Affinity BancsharesAFBI -0.09%65 FCF Yield % is 10.04 as of Jun. 26, 2026, which is 68% above its 10-year median of 5.97. 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 58.38% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Affinity Bancshares FCF Yield % Related Terms
Affinity Bancshares FCF Yield % Historical Data
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The historical data trend for Affinity Bancshares's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's FCF Yield % 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 Yield % of 10.04 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Affinity Bancshares and its competitors. This is 68% above median its historical median of 5.97. Over the past decade, Affinity Bancshares' FCF Yield % has ranged from 1.11 to 17.96. According to the industry distribution chart, Affinity Bancshares ranks #626 out of 1504 companies in the Banks industry, placing it in the top 41.6%.
Is Affinity Bancshares' FCF Yield % too high?
Affinity Bancshares' current FCF Yield % of 10.04 is 68% above median its 10-year median of 5.97. Over the past 10 years, this metric has ranged from a low of 1.11 to a high of 17.96. The Banks industry median FCF Yield % is 8.24. Affinity Bancshares' value of 10.04 is 21.8% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #626 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 Yield % compare to DIMC and SBFG?
According to the Banks industry distribution chart, Affinity Bancshares ranks #626 out of 1504 companies for FCF Yield %. This puts Affinity Bancshares in the upper half of its industry. The industry median FCF Yield % is 8.24. Affinity Bancshares' value of 10.04 is 21.8% above this benchmark. Historically, Affinity Bancshares' own FCF Yield % has ranged from 1.11 to 17.96 over the past decade. While the company's 10-year median is 5.97 vs. the industry median of 8.24, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current FCF Yield % of 10.04 is 21.8% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current FCF Yield % is 10.04, which is 68% above median its own 10-year median of 5.97. 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 Yield % is 10.04, which is 68% above median its 10-year median of 5.97 and 21.8% above the Banks industry median of 8.24. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current FCF Yield % is 10.04 as of Jun. 26, 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 Yield %: 10.04 (68% above median its 10-year median of 5.97)
GF Value™: $20.41 vs. price of $22.55 (10.5% above fair value)
Industry Position: 21.8% above the Banks median (#626 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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