AFBI (Affinity Bancshares) Ending Cash Position: $89.35 Mil (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 $22.84
GF Value $20.44
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Affinity Bancshares Ending Cash Position?

Affinity Bancshares AFBI +0.31% 65 Ending Cash Position is $89.35 Mil as of Mar. 2026. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.44 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Affinity Bancshares's Ending Cash Position for the quarter that ended in Mar. 2026 was $89.35 Mil.

Affinity Bancshares's quarterly Ending Cash Position declined from Sep. 2025 ($84.85 Mil) to Dec. 2025 ($53.85 Mil) but then increased from Dec. 2025 ($53.85 Mil) to Mar. 2026 ($89.35 Mil).

Affinity Bancshares's annual Ending Cash Position declined from Dec. 2023 ($50.03 Mil) to Dec. 2024 ($41.43 Mil) but then increased from Dec. 2024 ($41.43 Mil) to Dec. 2025 ($53.85 Mil).

Affinity Bancshares Ending Cash Position Related Terms

Affinity Bancshares Ending Cash Position Historical Data

* Premium members only.

The historical data trend for Affinity Bancshares's Ending Cash Position 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 Ending Cash Position Chart

Affinity Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Ending Cash Position
Get a 7-Day Free Trial 111.78 26.32 50.03 41.43 53.85

Affinity Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Ending Cash Position 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 74.70 89.67 84.85 53.85 89.35
AFBI
65GF Score
Affinity Bancshares Inc AFBI
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Affinity Bancshares Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Affinity Bancshares's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=41.425+12.425
=53.85

Affinity Bancshares's Ending Cash Position for the quarter that ended in Mar. 2026 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=53.85+35.502
=89.35

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $89.35 Mil mean?
Affinity Bancshares (AFBI) has a Ending Cash Position of $89.35 Mil as of Mar. 2026. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Affinity Bancshares and its competitors.
Is Affinity Bancshares' Ending Cash Position too high?
Affinity Bancshares' current Ending Cash Position is $89.35 Mil. 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' Ending Cash Position compare to LSBK and DIMC?
Affinity Bancshares' Ending Cash Position of $89.35 Mil 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 Ending Cash Position for a Banks company?
A good Ending Cash Position depends on the Banks industry context. However, Ending Cash Position 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 Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Affinity Bancshares and its competitors. Affinity Bancshares's current Ending Cash Position is $89.35 Mil. 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 $20.44, compared to a current price of $22.84 — trading 11.7% above its estimated fair value. The current Ending Cash Position is $89.35 Mil. 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 Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Ending Cash Position is $89.35 Mil 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 $22.84 is trading 11.7% above its estimated GF Value™ of $20.44. GuruFocus considers Affinity Bancshares to be Modestly Overvalued.

Key valuation signals for AFBI:

  • Ending Cash Position: $89.35 Mil
  • GF Value™: $20.44 vs. price of $22.84 (11.7% 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

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

$22.84
Price
$20.44
GF Value