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Affinity BancsharesAFBI +0.02%68 Equity-to-Asset is 0.14 as of Mar. 2026, which is at its 10-year median of 0.14. GuruFocus rates AFBI with a GF Score™ of 68/100 and a GF Value™ of $20.47 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Affinity Bancshares ranks better than 83.28% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Affinity Bancshares's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $129.46 Mil. Affinity Bancshares's Total Assets for the quarter that ended in Mar. 2026 was $924.68 Mil.
Therefore, Affinity Bancshares's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.14.
The historical rank and industry rank for Affinity Bancshares's Equity-to-Asset or its related term are showing as below:
AFBI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.14 Max: 0.24
Current: 0.14
During the past 7 years, the highest Equity to Asset Ratio of Affinity Bancshares was 0.24. The lowest was 0.10. And the median was 0.14.
AFBI's Equity-to-Asset is ranked better than 83.28% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs AFBI: 0.14
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Affinity Bancshares Equity-to-Asset Related Terms
Affinity Bancshares Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's Equity-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.
AFBI vs PONT, FMBM, CBBI: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Affinity Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Affinity Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.14 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Affinity Bancshares and its competitors. This is near median its historical median of 0.14. Over the past decade, Affinity Bancshares' Equity-to-Asset has ranged from 0.10 to 0.24. According to the industry distribution chart, Affinity Bancshares ranks #255 out of 1525 companies in the Banks industry, placing it in the top 16.7%.
Is Affinity Bancshares' Equity-to-Asset too high?
Affinity Bancshares' current Equity-to-Asset of 0.14 is near median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.24. The Banks industry median Equity-to-Asset is 0.10. Affinity Bancshares' value of 0.14 is 40% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #255 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Affinity Bancshares has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' Equity-to-Asset compare to PONT and FMBM?
According to the Banks industry distribution chart, Affinity Bancshares ranks #255 out of 1525 companies for Equity-to-Asset. This places Affinity Bancshares in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Affinity Bancshares' value of 0.14 is 40% above this benchmark. Historically, Affinity Bancshares' own Equity-to-Asset has ranged from 0.10 to 0.24 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current Equity-to-Asset of 0.14 is 40% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.14. 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 $20.47, compared to a current price of $23.00 — trading 12.4% above its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.14 and 40% above the Banks industry median of 0.10. Affinity Bancshares' overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Equity-to-Asset is 0.14 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 12.4% above its estimated GF Value™ of $20.47.
GuruFocus considers Affinity Bancshares to be Modestly Overvalued.
Key valuation signals for AFBI:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.14)
GF Value™: $20.47 vs. price of $23.00 (12.4% above fair value)
Industry Position: 40% above the Banks median (#255 of 1525)
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.
68GF Score
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