Affinity BancsharesAFBI 65 PS Ratio is 4.32 as of Jun. 29, 2026, which is 28% above its 10-year median of 3.38. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.41 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Affinity Bancshares ranks worse than 76.23% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Affinity Bancshares's share price is $22.59.
Affinity Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $5.23. Hence, Affinity Bancshares's PS Ratio for today is 4.32.
Warning Sign:
Affinity Bancshares Inc stock PS Ratio (=4.32) is close to 10-year high of 4.76.
The historical rank and industry rank for Affinity Bancshares's PS Ratio or its related term are showing as below:
AFBI'
s PS Ratio Range Over the Past 10 Years
Min: 2.53 Med: 3.38 Max: 4.76
Current: 4.31
During the past 7 years, Affinity Bancshares's highest PS Ratio was 4.76. The lowest was 2.53. And the median was 3.38.
AFBI's PS Ratio is ranked worse than 76.23% of 1519
companies
in the Banks industry
Industry Median: 2.97
vs AFBI: 4.31
During the past 12 months, the average Revenue per Share Growth Rate of Affinity Bancshares was 8.70% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 2.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 4.00% per year.
During the past 7 years, Affinity Bancshares's highest 3-Year average Revenue per Share Growth Rate was 31.60% per year. The lowest was 1.10% per year. And the median was 3.65% per year.
Back to Basics: PS Ratio
Affinity Bancshares (NAS:AFBI) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Affinity Bancshares PS Ratio Related Terms
Affinity Bancshares PS Ratio Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's PS 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.
For the Banks - Regional subindustry, Affinity Bancshares's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's PS Ratio distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Affinity Bancshares's Share Price of today is $22.59. Affinity Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.23.
* 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.
It can also be calculated from the numbers for the whole company:
Affinity Bancshares (AFBI) has a PS Ratio of 4.32 as of Jun. 29, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Affinity Bancshares and its competitors. This is 28% above median its historical median of 3.38. Over the past decade, Affinity Bancshares' PS Ratio has ranged from 2.53 to 4.76. According to the industry distribution chart, Affinity Bancshares ranks #1158 out of 1519 companies in the Banks industry, placing it in the top 76.2%.
Is Affinity Bancshares' PS Ratio too high?
Affinity Bancshares' current PS Ratio of 4.32 is 28% above median its 10-year median of 3.38. Over the past 10 years, this metric has ranged from a low of 2.53 to a high of 4.76. The Banks industry median PS Ratio is 2.97. Affinity Bancshares' value of 4.32 is 45.5% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #1158 out of 1519 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' PS Ratio compare to LSBK and DIMC?
According to the Banks industry distribution chart, Affinity Bancshares ranks #1158 out of 1519 companies for PS Ratio. This places Affinity Bancshares in the lower half of its industry. The industry median PS Ratio is 2.97. Affinity Bancshares' value of 4.32 is 45.5% above this benchmark. Historically, Affinity Bancshares' own PS Ratio has ranged from 2.53 to 4.76 over the past decade. While the company's 10-year median is 3.38 vs. the industry median of 2.97, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.97, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current PS Ratio of 4.32 is 45.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median PS Ratio is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current PS Ratio is 4.32, which is 28% above median its own 10-year median of 3.38. 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 $20.41, compared to a current price of $22.59 — trading 10.7% above its estimated fair value. The current PS Ratio is 4.32, which is 28% above median its 10-year median of 3.38 and 45.5% above the Banks industry median of 2.97. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current PS Ratio is 4.32 as of Jun. 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 $22.59 is trading 10.7% above its estimated GF Value™ of $20.41.
GuruFocus considers Affinity Bancshares to be Modestly Overvalued.
Key valuation signals for AFBI:
PS Ratio: 4.32 (28% above median its 10-year median of 3.38)
GF Value™: $20.41 vs. price of $22.59 (10.7% above fair value)
Industry Position: 45.5% above the Banks median (#1158 of 1519)
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
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