AFBI (Affinity Bancshares) Debt-to-Asset : 0.06 (As of Mar. 2026)

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AFBI Affinity Bancshares Inc AFBI
63 GF Score
Price $23.00
GF Value $20.50
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Affinity Bancshares Debt-to-Asset?

Affinity Bancshares AFBI +0.02% 63 Debt-to-Asset is 0.06 as of Mar. 2026. GuruFocus rates AFBI with a GF Score™ of 63/100 and a GF Value™ of $20.50 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Affinity Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0.00 Mil. Affinity Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $54.00 Mil. Affinity Bancshares's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Mar. 2026 was $924.68 Mil. Affinity Bancshares's debt to asset for the quarter that ended in Mar. 2026 was 0.06.

Affinity Bancshares  (NAS:AFBI) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Affinity Bancshares Debt-to-Asset Related Terms

Affinity Bancshares Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Affinity Bancshares's Debt-to-Asset 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 Debt-to-Asset Chart

Affinity Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial 0.06 0.01 0.05 0.07 0.06

Affinity Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-Asset 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 0.06 0.06 0.06 0.06 0.06

AFBI vs PONT, FMBM, CBBI: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Affinity Bancshares's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Affinity Bancshares Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Affinity Bancshares's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Affinity Bancshares's Debt-to-Asset falls into.


AFBI
63GF Score
Affinity Bancshares Inc AFBI
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Affinity Bancshares Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Affinity Bancshares's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 54) / 881.697
=0.06

Affinity Bancshares's Debt-to-Asset for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 54) / 924.677
=0.06

* 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 Debt-to-Asset →
What does a Debt-to-Asset of 0.06 mean?
Affinity Bancshares (AFBI) has a Debt-to-Asset of 0.06 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Affinity Bancshares and its competitors.
Is Affinity Bancshares' Debt-to-Asset too high?
Affinity Bancshares' current Debt-to-Asset is 0.06. Overall, Affinity Bancshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' Debt-to-Asset compare to PONT and FMBM?
Affinity Bancshares' Debt-to-Asset of 0.06 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Affinity Bancshares and its competitors. Affinity Bancshares's current Debt-to-Asset is 0.06. 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 $20.50, compared to a current price of $23.00 — trading 12.2% above its estimated fair value. The current Debt-to-Asset is 0.06. Affinity Bancshares' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Debt-to-Asset is 0.06 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 $23.00 is trading 12.2% above its estimated GF Value™ of $20.50. GuruFocus considers Affinity Bancshares to be Modestly Overvalued.

Key valuation signals for AFBI:

  • Debt-to-Asset: 0.06
  • GF Value™: $20.50 vs. price of $23.00 (12.2% above fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for AFBI

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.00
Price
$20.50
GF Value