Affinity BancsharesAFBI -0.04%65 Peter Lynch Fair Value is $14.30 as of Jul. 11, 2026, which is 522% above its 10-year median of 2.30. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.43 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 871 Banks companies, Affinity Bancshares ranks worse than 114810.45% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Affinity Bancshares's PEG is 1. Affinity Bancshares's 5-Year TTM Book Value Growth Rate is 10.
Affinity Bancshares's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $1.43. Therefore, the Peter Lynch Fair Value for today is $14.30.
The historical rank and industry rank for Affinity Bancshares's Peter Lynch Fair Value or its related term are showing as below:
During the past 7 years, the highest Price to Peter Lynch Fair Value Ratio of Affinity Bancshares was 2.30. The lowest was 2.30. And the median was 2.30.
AFBI's Price-to-Peter-Lynch-Fair-Value is not ranked *
in the Banks industry.
Industry Median: 1.11 * Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Affinity Bancshares (NAS:AFBI) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 10 instead of 15 in this case.
Affinity Bancshares's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
22.65
/
14.30
=
1.58
* 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 Peter Lynch Fair Value Related Terms
Affinity Bancshares Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's Peter Lynch Fair Value 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.
AFBI vs LSBK, DIMC, CMRB: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Affinity Bancshares's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's Price-to-Peter-Lynch-Fair-Value falls into.
Affinity Bancshares's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was $1.43.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $14.30 mean?
Affinity Bancshares (AFBI) has a Peter Lynch Fair Value of $14.30 as of Jul. 11, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Affinity Bancshares and its competitors. This is 522% above median its historical median of 2.30. Over the past decade, Affinity Bancshares' Peter Lynch Fair Value has ranged from 2.30 to 2.30. According to the industry distribution chart, Affinity Bancshares ranks #999999 out of 871 companies in the Banks industry.
Is Affinity Bancshares' Peter Lynch Fair Value too high?
Affinity Bancshares' current Peter Lynch Fair Value of $14.30 is 522% above median its 10-year median of 2.30. Over the past 10 years, this metric has ranged from a low of 2.30 to a high of 2.30. The Banks industry median Peter Lynch Fair Value is 1.11. Affinity Bancshares' value of $14.30 is 1188.3% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #999999 out of 871 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Peter Lynch Fair Value compare to LSBK and DIMC?
According to the Banks industry distribution chart, Affinity Bancshares ranks #999999 out of 871 companies for Peter Lynch Fair Value. This places Affinity Bancshares in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.11. Affinity Bancshares' value of $14.30 is 1188.3% above this benchmark. Historically, Affinity Bancshares' own Peter Lynch Fair Value has ranged from 2.30 to 2.30 over the past decade. While the company's 10-year median is 2.30 vs. the industry median of 1.11, 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 Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.11, based on 871 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current Peter Lynch Fair Value of $14.30 is 1188.3% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current Peter Lynch Fair Value is $14.30, which is 522% above median its own 10-year median of 2.30. 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 $20.43, compared to a current price of $22.65 — trading 10.9% above its estimated fair value. The current Peter Lynch Fair Value is $14.30, which is 522% above median its 10-year median of 2.30 and 1188.3% above the Banks industry median of 1.11. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Peter Lynch Fair Value is $14.30 as of Jul. 11, 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 $22.65 is trading 10.9% above its estimated GF Value™ of $20.43.
GuruFocus considers Affinity Bancshares to be Modestly Overvalued.
Key valuation signals for AFBI:
Peter Lynch Fair Value: $14.30 (522% above median its 10-year median of 2.30)
GF Value™: $20.43 vs. price of $22.65 (10.9% above fair value)
Industry Position: 1188.3% above the Banks median (#999999 of 871)
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
Peter Lynch Fair Value 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 
