AFBI (Affinity Bancshares) Growth Rank: 2 (As of Aug. 04, 2026) — Near Median

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AFBI Affinity Bancshares Inc AFBI
64 GF Score
Price $23.00
GF Value $20.46
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Affinity Bancshares Growth Rank?

Affinity Bancshares AFBI +0.02% 64 Growth Rank is 2 as of Aug. 04, 2026, which is at its 10-year median of 2.00. GuruFocus rates AFBI with a GF Score™ of 64/100 and a GF Value™ of $20.46 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Affinity Bancshares has the Growth Rank of 2.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Affinity Bancshares Growth Rank Related Terms

AFBI vs PONT, FMBM, CBBI: Growth Rank Comparison

For the Banks - Regional subindustry, Affinity Bancshares's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, Affinity Bancshares's Growth Rank distribution charts can be found below:

* The bar in red indicates where Affinity Bancshares's Growth Rank falls into.


AFBI
64GF Score
Affinity Bancshares Inc AFBI
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 2 mean?
Affinity Bancshares (AFBI) has a Growth Rank of 2 as of Aug. 04, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Affinity Bancshares and its competitors. This is near median its historical median of 2.00. Over the past decade, Affinity Bancshares' Growth Rank has ranged from 1.00 to 3.00.
Is Affinity Bancshares' Growth Rank too high?
Affinity Bancshares' current Growth Rank of 2 is near median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 3.00. Overall, Affinity Bancshares has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' Growth Rank compare to PONT and FMBM?
Affinity Bancshares' Growth Rank of 2 can be compared against companies in the Banks industry. Historically, Affinity Bancshares' own Growth Rank has ranged from 1.00 to 3.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Affinity Bancshares and its competitors. Affinity Bancshares's current Growth Rank is 2, which is near median its own 10-year median of 2.00. 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 $20.46, compared to a current price of $23.00 — trading 12.4% above its estimated fair value. The current Growth Rank is 2, which is near median its 10-year median of 2.00. Affinity Bancshares' overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Growth Rank is 2 as of Aug. 04, 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 $23.00 is trading 12.4% above its estimated GF Value™ of $20.46. GuruFocus considers Affinity Bancshares to be Modestly Overvalued.

Key valuation signals for AFBI:

  • Growth Rank: 2 (near median its 10-year median of 2.00)
  • GF Value™: $20.46 vs. price of $23.00 (12.4% above fair value)
  • GF Score™: 64/100 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.
64GF Score

Get the complete analysis for AFBI

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

$23.00
Price
$20.46
GF Value