4.1%) 0.82% +0.019 pp 0.00% +0.000 pp USD16.44 +24.5% 14 qtrs
10 BLACKROCK, INC. 27.5K +5.5K (+24.9%) 561.9K +127.4K (+29.3%) 0.45% +0.102 pp 0.00% +0.000 pp USD20.80 -1.6% 6 qtrs
11 OBJECTIVITY SQUARED, LLC 26.9K +— (+0.0%) 549.4K +18.6K (+3.5%) 0.44% +0.015 pp 0.31% -0.009 pp USD15.97 +28.2% 9 qtrs
12 STATE STREET CORP 22.5K +— (+0.0%) 467.9K +23.9K (+5.4%) 0.37% +0.013 pp 0.00% +0.000 pp USD20.85 -1.8% 7 qtrs
13 WELLS FARGO & COMPANY/MN 21.3K +— (+0.0%) 436.0K +16.0K (+3.8%) 0.35% +0.012 pp 0.00% +0.000 pp USD14.79 +38.4% 17 qtrs
14 SUSQUEHANNA INTERNATIONAL GROUP, LLP 20.8K -4.5K (-17.8%) 432.8K -67.1K (-13.4%) 0.34% -0.059 pp 0.00% +0.000 pp USD17.84 +14.7% 5 qtrs
15 NORTHERN TRUST CORP 17.6K -121.0 (-0.7%) 359.1K +9.8K (+2.8%) 0.29% +0.008 pp 0.00% +0.000 pp USD16.80 +21.8% 9 qtrs
16 FARTHER FINANCE ADVISORS, LLC 16.2K +— (+0.0%) 331.2K +11.2K (+3.5%) 0.26% +0.009 pp 0.00% -0.001 pp USD15.17 +34.9% 10 qtrs
17 SALZHAUER MICHAEL 15.0K +— (+0.0%) 306.7K +10.4K (+3.5%) 0.24% +0.009 pp 0.13% -0.017 pp USD18.38 +11.4% 3 qtrs
18 ROCKEFELLER CAPITAL MANAGEMENT L.P. 2.5K +— (+0.0%) 51.0K +1.7K (+3.5%) 0.04% +0.001 pp 0.00% +0.000 pp USD19.72 +3.8% 2 qtrs
19 COVESTOR LTD 2.4K +— (+0.0%) 49.0K +1.0K (+2.1%) 0.04% +0.001 pp 0.03% -0.001 pp USD20.46 +0.0% 7 qtrs
20 OAKWORTH CAPITAL, INC. 1.0K +— (+0.0%) 20.4K +690.0 (+3.5%) 0.02% +0.001 pp 0.00% +0.000 pp USD19.72 +3.8% 2 qtrs
21 FMR LLC 707.00 +707.0 (+100.0%) 14.7K +14.7K (+100.0%) 0.01% +0.012 pp 0.00% +0.000 pp USD20.47 +0.0% 1 qtrs NEW
22 MORGAN STANLEY 380.00 +351.0 (+1,210.3%) 7.8K +7.2K (+1,255.9%) 0.01% +0.006 pp 0.00% +0.000 pp USD20.24 +1.1% 5 qtrs
23 BNP PARIBAS ARBITRAGE, SNC 331.00 +331.0 (+100.0%) 6.8K +6.8K (+100.0%) 0.01% +0.005 pp 0.00% +0.000 pp USD20.47 +0.0% 1 qtrs NEW
24 UBS GROUP AG 15.00 -219.0 (-93.6%) 306.00 -4.3K (-93.4%) 0.00% -0.003 pp 0.00% +0.000 pp USD18.20 +12.5% 8 qtrs
25 BANK OF AMERICA CORP /DE/ 7.00 -3.0 (-30.0%) 143.00 -54.0 (-27.4%) 0.00% +0.000 pp 0.00% +0.000 pp USD20.29 +0.9% 7 qtrs
26 CITIGROUP INC 1.00 -2.0 (-66.7%) 21.00 -38.0 (-64.4%) 0.00% +0.000 pp 0.00% +0.000 pp USD19.00 +7.7% 2 qtrs
27 TOWER RESEARCH CAPITAL LLC (TRC) -111.0 (-100.0%) -2.2K (-100.0%) 0.00% -0.002 pp 0.00% 0.000 pp USD 12 qtrs SOLD
28 FNY INVESTMENT ADVISERS, LLC -2.7K (-100.0%) -53.0K (-100.0%) 0.00% -0.043 pp 0.00% -0.017 pp USD 2 qtrs SOLD
29 BARCLAYS PLC -1.8K (-100.0%) -39.3K (-100.0%) 0.00% -0.029 pp 0.00% +0.000 pp USD 6 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 20 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares Micro-Cap ETF IWC 0.02% 332.3K 0.60%
2 Dimensional - US Vector Equity ETF DXUV 0.00% 15.9K 0.28%
3 Vanguard Extended Market ETF VXF 0.00% 1.12M 0.05%
4 Dimensional - US Targeted Value ETF DFAT 0.00% 94.1K 0.28%
5 U.S. Micro Cap Portfolio ETF DFMC 0.00% 42.9K 0.43%
6 Dimensional - US Core Equity 1 ETF DCOR 0.00% 15.9K 0.14%
7 Dimensional - US Core Equity 2 ETF DFAC 0.00% 160.7K 0.17%
8 Vanguard U.S. Total Market Index ETF VUN.TO 0.00% 11.4K 0.17%
9 Vanguard U.S. Total Market Shares Index ETF VTS.AX 0.00% 4.1K 0.03%
10 Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO 0.00% 839.53 0.17%

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Ratio by volume
0.00
Bearish
Buys
0
Sells
3
Shares acquired
Shares disposed
1.9K
Cash buys
Cash sales
Net activity
-1,866
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2025-12-18 Shore Teak Director Common Stock 0 0.00 20,000 D
2025-11-16 Vickers Robert Officer F-InKind D Common Stock 192 19.36 3.7K 2,608 D
2025-11-16 Pajot Brandi C Officer F-InKind D Common Stock 274 19.36 5.3K 21,415 D
2025-11-16 Nelson Clark Officer F-InKind D Common Stock 1,400 19.36 27.1K 12,569 D
2025-08-25 Vickers Robert Officer S-Sale D Common Stock 7,565 19.47 147.3K 2,800 D
2025-07-28 Pajot Brandi C Officer F-InKind D Common Stock 275 19.37 5.3K 21,689 D
2025-07-01 Nelson Clark Officer F-InKind D Common Stock 548 18.40 10.1K 13,969 D
2025-06-09 Nelson Clark Officer S-Sale D Common Stock 445 18.18 8.1K 14,517 D
2025-06-06 Nelson Clark Officer S-Sale D Common Stock 9,473 18.21 172.5K 14,962 D
2025-06-02 Reich Robin S Director P-Purchase A Common Stock 5,418 18.49 100.2K 24,494 D
2025-04-30 Vickers Robert Officer F-InKind D Common Stock 498 18.36 9.1K 10,365 D
2025-04-30 Pajot Brandi C Officer F-InKind D Common Stock 498 18.36 9.1K 21,964 D
2025-04-30 Nelson Clark Officer F-InKind D Common Stock 597 18.36 11.0K 24,435 D
2025-03-21 Pajot Brandi C Officer F-InKind D Common Stock 274 18.07 5.0K 22,462 D
2024-11-20 Roberts Howard G Director S-Sale D Common Stock 134 21.50 2.9K 23,941 D
2024-11-19 Roberts Howard G Director S-Sale D Common Stock 703 21.50 15.1K 24,075 D
2024-11-16 Vickers Robert Officer F-InKind D Common Stock 193 21.49 4.1K 10,863 D
2024-11-16 Pajot Brandi C Officer F-InKind D Common Stock 275 21.49 5.9K 22,736 D
2024-11-16 Nelson Clark Officer F-InKind D Common Stock 2,233 21.49 48.0K 25,032 D
2024-11-15 Roberts Howard G Director S-Sale D Common Stock 102 21.50 2.2K 24,778 D
2024-11-14 Roberts Howard G Director S-Sale D Common Stock 142 21.50 3.1K 24,880 D
2024-11-13 Roberts Howard G Director S-Sale D Common Stock 129 21.50 2.8K 25,022 D
2024-11-12 Roberts Howard G Director S-Sale D Common Stock 222 21.50 4.8K 25,151 D
2024-11-08 Roberts Howard G Director S-Sale D Common Stock 1,346 21.50 28.9K 25,373 D
2024-11-07 Roberts Howard G Director S-Sale D Common Stock 1,453 21.51 31.3K 26,719 D
2024-11-06 Roberts Howard G Director S-Sale D Common Stock 3,829 21.50 82.3K 28,172 D
2024-07-28 Pajot Brandi C Officer F-InKind D Common Stock 275 21.23 5.8K 23,011
2024-07-01 Cooney Edward John Director / Officer F-InKind D Common Stock 2,713 21.07 57.2K 77,051
2023-12-31 Richardson Bob W. Director I Common Stock 0 0.00 6,844
2023-11-20 Roberts Howard G Director P-Purchase A Common Stock 400 14.48 5.8K 2,906
2023-11-16 Vickers Robert Officer A-Award A Stock Options 0 14.49 10,000
2023-11-16 Stone Edward P. Director A-Award A Stock Options 0 14.49 5,000
2023-11-16 Ross Mark J Director A-Award A Common Stock 1,000 0.00 15,910
2023-11-16 Roberts Howard G Director A-Award A Stock Options 0 14.49 5,000
2023-11-16 Richardson Bob W. Director A-Award A Stock Options 0 14.49 5,000
2023-11-16 Reich Robin S Director A-Award A Stock Options 0 14.49 5,000
2023-11-16 Pajot Brandi C Officer A-Award A Common Stock 5,000 0.00 23,286
2023-11-16 Nelson Clark Officer A-Award A Stock Options 0 14.49 10,000
2023-11-16 Ginn Marshall L. Director A-Award A Stock Options 0 14.49 5,000
2023-11-16 Galazka Elizabeth Officer A-Award A Stock Options 0 14.49 10,700
2023-11-16 Fortson William D. Jr. Director A-Award A Common Stock 1,000 0.00 68,300
2023-08-31 Reich Robin S Director P-Purchase A Common Stock 6,000 14.86 89.2K 18,076
2023-08-08 Cooney Edward John Director / Officer P-Purchase A Common Stock 1,500 14.44 21.7K 146,663
2023-07-28 Pajot Brandi C Officer F-InKind D Common Stock 278 13.70 3.8K 18,286
2023-07-20 Nelson Clark Officer F-InKind D Common Stock 555 11.69 6.5K 20,265
2023-07-20 Galazka Elizabeth Officer F-InKind D Common Stock 278 11.69 3.2K 20,302
2023-05-16 Cooney Edward John Director / Officer P-Purchase A Common Stock 1,000 12.10 12.1K 145,163
2023-04-30 Vickers Robert Director F-InKind D Common Stock 504 14.99 7.6K 7,556
2023-04-30 Pajot Brandi C Officer F-InKind D Common Stock 252 14.99 3.8K 18,564
2023-04-30 Nelson Clark Officer F-InKind D Common Stock 604 14.99 9.1K 20,820
2023-04-30 Galazka Elizabeth Officer F-InKind D Common Stock 302 14.99 4.5K 20,580
2023-04-12 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 332 14.49 4.8K 772,016
2023-04-11 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 7,088 14.49 102.7K 771,684
2023-04-10 LEHMAN KENNETH R 10% Owner L-Small A Common Stock 104 14.51 1.5K 764,596
2023-04-06 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 1,225 14.59 17.9K 764,492
2023-04-05 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 1,569 14.49 22.7K 763,267
2023-04-04 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 10,883 14.49 157.7K 761,698
2023-03-21 Pajot Brandi C Officer A-Award A Stock Options 10,000 14.40 144.0K 10,000
2023-03-21 Nelson Clark Officer A-Award A Stock Options 7,500 14.40 108.0K 7,500
2023-03-21 Galazka Elizabeth Officer A-Award A Stock Options 5,000 14.40 72.0K 5,000
2023-03-21 Cooney Edward John Director / Officer A-Award A Stock Options 5,000 14.40 72.0K 5,000
2023-02-15 Roberts Howard G Director P-Purchase A Common Stock 1,000 15.94 15.9K 29,001
2023-02-14 Roberts Howard G Director P-Purchase A Common Stock 1,000 15.75 15.8K 28,001
2023-02-14 Cooney Edward John Director / Officer P-Purchase A Common Stock 411 15.65 6.4K 70,163
2022-11-30 Roberts Howard G Director P-Purchase A Common Stock 800 15.12 12.1K 2,506
2022-11-03 Roberts Howard G Director P-Purchase A Common Stock 2,000 14.64 29.3K 31,001
2022-07-28 Pajot Brandi C Officer A-Award A Common Stock 5,000 0.00 13,816
2022-07-01 Vickers Robert Officer A-Award A Stock Options 10,000 0.00 10,000
2022-07-01 Proffitt Gregory J. Officer A-Award A Stock Options 7,000 0.00 7,000
2022-07-01 Pajot Brandi C Officer A-Award A Stock Options 10,000 0.00 10,000
2022-07-01 Nelson Clark Officer A-Award A Stock Options 5,000 14.85 74.3K 5,000
2022-07-01 Galazka Elizabeth Officer A-Award A Stock Options 5,000 14.85 74.3K 5,000
2022-07-01 Cooney Edward John Officer A-Award A Common Stock 29,600 0.00 67,583
2022-05-27 Nelson Clark Officer P-Purchase A Common Stock 235 14.90 3.5K 11,424
2022-05-24 Stone Edward P. Director A-Award A Common Stock 4,200 0.00 54,281
2022-05-24 Ross Mark J Director A-Award A Stock Options 10,500 0.00 10,500
2022-05-24 Roberts Howard G Director A-Award A Common Stock 4,200 0.00 25,001
2022-05-24 Richardson Bob W. Director A-Award A Stock Options 10,500 14.87 156.1K 10,500
2022-05-24 Reich Robin S Director A-Award A Stock Options 10,500 14.87 156.1K 10,500
2022-05-24 Ginn Marshall L. Director A-Award A Common Stock 4,200 0.00 12,094
2022-05-24 Fortson William D. Jr. Director A-Award A Common Stock 4,200 0.00 67,300
2022-04-30 Vickers Robert Officer F-InKind D Common Stock 504 15.40 7.8K 8,060
2022-04-30 Pajot Brandi C Officer F-InKind D Common Stock 252 15.40 3.9K 8,816
2022-04-30 Nelson Clark Officer F-InKind D Common Stock 604 15.40 9.3K 11,174
2022-04-23 Proffitt Gregory J. Officer F-InKind D Common Stock 832 15.17 12.6K 17,190
2022-04-23 Nolan Tessa M. Officer F-InKind D Common Stock 701 15.17 10.6K 10,461
2022-03-14 Roberts Howard G Director P-Purchase A Common Stock 200 15.67 3.1K 1,706
2022-03-07 Roberts Howard G Director P-Purchase A Common Stock 3,000 15.25 45.8K 20,801
2021-12-13 Roberts Howard G Director P-Purchase A Common Stock 1,000 15.09 15.1K 17,801
2021-12-10 Roberts Howard G Director P-Purchase A Common Stock 2,000 15.20 30.4K 16,801
2021-12-02 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 1,856 14.78 27.4K 714,317
2021-12-01 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 3,900 14.77 57.6K 712,461
2021-11-30 Roberts Howard G Director P-Purchase A Common Stock 798 14.75 11.8K 14,801
2021-11-30 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 4,000 14.71 58.8K 708,561
2021-11-29 Roberts Howard G Director P-Purchase A Common Stock 2,000 14.80 29.6K 14,003
2021-11-24 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 1,000 14.90 14.9K 704,561
2021-11-18 Cooney Edward John Director / Officer P-Purchase A Common Stock 1,900 14.89 28.3K 37,983
2021-11-17 Cooney Edward John Director / Officer P-Purchase A Common Stock 871 14.85 12.9K 36,083
2021-10-12 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 3,703 14.14 52.4K 703,561
2021-10-11 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 1,417 14.10 20.0K 699,858
2021-10-08 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 81 13.86 1.1K 698,441
2021-10-07 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 1,522 13.86 21.1K 698,360
2021-09-02 Galazka Elizabeth Officer P-Purchase A Common Stock 700 13.97 9.8K 1,100
2021-08-31 LEHMAN KENNETH R 10% Owner L-Small A COMMON STOCK 300 13.89 4.2K 696,838
2021-08-30 LEHMAN KENNETH R 10% Owner L-Small A COMMON STOCK 415 13.87 5.8K 696,538
2021-08-30 Galazka Elizabeth Officer L-Small A Common Stock 100 13.93 1.4K 400
2021-08-24 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 406 13.56 5.5K 696,123
2021-08-23 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 3,007 13.64 41.0K 695,717
2021-08-20 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 6,080 13.38 81.4K 692,710
2021-08-19 Galazka Elizabeth Officer L-Small A Common Stock 300 13.66 4.1K 300
2021-08-18 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 448 13.49 6.0K 686,630
2021-08-16 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 20 13.24 264.80 686,182
2021-08-13 Cooney Edward John Director / Officer P-Purchase A Common Stock 1,800 13.26 23.9K 35,212
2021-08-06 LEHMAN KENNETH R 10% Owner P-Purchase A COMMON STOCK 252 13.14 3.3K 686,162
2021-08-03 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 1,217 13.14 16.0K 685,910
2021-08-02 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 1,557 13.14 20.5K 684,693
2021-07-30 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 5,139 13.11 67.4K 683,136
2021-07-28 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 332 13.04 4.3K 677,997
2021-07-26 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 421 13.01 5.5K 677,665
2021-07-22 LEHMAN KENNETH R 10% Owner L-Small A Common Stock 557 13.01 7.2K 677,244
2021-07-20 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 28 13.04 365.12 676,687
2021-07-19 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 1,175 12.79 15.0K 676,659
2021-07-16 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 8,006 13.01 104.2K 675,484
2021-07-08 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 11,884 12.96 154.0K 667,478
2021-07-07 LEHMAN KENNETH R 10% Owner P-Purchase A Common Stock 4,640 12.81 59.4K 655,594
2021-07-06 LEHMAN KENNETH R 10% Owner L-Small A Common Stock 169 12.91 2.2K 650,954
2021-06-30 LEHMAN KENNETH R 10% Owner D Common Stock 0 0.00 650,785
2021-04-30 Vickers Robert Officer D Stock Options 16,540 6.39 105.7K 0
2021-04-30 Reich Robin S Director D Stock Options 11,027 6.39 70.5K 0
2021-04-30 Pajot Brandi C Officer D Stock Options 16,540 6.39 105.7K 0
2021-04-30 Nelson Clark Officer D Stock Options 27,567 6.39 176.2K 0
2021-04-30 Galazka Elizabeth Officer D Stock Options 27,567 6.39 176.2K 0
2021-04-30 Cooney Edward John Director / Officer D Stock Options 49,621 6.39 317.2K 0
2021-04-23 Proffitt Gregory J. Officer F-InKind D Common Stock 832 12.45 10.4K 18,022
2021-04-23 Nolan Tessa M. Officer F-InKind D Common Stock 701 12.45 8.7K 11,162
2021-01-21 Roberts Howard G Director P-Purchase A Common Stock 3,000 10.85 32.6K 9,801
2021-01-21 Reich Robin S Director P-Purchase A Common Stock 6,970 10.78 75.1K 7,876
2021-01-20 Vickers Robert Officer D Common Stock 0 0.00 9,068
2021-01-20 Stone Edward P. Director I Common Stock 0 0.00 3,000
2021-01-20 Ross Mark J Director D Common Stock 0 0.00 10,710
2021-01-20 Roberts Howard G Director I Common Stock 0 0.00 903
2021-01-20 Richardson Bob W. Director I Common Stock 0 0.00 6,844
2021-01-20 Reich Robin S Director D Common Stock 0 0.00 906
2021-01-20 Proffitt Gregory J. Officer I Common Stock 0 0.00 1,518
2021-01-20 Pajot Brandi C Officer D Common Stock 0 0.00 9,068
2021-01-20 Nolan Tessa M. Officer D Common Stock 0 0.00 11,863
2021-01-20 Nelson Clark Officer I Common Stock 0 0.00 1,000
2021-01-20 Ginn Marshall L. Director I Common Stock 0 0.00 7,708
2021-01-20 Galazka Elizabeth Officer D Common Stock 0 0.00 10,882
2021-01-20 Fortson William D. Jr. Director D Common Stock 0 0.00 63,100
2021-01-20 Cooney Edward John Director / Officer I Common Stock 0 0.00 5,130
2020-04-30 Stone Edward P. Director D Stock Options 20,364 9.16 186.5K 0
2020-04-30 Ross Mark J Director D Stock Options 20,364 9.16 186.5K 0
2020-04-30 Roberts Howard G Director D Stock Options 20,364 9.16 186.5K 0
2020-04-30 Richardson Bob W. Director D Stock Options 20,364 9.16 186.5K 0
2020-04-30 Proffitt Gregory J. Officer D Stock Options 48,877 9.16 447.7K 0
2020-04-30 Nolan Tessa M. Officer D Stock Options 40,730 9.16 373.1K 0
2020-04-30 Ginn Marshall L. Director D Stock Options 20,364 9.16 186.5K 0
2020-04-30 Fortson William D. Jr. Director D Stock Options 20,364 9.16 186.5K 0
2002-04-23 Proffitt Gregory J. Officer F-InKind D Common Stock 832 15.17 12.6K 17,190
2002-04-23 Nolan Tessa M. Officer F-InKind D Common Stock 701 15.17 10.6K 10,461

Executive team

Top executives
EBIT / Employee
144.1K
Shares Outstanding
6.09M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2024 Edward J. Cooney, President & Chief Executive Officer 450.0K 124.0K 86.6K 660.6K 0.00%
2 2024 Clark N. Nelson, Executive Vice President and Chief Credit Officer 315.0K 112.0K 51.1K 478.1K 0.00%
3 2024 Elizabeth M. Galazka, Executive Vice President of Lending 283.0K 82.0K 34.9K 399.9K 0.00%
4 2023 Edward J. Cooney, President & Chief Executive Officer 432.2K 69.0K 106.6K 26.1K 72.1K 706.0K 18.80%
5 2023 Clark N. Nelson, Executive Vice President and Chief Credit Officer 275.0K 65.3K 101.4K 95.0K 48.1K 584.9K 33.59%
6 2023 Elizabeth M. Galazka, Executive Vice President of Lending 275.0K 45.5K 43.5K 88.7K 34.0K 486.7K 27.16%
7 2022 Edward J. Cooney, President & Chief Executive Officer 390.0K 45.0K 439.6K 232.9K 81.5K 1.19M 56.56%
8 2022 Elizabeth M. Galazka, Executive Vice President of Lending 263.0K 38.0K 148.5K 30.5K 54.5K 534.6K 33.49%
9 2022 Clark N. Nelson, Executive Vice President and Chief Credit Officer 263.0K 38.0K 148.5K 30.5K 54.0K 534.0K 33.53%
10 2021 Edward J. Cooney, President & Chief Executive Officer 324.2K 37.0K 64.1K 425.4K 0.00%
11 2021 Clark N. Nelson, Executive Vice President and Chief Credit Officer 252.4K 24.5K 40.0K 316.9K 0.00%
12 2021 Elizabeth M. Galazka, Executive Vice President of Lending 253.4K 24.5K 33.2K 311.1K 0.00%
13 2020 Johnny S. Smith, Former President and Chief Executive Officer 77.8K 760.2K 838.1K 0.00%
14 2020 Edward J. Cooney, Chief Executive Officer 312.6K 176.3K 90.9K 47.7K 627.4K 42.58%
15 2020 Elizabeth M. Galazka, Executive Vice President of Lending 243.4K 84.6K 50.5K 13.2K 391.6K 34.50%
16 2020 Clark N. Nelson, Executive Vice President and Chief Credit Officer 238.8K 84.6K 50.5K 14.5K 388.4K 34.79%
17 2020 Kenneth D. Lumpkin, Executive Vice President and Chief Lending and Marketing Officer 18.0K 328.3K 362.6K 0.00%
18 2020 Gregory J. Proffitt, President 252.3K 27.2K 279.5K 0.00%
19 2019 Johnny S. Smith, Former President and Chief Executive Officer 253.0K 272.3K 230.4K 52.9K 808.6K 62.17%
20 2019 Gregory J. Proffitt, President 198.0K 166.9K 131.6K 24.1K 520.6K 57.34%
21 2019 Kenneth D. Lumpkin, Executive Vice President and Chief Lending and Marketing Officer 187.0K 166.9K 131.6K 31.2K 516.7K 57.78%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-03-31 DEFA14A
2026-03-30 DEFA14A
2025-04-17 DEF 14A
2024-10-29 DEFA14A
2024-06-04 DEFA14A
2024-05-30 DEFA14A
2024-04-12 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-29 DEFM14A
2026-05-18 SC 13G/A
2026-05-08 10-Q
2026-05-06 PREM14A
2026-04-24 8-K
2026-04-17 10-K/A
2026-03-31 DEFA14A
2026-03-31 8-K
2026-03-30 DEFA14A
2026-03-20 10-K

Executive team

NameTitleCompensationGender
Edward J. Cooney President, CEO & Director 665.3K male
Clark N. Nelson Jr. Executive Vice President & Chief Credit Officer 482.5K male
Elizabeth Galazka Executive VP of Professional Markets 424.2K female
Brandi C. Pajot Senior Vice President, Chief Financial Officer, Chief Treasury, Corporate Secretary & Risk Officer female
Jacqueline Lyle Vice President of Compliance
Robert A. Vickers Senior VP & Chief Operations Officer male
ESG Rating
B
BANKS - REGIONAL
Rank: 172 out of 431
2026
E (Environmental)
33.5 / 64.3
Company / Sector avg.
S (Social)
98.8 / 76.5
Company / Sector avg.
G (Governance)
51.3 / 75.5
Company / Sector avg.
ESG Total
61.2 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits