AFBI (Affinity Bancshares) Cash per Share: $14.66 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

AFBI Affinity Bancshares Inc AFBI
65 GF Score
Price $22.99
GF Value $20.45
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Affinity Bancshares Cash per Share?

Affinity Bancshares AFBI +0.09% 65 Cash per Share is $14.66 as of Mar. 2026. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.45 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Cash per Share is calculated as Balance Sheet Cash And Cash Equivalents divided by Shares Outstanding (EOP). Affinity Bancshares's Cash per Share for the quarter that ended in Mar. 2026 was $14.66.

Affinity Bancshares  (NAS:AFBI) Cash per Share Explanation

Cash per Share represents the liquidity of a compant's assets. A high level of Cash per Share suggests that there's enough money on hand for a company to cover any emergencies and that the company has adequate money to reinvest its business or pay dividends to investors. However, if the ratio is too high, it can also suggeust the inefficiency of management for not making a full usage of the cash.

Affinity Bancshares Cash per Share Related Terms

Affinity Bancshares Cash per Share Historical Data

* Premium members only.

The historical data trend for Affinity Bancshares's Cash per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Affinity Bancshares Cash per Share Chart

Affinity Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash per Share
Get a 7-Day Free Trial 16.26 3.99 7.80 6.46 8.83

Affinity Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cash per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.76 14.24 13.70 8.83 14.66
AFBI
65GF Score
Affinity Bancshares Inc AFBI
Cash per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Affinity Bancshares Cash per Share Calculation

This is the ratio of a company's available cash, including easy to liquidate short-term investment, to its total number of shares outstanding. The result indicates the percentage of a company's share price that is available to spend on company's activities, such as strengthening the business, paying down the debt and making dividend payment to shareholders. It's a reliable indicator of a company's financial health.

Affinity Bancshares's Cash per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Cash per Share= Balance Sheet Cash And Cash Equivalents /Shares Outstanding (EOP)
=53.85/6.10
=8.83

Affinity Bancshares's Cash per Share for the quarter that ended in Mar. 2026 is calculated as:

Cash per Share= Balance Sheet Cash And Cash Equivalents /Shares Outstanding (EOP)
=89.352/6.10
=14.66

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Cash per Share →
What does a Cash per Share of $14.66 mean?
Affinity Bancshares (AFBI) has a Cash per Share of $14.66 as of Mar. 2026. Cash per share is the per-share value of a company's available cash. View historical data for Affinity Bancshares and its competitors.
Is Affinity Bancshares' Cash per Share too high?
Affinity Bancshares' current Cash per Share is $14.66. Overall, Affinity Bancshares has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' Cash per Share compare to PONT and FMBM?
Affinity Bancshares' Cash per Share of $14.66 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash per Share for a Banks company?
A good Cash per Share depends on the Banks industry context. However, Cash per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash per Share mean?
A high Cash per Share can signal that a stock is expensive relative to its fundamentals. Cash per share is the per-share value of a company's available cash. View historical data for Affinity Bancshares and its competitors. Affinity Bancshares's current Cash per Share is $14.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affinity Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Affinity Bancshares (AFBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.45, compared to a current price of $22.99 — trading 12.4% above its estimated fair value. The current Cash per Share is $14.66. Affinity Bancshares' overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash per Share calculated?
Cash per Share is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Cash per Share is $14.66 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Affinity Bancshares (AFBI) Overvalued in 2026?

Based on GuruFocus' analysis, Affinity Bancshares stock appears to be overvalued. The current stock price of $22.99 is trading 12.4% above its estimated GF Value™ of $20.45. GuruFocus considers Affinity Bancshares to be Modestly Overvalued.

Key valuation signals for AFBI:

  • Cash per Share: $14.66
  • GF Value™: $20.45 vs. price of $22.99 (12.4% above fair value)
  • GF Score™: 65/100 with 4 warning signs

No single metric tells the full story. See the AFBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Affinity Bancshares Business Description

Address 3175 Highway 278, Covington, GA, USA, 30014
Affinity Bancshares Inc is a bank holding company. The bank provides a range of financial services, including checking and savings accounts, certificates of deposit, mortgage, commercial and consumer loans, and money transfer services, operating across parts of Georgia and offering specialized lending such as dental practice and indirect automobile loans across the Southeastern United States. Its business mainly involves accepting public deposits and investing them in real estate and commercial loans, as well as mortgage-backed securities. The company also gathers deposits nationwide through its virtual bank, FitnessBank, and uses additional funding sources such as Federal Home Loan Bank borrowings.
65GF Score

Get the complete analysis for AFBI

Cash per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.99
Price
$20.45
GF Value