Affinity BancsharesAFBI -0.09%65 ROA % is 1.01% as of Mar. 2026, which is 28% above its 10-year median of 0.79. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.41 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,528 Banks companies, Affinity Bancshares ranks worse than 51.44% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Affinity Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $9.14 Mil.
Affinity Bancshares's average Total Assets over the quarter that ended in Mar. 2026 was $903.19 Mil. Therefore, Affinity Bancshares's annualized ROA % for the quarter that ended in Mar. 2026 was 1.01%.
The historical rank and industry rank for Affinity Bancshares's ROA % or its related term are showing as below:
AFBI'
s ROA % Range Over the Past 10 Years
Min: 0.11 Med: 0.79 Max: 0.96
Current: 0.96
During the past 7 years, Affinity Bancshares's highest ROA % was 0.96%. The lowest was 0.11%. And the median was 0.79%.
AFBI's ROA % is ranked worse than 51.44% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs AFBI: 0.96
Affinity Bancshares (NAS:AFBI) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Affinity Bancshares ROA % Related Terms
Affinity Bancshares ROA % Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's ROA % distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Affinity Bancshares (AFBI) has a ROA % of 1.01% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Affinity Bancshares and its competitors. This is 28% above median its historical median of 0.79. Over the past decade, Affinity Bancshares' ROA % has ranged from 0.11 to 0.96. According to the industry distribution chart, Affinity Bancshares ranks #786 out of 1528 companies in the Banks industry, placing it in the top 51.4%.
Is Affinity Bancshares' ROA % too high?
Affinity Bancshares' current ROA % of 1.01% is 28% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.96. The Banks industry median ROA % is 0.98. Affinity Bancshares' value of 1.01% is 3.1% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #786 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Affinity Bancshares has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' ROA % compare to DIMC and SBFG?
According to the Banks industry distribution chart, Affinity Bancshares ranks #786 out of 1528 companies for ROA %. This places Affinity Bancshares in the lower half of its industry. The industry median ROA % is 0.98. Affinity Bancshares' value of 1.01% is 3.1% above this benchmark. Historically, Affinity Bancshares' own ROA % has ranged from 0.11 to 0.96 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current ROA % of 1.01% is 3.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current ROA % is 1.01%, which is 28% above median its own 10-year median of 0.79. 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 Fairly Valued. The stock's GF Value™ is $20.41, compared to a current price of $22.55 — trading 10.5% above its estimated fair value. The current ROA % is 1.01%, which is 28% above median its 10-year median of 0.79 and 3.1% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current ROA % is 1.01% 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 $22.55 is trading 10.5% above its estimated GF Value™ of $20.41.
GuruFocus considers Affinity Bancshares to be Fairly Valued.
Key valuation signals for AFBI:
ROA %: 1.01% (28% above median its 10-year median of 0.79)
GF Value™: $20.41 vs. price of $22.55 (10.5% above fair value)
Industry Position: 3.1% above the Banks median (#786 of 1528)
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
Get the complete analysis for AFBI
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AFBI has been successfully added to your 
