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Affinity BancsharesAFBI +0.02%64 EV-to-OCF is 7.42 as of Aug. 03, 2026, which is 21% below its 10-year median of 9.36. GuruFocus rates AFBI with a GF Score™ of 64/100 and a GF Value™ of $20.46 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,499 Banks companies, Affinity Bancshares ranks worse than 61.84% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Affinity Bancshares's Enterprise Value is $104.82 Mil.
Affinity Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $14.13 Mil. Therefore, Affinity Bancshares's EV-to-OCF for today is 7.42.
The historical rank and industry rank for Affinity Bancshares's EV-to-OCF or its related term are showing as below:
AFBI'
s EV-to-OCF Range Over the Past 10 Years
Min: -58.91 Med: 9.36 Max: 26.87
Current: 7.42
During the past 7 years, the highest EV-to-OCF of Affinity Bancshares was 26.87. The lowest was -58.91. And the median was 9.36.
AFBI's EV-to-OCF is ranked worse than 61.84% of 1499
companies
in the Banks industry
Industry Median: 3.98
vs AFBI: 7.42
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Affinity Bancshares's PE Ratio (TTM) for today is calculated as:
Affinity Bancshares's share price for today is $22.998.
Affinity Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.370.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Affinity Bancshares EV-to-OCF Related Terms
Affinity Bancshares EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's EV-to-OCF 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.
For the Banks - Regional subindustry, Affinity Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's EV-to-OCF falls into.
Affinity Bancshares's current Enterprise Value is $104.82 Mil.
Affinity Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $14.13 Mil.
* 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 (AFBI) has a EV-to-OCF of 7.42 as of Aug. 03, 2026. This is 21% below median its historical median of 9.36. According to the industry distribution chart, Affinity Bancshares ranks #927 out of 1499 companies in the Banks industry, placing it in the top 61.8%.
Is Affinity Bancshares' EV-to-OCF too high?
Affinity Bancshares' current EV-to-OCF of 7.42 is 21% below median its 10-year median of 9.36. The Banks industry median EV-to-OCF is 3.98. Affinity Bancshares' value of 7.42 is 86.4% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #927 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, Affinity Bancshares has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' EV-to-OCF compare to PONT and FMBM?
According to the Banks industry distribution chart, Affinity Bancshares ranks #927 out of 1499 companies for EV-to-OCF. This places Affinity Bancshares in the lower half of its industry. The industry median EV-to-OCF is 3.98. Affinity Bancshares' value of 7.42 is 86.4% above this benchmark. While the company's 10-year median is 9.36 vs. the industry median of 3.98, Affinity Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current EV-to-OCF of 7.42 is 86.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current EV-to-OCF is 7.42, which is 21% below median its own 10-year median of 9.36. 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 $20.46, compared to a current price of $23.00 — trading 12.4% above its estimated fair value. The current EV-to-OCF is 7.42, which is 21% below median its 10-year median of 9.36 and 86.4% above the Banks industry median of 3.98. Affinity Bancshares' overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current EV-to-OCF is 7.42 as of Aug. 03, 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 12.4% above its estimated GF Value™ of $20.46.
GuruFocus considers Affinity Bancshares to be Modestly Overvalued.
Key valuation signals for AFBI:
EV-to-OCF: 7.42 (21% below median its 10-year median of 9.36)
GF Value™: $20.46 vs. price of $23.00 (12.4% above fair value)
Industry Position: 86.4% above the Banks median (#927 of 1499)
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 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.
64GF Score
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