Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-29), Affinity Bancshares's 3-1 Month Momentum % is 0.71%.
The industry rank for Affinity Bancshares's 3-1 Month Momentum % or its related term are showing as below:
AFBI's 3-1 Month Momentum % is ranked worse than 56.97% of 1571
companies
in the Banks industry
Industry Median: 2.44
vs AFBI: 0.71
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Affinity Bancshares 3-1 Month Momentum % Related Terms
AFBI vs PONT, FMBM, CBBI: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Affinity Bancshares's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's 3-1 Month Momentum % 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 3-1 Month Momentum % of 0.71% as of Jul. 29, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Affinity Bancshares and its competitors. According to the industry distribution chart, Affinity Bancshares ranks #895 out of 1571 companies in the Banks industry, placing it in the top 57%.
Is Affinity Bancshares' 3-1 Month Momentum % too high?
Affinity Bancshares' current 3-1 Month Momentum % is 0.71%. The Banks industry median 3-1 Month Momentum % is 2.44. Affinity Bancshares' value of 0.71% is 70.9% below this industry median. Based on the distribution chart, Affinity Bancshares ranks #895 out of 1571 companies in the Banks industry, which is below 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' 3-1 Month Momentum % compare to PONT and FMBM?
According to the Banks industry distribution chart, Affinity Bancshares ranks #895 out of 1571 companies for 3-1 Month Momentum %. This places Affinity Bancshares in the lower half of its industry. The industry median 3-1 Month Momentum % is 2.44. Affinity Bancshares' value of 0.71% is 70.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.44, based on 1,571 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current 3-1 Month Momentum % of 0.71% is 70.9% below 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 2.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current 3-1 Month Momentum % is 0.71%. 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 $20.45, compared to a current price of $22.99 — trading 12.4% above its estimated fair value. The current 3-1 Month Momentum % is 0.71% and 70.9% below the Banks industry median of 2.44. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current 3-1 Month Momentum % is 0.71% as of Jul. 29, 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 $22.99 is trading 12.4% above its estimated GF Value™ of $20.45.
GuruFocus considers Affinity Bancshares to be Modestly Overvalued.
Key valuation signals for AFBI:
3-1 Month Momentum %: 0.71%
GF Value™: $20.45 vs. price of $22.99 (12.4% above fair value)
Industry Position: 70.9% below the Banks median (#895 of 1571)
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
Get the complete analysis for AFBI
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AFBI has been successfully added to your 
