Affinity Bancshares (FRA:5610) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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FRA:5610 Affinity Bancshares Inc FRA:5610
65 GF Score
Price €20.00
GF Value €17.80
! 4 Warning Signs
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What is Affinity Bancshares ROC (Joel Greenblatt) %?

Affinity Bancshares FRA:5610 65 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates FRA:5610 with a GF Score™ of 65/100 and a GF Value™ of €17.80. The stock has 4 warning signs investors should review. Among 46 Banks companies, Affinity Bancshares ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:5610
65GF Score
Affinity Bancshares Inc FRA:5610
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Affinity Bancshares (FRA:5610) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Affinity Bancshares and its competitors. According to the industry distribution chart, Affinity Bancshares ranks #999999 out of 46 companies in the Banks industry.
Is Affinity Bancshares' ROC (Joel Greenblatt) % too high?
Affinity Bancshares' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Affinity Bancshares ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Affinity Bancshares has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' ROC (Joel Greenblatt) % compare to PONT and FMBM?
According to the Banks industry distribution chart, Affinity Bancshares ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Affinity Bancshares in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current ROC (Joel Greenblatt) % is %. 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?
Affinity Bancshares (FRA:5610) has a current ROC (Joel Greenblatt) % of %. The stock's GF Value™ is €17.80, compared to a current price of €20.00 — trading 12.4% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Affinity Bancshares (FRA:5610), the current ROC (Joel Greenblatt) % is % 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 (FRA:5610) Overvalued in 2026?

Based on GuruFocus' analysis, Affinity Bancshares stock appears to be overvalued. The current stock price of €20.00 is trading 12.4% above its estimated GF Value™ of €17.80.

Key valuation signals for FRA:5610:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €17.80 vs. price of €20.00 (12.4% above fair value)
  • GF Score™: 65/100 with 4 warning signs

No single metric tells the full story. See the FRA:5610 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Affinity Bancshares Business Description

Other Exchanges AFBI:USA
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.
65GF Score

Get the complete analysis for FRA:5610

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.00
Price
€17.80
GF Value