Affinity BancsharesAFBI +0.04%65 Return-on-Tangible-Equity is 8.28% as of Mar. 2026, which is 30% above its 10-year median of 6.39. 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. Among 1,523 Banks companies, Affinity Bancshares ranks worse than 67.89% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Affinity Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $9.14 Mil. Affinity Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $110.28 Mil. Therefore, Affinity Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.28%.
The historical rank and industry rank for Affinity Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
AFBI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.46 Med: 6.39 Max: 9.23
Current: 8.16
During the past 7 years, Affinity Bancshares's highest Return-on-Tangible-Equity was 9.23%. The lowest was 0.46%. And the median was 6.39%.
AFBI's Return-on-Tangible-Equity is ranked worse than 67.89% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs AFBI: 8.16
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Affinity Bancshares Return-on-Tangible-Equity Related Terms
Affinity Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Affinity Bancshares's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, Affinity Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.28% mean?
Affinity Bancshares (AFBI) has a Return-on-Tangible-Equity of 8.28% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Affinity Bancshares and its competitors. This is 30% above median its historical median of 6.39. Over the past decade, Affinity Bancshares' Return-on-Tangible-Equity has ranged from 0.46 to 9.23. According to the industry distribution chart, Affinity Bancshares ranks #1034 out of 1523 companies in the Banks industry, placing it in the top 67.9%.
Is Affinity Bancshares' Return-on-Tangible-Equity too high?
Affinity Bancshares' current Return-on-Tangible-Equity of 8.28% is 30% above median its 10-year median of 6.39. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 9.23. The Banks industry median Return-on-Tangible-Equity is 11.20. Affinity Bancshares' value of 8.28% is 26.1% below this industry median. Based on the distribution chart, Affinity Bancshares ranks #1034 out of 1523 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-Equity compare to LSBK and DIMC?
According to the Banks industry distribution chart, Affinity Bancshares ranks #1034 out of 1523 companies for Return-on-Tangible-Equity. This places Affinity Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Affinity Bancshares' value of 8.28% is 26.1% below this benchmark. Historically, Affinity Bancshares' own Return-on-Tangible-Equity has ranged from 0.46 to 9.23 over the past decade. While the company's 10-year median is 6.39 vs. the industry median of 11.20, Affinity Bancshares has consistently been below 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current Return-on-Tangible-Equity of 8.28% is 26.1% below 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current Return-on-Tangible-Equity is 8.28%, which is 30% above median its own 10-year median of 6.39. 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 $22.59 — trading 10.6% above its estimated fair value. The current Return-on-Tangible-Equity is 8.28%, which is 30% above median its 10-year median of 6.39 and 26.1% below the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current Return-on-Tangible-Equity is 8.28% 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 $22.59 is trading 10.6% above its estimated GF Value™ of $20.42.
GuruFocus considers Affinity Bancshares to be Modestly Overvalued.
Key valuation signals for AFBI:
Return-on-Tangible-Equity: 8.28% (30% above median its 10-year median of 6.39)
GF Value™: $20.42 vs. price of $22.59 (10.6% above fair value)
Industry Position: 26.1% below the Banks median (#1034 of 1523)
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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