AFBI (Affinity Bancshares) ROC %: % (As of Mar. 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

AFBI Affinity Bancshares Inc AFBI
68 GF Score
Price $23.00
GF Value $20.47
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Affinity Bancshares ROC %?

Affinity Bancshares AFBI +0.02% 68 ROC % is % as of Mar. 2026. GuruFocus rates AFBI with a GF Score™ of 68/100 and a GF Value™ of $20.47 (Modestly Overvalued). The stock has 4 warning signs investors should review.

ROC %does not apply to banks.

AFBI
68GF Score
Affinity Bancshares Inc AFBI
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Affinity Bancshares (AFBI) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Affinity Bancshares and its competitors.
Is Affinity Bancshares' ROC % too high?
Affinity Bancshares' current ROC % is %. Overall, Affinity Bancshares has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' ROC % compare to PONT and FMBM?
Affinity Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current ROC % 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?
Based on GuruFocus' analysis, Affinity Bancshares (AFBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.47, compared to a current price of $23.00 — trading 12.4% above its estimated fair value. The current ROC % is %. Affinity Bancshares' overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current ROC % 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 (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 $20.47. GuruFocus considers Affinity Bancshares to be Modestly Overvalued.

Key valuation signals for AFBI:

  • ROC %: %
  • GF Value™: $20.47 vs. price of $23.00 (12.4% above fair value)
  • GF Score™: 68/100 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.
68GF Score

Get the complete analysis for AFBI

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

$23.00
Price
$20.47
GF Value