AFBI (Affinity Bancshares) Preferred Stock: $0.00 Mil (As of Mar. 2026)


AFBI Affinity Bancshares Inc AFBI
65 GF Score
Price $22.63
GF Value $20.42
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Affinity Bancshares Preferred Stock?

Affinity Bancshares AFBI +0.22% 65 Preferred Stock is $0.00 Mil as of Mar. 2026. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.42 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Preferred stock is a special equity security that has properties of both equity and debt. Affinity Bancshares's preferred stock for the quarter that ended in Mar. 2026 was $0.00 Mil.

The market value of preferred stock needs to be added to the market value of common stocks in the calculation of Enterprise Value. Affinity Bancshares's Enterprise Value for the quarter that ended in Mar. 2026 was $83.99 Mil.

In the calculation of book value, the par value of preferred stocks needs to subtracted from total equity. Affinity Bancshares's Book Value per Share for the quarter that ended in Mar. 2026 was $21.24.

Dividends paid to preferred stocks need to be subtracted from net income in the calculation of Earnings per Share (Diluted). Affinity Bancshares's Earnings per Share (Diluted) for the three months ended in Mar. 2026 was $0.36.


Affinity Bancshares  (NAS:AFBI) Preferred Stock Explanation

When a company needs capital but does not wish to issue debt, they may sell preferred stocks to investors.

For instance, during the financial crisis of 2008, Goldman Sachs (GS) issued a combination of preferred stock and common stock options for $5 billion of capital to Warren Buffett’s Berkshire Hathaway (BRK.A)(BRK.B). In this deal, Berkshire Hathaway paid $5 billion for 10% cumulative perpetual preferred stock and warrants to buy 43.5 million shares of Goldman Sachs at $115 a share. Goldman Sachs bought back the preferred in 2010. Guess how much money Warren Buffett made in this deal in two years? Read How Much Did Warren Buffett’s Berkshire Hathaway (BRK.B) Make on Its Goldman Sachs (GS) Preferred Stock?

1. The market value of Preferred Stocks needs to be added to the market value of common stocks in the calculation of enterprise value.

Affinity Bancshares's Enterprise Value for the quarter that ended in Mar. 2026 is calculated as

2. In the calculation of Book Value, the par value of Preferred Stocks needs to subtracted from total equity.

Affinity Bancshares's Book Value per Share for the quarter that ended in Mar. 2026 is calculated as

3. Dividends paid to Preferred Stocks need to be subtracted from net income in the calculation of earnings per share.

Affinity Bancshares's Earnings per Share (Diluted) (EPS) for the three months ended in Mar. 2026 is calculated as

* 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 Preferred Stock Related Terms


Affinity Bancshares Preferred Stock Historical Data

* Premium members only.

The historical data trend for Affinity Bancshares's Preferred Stock 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.

Affinity Bancshares Preferred Stock Chart

Affinity Bancshares Annual Data
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Affinity Bancshares Quarterly Data
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AFBI
65GF Score
Affinity Bancshares Inc AFBI
Preferred Stock is just one metric. See GF Score™, valuation, warning signs, and more.
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Affinity Bancshares Preferred Stock Calculation

Preferred Stock is a special equity security that has properties of both equity and debt. It is generally considered a hybrid instrument. Preferred stock is senior to common stock, but is subordinate to bonds in terms of claim or rights to their share of the assets of the company.

Preferred stock has priority over common stock in the payment of dividends and any payments received when a company liquidates.

Preferred stock comes in many forms. It can be:


Convertible or Non-Convertible
Cumulative or Non-Cumulative
Voting or Non-Voting
Callable or Non-Callable
Maturity Date or No Maturity Date

A preferred stock without a maturity date is called a perpetual preferred stock. These are relatively rare. A good example of perpetual preferred stock is the many series of Public Storage (PSA) preferred shares that trade on the New York Stock Exchange.

Before investing in preferred stock, it is important to know which of the above groups the stock belongs to. Is it convertible or non-convertible? Are dividends cumulative or non-cumulative?

It is also critical that an investor knows what bonds the company has in front of the preferred stock. Bondholders get paid first. So the decision to buy a preferred stock can be similar to the decision to buy a bond. But, remember, the preferred stock of a company with bonds is junior to those bonds.

Unless a preferred stock is convertible, the upside in a preferred stock investment is more limited than in a common stock investment. If a company doubles its earnings, it is usually under no more obligation to double the dividends paid to preferred shareholders than it is to double the interest paid to its bankers and bondholders.So preferred stock is very different from common stock.

Frequently Asked Questions Learn more about Preferred Stock →
What does a Preferred Stock of $0.00 Mil mean?
Affinity Bancshares (AFBI) has a Preferred Stock of $0.00 Mil as of Mar. 2026. Preferred Stock represents the par value of a company's preferred shares. View historical data on Affinity Bancshares and its competitors.
Is Affinity Bancshares' Preferred Stock too high?
Affinity Bancshares' current Preferred Stock is $0.00 Mil. 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' Preferred Stock compare to LSBK and DIMC?
Affinity Bancshares' Preferred Stock of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Preferred Stock for a Banks company?
A good Preferred Stock depends on the Banks industry context. However, Preferred Stock 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 Preferred Stock mean?
A high Preferred Stock can signal that a stock is expensive relative to its fundamentals. Preferred Stock represents the par value of a company's preferred shares. View historical data on Affinity Bancshares and its competitors. Affinity Bancshares's current Preferred Stock is $0.00 Mil. 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 $20.42, compared to a current price of $22.63 — trading 10.8% above its estimated fair value. The current Preferred Stock is $0.00 Mil. 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 Preferred Stock calculated?
Preferred Stock is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Preferred Stock is $0.00 Mil 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 (AFBI) Overvalued in 2026?

Based on GuruFocus' analysis, Affinity Bancshares stock appears to be overvalued. The current stock price of $22.63 is trading 10.8% above its estimated GF Value™ of $20.42. GuruFocus considers Affinity Bancshares to be Modestly Overvalued.

Key valuation signals for AFBI:

  • Preferred Stock: $0.00 Mil
  • GF Value™: $20.42 vs. price of $22.63 (10.8% 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

Get the complete analysis for AFBI

Preferred Stock is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.63
Price
$20.42
GF Value