AFBI (Affinity Bancshares) Moat Score: 3/10 (As of Jun. 28, 2026)


AFBI Affinity Bancshares Inc AFBI
65 GF Score
Price $22.60
GF Value $20.41
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Affinity Bancshares Moat Score?

Affinity Bancshares AFBI +0.22% 65 Moat Score is 3 as of Jun. 28, 2026. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.41 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,610 Banks companies, Affinity Bancshares ranks better than 74.41% on this metric.

Affinity Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Affinity Bancshares has No Moat: Affinity Bancshares Inc has weak competitive advantages with limited market leadership and brand strength. It lacks significant customer loyalty, cost advantages, or regulatory barriers, resulting in a weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Affinity Bancshares might have No Moat - Very weak/transient advantages.

Affinity Bancshares  (NAS:AFBI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Affinity Bancshares Moat Score Related Terms

AFBI vs DIMC, SBFG, TYCB: Moat Score Comparison

For the Banks - Regional subindustry, Affinity Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Affinity Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Affinity Bancshares's Moat Score falls into.


AFBI
65GF Score
Affinity Bancshares Inc AFBI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Affinity Bancshares (AFBI) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Affinity Bancshares ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is Affinity Bancshares' Moat Score too high?
Affinity Bancshares' current Moat Score is 3. Based on the distribution chart, Affinity Bancshares ranks #412 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, Affinity Bancshares has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' Moat Score compare to DIMC and SBFG?
According to the Banks industry distribution chart, Affinity Bancshares ranks #412 out of 1610 companies for Moat Score. This puts Affinity Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Affinity Bancshares's current Moat Score is 3. 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 $20.41, compared to a current price of $22.60 — trading 10.7% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Moat Score is 3 as of Jun. 28, 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 $22.60 is trading 10.7% above its estimated GF Value™ of $20.41. GuruFocus considers Affinity Bancshares to be Modestly Overvalued.

Key valuation signals for AFBI:

  • Moat Score: 3
  • GF Value™: $20.41 vs. price of $22.60 (10.7% above fair value)
  • GF Score™: 65/100 with 4 warning signs

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 Business Description

Address 3175 Highway 278, Covington, GA, USA, 30014
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.60
Price
$20.41
GF Value