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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Affinity Bancshares's Enterprise Value is €90.31 Mil.
Affinity Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €11.88 Mil. Therefore, Affinity Bancshares's EV-to-FCF for today is 7.60.
The historical rank and industry rank for Affinity Bancshares's EV-to-FCF or its related term are showing as below:
FRA:5610'
s EV-to-FCF Range Over the Past 10 Years
Min: -87.79 Med: 10.81 Max: 29.65
Current: 7.44
During the past 7 years, the highest EV-to-FCF of Affinity Bancshares was 29.65. The lowest was -87.79. And the median was 10.81.
FRA:5610's EV-to-FCF is ranked worse than 53.18% of 1196
companies
in the Banks industry
Industry Median: 6.575
vs FRA:5610: 7.44
EV-to-FCF 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-FCF 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 €19.70.
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 €1.177.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Affinity Bancshares EV-to-FCF Related Terms
Affinity Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's EV-to-FCF 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.
FRA:5610 vs LSBK, DIMC, CMRB: EV-to-FCF Comparison
For the Banks - Regional subindustry, Affinity Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's EV-to-FCF falls into.
Affinity Bancshares's current Enterprise Value is €90.31 Mil.
Affinity Bancshares's Free Cash Flow 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 €11.88 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 (FRA:5610) has a EV-to-FCF of 7.60 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Affinity Bancshares and its competitors. This is 30% below median its historical median of 10.81. According to the industry distribution chart, Affinity Bancshares ranks #636 out of 1196 companies in the Banks industry, placing it in the top 53.2%.
Is Affinity Bancshares' EV-to-FCF too high?
Affinity Bancshares' current EV-to-FCF of 7.60 is 30% below median its 10-year median of 10.81. The Banks industry median EV-to-FCF is 6.58. Affinity Bancshares' value of 7.60 is 15.6% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #636 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, Affinity Bancshares has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' EV-to-FCF compare to LSBK and DIMC?
According to the Banks industry distribution chart, Affinity Bancshares ranks #636 out of 1196 companies for EV-to-FCF. This places Affinity Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.58. Affinity Bancshares' value of 7.60 is 15.6% above this benchmark. While the company's 10-year median is 10.81 vs. the industry median of 6.58, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.58, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current EV-to-FCF of 7.60 is 15.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current EV-to-FCF is 7.60, which is 30% below median its own 10-year median of 10.81. 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?
Affinity Bancshares (FRA:5610) has a current EV-to-FCF of 7.60. The stock's GF Value™ is €17.77, compared to a current price of €19.70 — trading 10.9% above its estimated fair value. The current EV-to-FCF is 7.60, which is 30% below median its 10-year median of 10.81 and 15.6% above the Banks industry median of 6.58. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Affinity Bancshares (FRA:5610), the current EV-to-FCF is 7.60 as of Jul. 15, 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 (FRA:5610) Overvalued in 2026?
Based on GuruFocus' analysis, Affinity Bancshares stock appears to be overvalued.
The current stock price of €19.70 is trading 10.9% above its estimated GF Value™ of €17.77.
Key valuation signals for FRA:5610:
EV-to-FCF: 7.60 (30% below median its 10-year median of 10.81)
GF Value™: €17.77 vs. price of €19.70 (10.9% above fair value)
Industry Position: 15.6% above the Banks median (#636 of 1196)
No single metric tells the full story. See the FRA:5610 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.
65GF Score
Get the complete analysis for FRA:5610
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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