Affinity BancsharesAFBI -0.09%65 FCF Margin % is 53.69% as of Mar. 2026, which is 163% above its 10-year median of 20.43. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.41 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Affinity Bancshares ranks better than 70.08% on this metric.
The historical rank and industry rank for Affinity Bancshares's FCF Margin % or its related term are showing as below:
AFBI'
s FCF Margin % Range Over the Past 10 Years
Min: 3.41 Med: 20.43 Max: 41.38
Current: 41.38
During the past 7 years, the highest FCF Margin % of Affinity Bancshares was 41.38%. The lowest was 3.41%. And the median was 20.43%.
AFBI's FCF Margin % is ranked better than 70.08% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs AFBI: 41.38
Affinity Bancshares FCF Margin % Related Terms
Affinity Bancshares FCF Margin % Historical Data
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The historical data trend for Affinity Bancshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's FCF Margin % falls into.
* 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 FCF Margin % of 53.69% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Affinity Bancshares and its competitors. This is 163% above median its historical median of 20.43. Over the past decade, Affinity Bancshares' FCF Margin % has ranged from 3.41 to 41.38. According to the industry distribution chart, Affinity Bancshares ranks #450 out of 1504 companies in the Banks industry, placing it in the top 29.9%.
Is Affinity Bancshares' FCF Margin % too high?
Affinity Bancshares' current FCF Margin % of 53.69% is 163% above median its 10-year median of 20.43. Over the past 10 years, this metric has ranged from a low of 3.41 to a high of 41.38. The Banks industry median FCF Margin % is 26.50. Affinity Bancshares' value of 53.69% is 102.6% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #450 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Affinity Bancshares has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' FCF Margin % compare to DIMC and SBFG?
According to the Banks industry distribution chart, Affinity Bancshares ranks #450 out of 1504 companies for FCF Margin %. This puts Affinity Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.50. Affinity Bancshares' value of 53.69% is 102.6% above this benchmark. Historically, Affinity Bancshares' own FCF Margin % has ranged from 3.41 to 41.38 over the past decade. While the company's 10-year median is 20.43 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current FCF Margin % of 53.69% is 102.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current FCF Margin % is 53.69%, which is 163% above median its own 10-year median of 20.43. 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 Fairly Valued. The stock's GF Value™ is $20.41, compared to a current price of $22.55 — trading 10.5% above its estimated fair value. The current FCF Margin % is 53.69%, which is 163% above median its 10-year median of 20.43 and 102.6% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current FCF Margin % is 53.69% 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 $22.55 is trading 10.5% above its estimated GF Value™ of $20.41.
GuruFocus considers Affinity Bancshares to be Fairly Valued.
Key valuation signals for AFBI:
FCF Margin %: 53.69% (163% above median its 10-year median of 20.43)
GF Value™: $20.41 vs. price of $22.55 (10.5% above fair value)
Industry Position: 102.6% above the Banks median (#450 of 1504)
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.
65GF Score
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