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* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Affinity Bancshares's PEG Ratio or its related term are showing as below:
FRA:5610'
s PEG Ratio Range Over the Past 10 Years
Min: 1.52 Med: 3.36 Max: 3.41
Current: 1.52
During the past 7 years, Affinity Bancshares's highest PEG Ratio was 3.41. The lowest was 1.52. And the median was 3.36.
FRA:5610's PEG Ratio is ranked better than 50.65% of 1230
companies
in the Banks industry
Industry Median: 1.53
vs FRA:5610: 1.52
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Affinity Bancshares (FRA:5610) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Affinity Bancshares PEG Ratio Related Terms
Affinity Bancshares PEG Ratio Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's PEG Ratio 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 LSBK, DIMC, CMRB: PEG Ratio Comparison
For the Banks - Regional subindustry, Affinity Bancshares's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Affinity Bancshares (FRA:5610) has a PEG Ratio of 1.38 as of Jul. 14, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Affinity Bancshares and its competitors. This is 59% below median its historical median of 3.36. Over the past decade, Affinity Bancshares' PEG Ratio has ranged from 1.52 to 3.41. According to the industry distribution chart, Affinity Bancshares ranks #607 out of 1230 companies in the Banks industry, placing it in the top 49.3%.
Is Affinity Bancshares' PEG Ratio too high?
Affinity Bancshares' current PEG Ratio of 1.38 is 59% below median its 10-year median of 3.36. Over the past 10 years, this metric has ranged from a low of 1.52 to a high of 3.41. The Banks industry median PEG Ratio is 1.53. Affinity Bancshares' value of 1.38 is 9.8% below this industry median. Based on the distribution chart, Affinity Bancshares ranks #607 out of 1230 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' PEG Ratio compare to LSBK and DIMC?
According to the Banks industry distribution chart, Affinity Bancshares ranks #607 out of 1230 companies for PEG Ratio. This puts Affinity Bancshares in the upper half of its industry. The industry median PEG Ratio is 1.53. Affinity Bancshares' value of 1.38 is 9.8% below this benchmark. Historically, Affinity Bancshares' own PEG Ratio has ranged from 1.52 to 3.41 over the past decade. While the company's 10-year median is 3.36 vs. the industry median of 1.53, Affinity Bancshares has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current PEG Ratio of 1.38 is 9.8% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current PEG Ratio is 1.38, which is 59% below median its own 10-year median of 3.36. 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 PEG Ratio of 1.38. The stock's GF Value™ is €15.89, compared to a current price of €17.60 — trading 10.8% above its estimated fair value. The current PEG Ratio is 1.38, which is 59% below median its 10-year median of 3.36 and 9.8% below the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Affinity Bancshares (FRA:5610), the current PEG Ratio is 1.38 as of Jul. 14, 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 €17.60 is trading 10.8% above its estimated GF Value™ of €15.89.
Key valuation signals for FRA:5610:
PEG Ratio: 1.38 (59% below median its 10-year median of 3.36)
GF Value™: €15.89 vs. price of €17.60 (10.8% above fair value)
Industry Position: 9.8% below the Banks median (#607 of 1230)
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
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