Affinity BancsharesAFBI -0.04%65 Return-on-Tangible-Asset is 1.03% as of Mar. 2026, which is 27% above its 10-year median of 0.81. 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 1,527 Banks companies, Affinity Bancshares ranks worse than 50.43% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Affinity Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $9.14 Mil. Affinity Bancshares's average total tangible assets for the quarter that ended in Mar. 2026 was $885.23 Mil. Therefore, Affinity Bancshares's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.03%.
The historical rank and industry rank for Affinity Bancshares's Return-on-Tangible-Asset or its related term are showing as below:
AFBI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.81 Max: 0.98
Current: 0.98
During the past 7 years, Affinity Bancshares's highest Return-on-Tangible-Asset was 0.98%. The lowest was 0.11%. And the median was 0.81%.
AFBI's Return-on-Tangible-Asset is ranked worse than 50.43% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs AFBI: 0.98
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Affinity Bancshares Return-on-Tangible-Asset Related Terms
Affinity Bancshares Return-on-Tangible-Asset Historical Data
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The historical data trend for Affinity Bancshares's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Affinity Bancshares's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.03% mean?
Affinity Bancshares (AFBI) has a Return-on-Tangible-Asset of 1.03% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Affinity Bancshares and its competitors. This is 27% above median its historical median of 0.81. Over the past decade, Affinity Bancshares' Return-on-Tangible-Asset has ranged from 0.11 to 0.98. According to the industry distribution chart, Affinity Bancshares ranks #770 out of 1527 companies in the Banks industry, placing it in the top 50.4%.
Is Affinity Bancshares' Return-on-Tangible-Asset too high?
Affinity Bancshares' current Return-on-Tangible-Asset of 1.03% is 27% above median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.98. The Banks industry median Return-on-Tangible-Asset is 0.99. Affinity Bancshares' value of 1.03% is 4% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #770 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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' Return-on-Tangible-Asset compare to LSBK and DIMC?
According to the Banks industry distribution chart, Affinity Bancshares ranks #770 out of 1527 companies for Return-on-Tangible-Asset. This places Affinity Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Affinity Bancshares' value of 1.03% is 4% above this benchmark. Historically, Affinity Bancshares' own Return-on-Tangible-Asset has ranged from 0.11 to 0.98 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current Return-on-Tangible-Asset of 1.03% is 4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current Return-on-Tangible-Asset is 1.03%, which is 27% above median its own 10-year median of 0.81. 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 Return-on-Tangible-Asset is 1.03%, which is 27% above median its 10-year median of 0.81 and 4% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Return-on-Tangible-Asset is 1.03% 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 $22.65 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:
Return-on-Tangible-Asset: 1.03% (27% above median its 10-year median of 0.81)
GF Value™: $20.43 vs. price of $22.65 (10.9% above fair value)
Industry Position: 4% above the Banks median (#770 of 1527)
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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