The historical rank and industry rank for Affinity Bancshares's OCF Margin % or its related term are showing as below:
FRA:5610'
s OCF Margin % Range Over the Past 10 Years
Min: 5.08 Med: 23.54 Max: 37.09
Current: 42.39
During the past 7 years, the highest OCF Margin % of Affinity Bancshares was 37.09%. The lowest was 5.08%. And the median was 23.54%.
FRA:5610's OCF Margin % is ranked better than 67.95% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs FRA:5610: 42.39
Affinity Bancshares OCF Margin % Related Terms
Affinity Bancshares OCF Margin % Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's OCF 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.
FRA:5610 vs DIMC, SBFG, TYCB: OCF Margin % Comparison
For the Banks - Regional subindustry, Affinity Bancshares's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's OCF 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 (FRA:5610) has a OCF Margin % of 54.25% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Affinity Bancshares and its competitors. This is 130% above median its historical median of 23.54. Over the past decade, Affinity Bancshares' OCF Margin % has ranged from 5.08 to 37.09. According to the industry distribution chart, Affinity Bancshares ranks #481 out of 1501 companies in the Banks industry, placing it in the top 32%.
Is Affinity Bancshares' OCF Margin % too high?
Affinity Bancshares' current OCF Margin % of 54.25% is 130% above median its 10-year median of 23.54. Over the past 10 years, this metric has ranged from a low of 5.08 to a high of 37.09. The Banks industry median OCF Margin % is 29.44. Affinity Bancshares' value of 54.25% is 84.3% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #481 out of 1501 companies in the Banks industry, which is above 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' OCF Margin % compare to DIMC and SBFG?
According to the Banks industry distribution chart, Affinity Bancshares ranks #481 out of 1501 companies for OCF Margin %. This puts Affinity Bancshares in the upper half of its industry. The industry median OCF Margin % is 29.44. Affinity Bancshares' value of 54.25% is 84.3% above this benchmark. Historically, Affinity Bancshares' own OCF Margin % has ranged from 5.08 to 37.09 over the past decade. While the company's 10-year median is 23.54 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current OCF Margin % of 54.25% is 84.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current OCF Margin % is 54.25%, which is 130% above median its own 10-year median of 23.54. 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 OCF Margin % of 54.25%. The stock's GF Value™ is €18.28, compared to a current price of €20.20 — trading 10.5% above its estimated fair value. The current OCF Margin % is 54.25%, which is 130% above median its 10-year median of 23.54 and 84.3% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Affinity Bancshares (FRA:5610), the current OCF Margin % is 54.25% 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 (FRA:5610) Overvalued in 2026?
Based on GuruFocus' analysis, Affinity Bancshares stock appears to be overvalued.
The current stock price of €20.20 is trading 10.5% above its estimated GF Value™ of €18.28.
Key valuation signals for FRA:5610:
OCF Margin %: 54.25% (130% above median its 10-year median of 23.54)
GF Value™: €18.28 vs. price of €20.20 (10.5% above fair value)
Industry Position: 84.3% above the Banks median (#481 of 1501)
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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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