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


FRA:5610 Affinity Bancshares Inc FRA:5610
65 GF Score
Price €18.10
GF Value €16.35
! 4 Warning Signs
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What is Affinity Bancshares ROC %?

Affinity Bancshares FRA:5610 -10.40% 65 ROC % is % as of Mar. 2026. GuruFocus rates FRA:5610 with a GF Score™ of 65/100 and a GF Value™ of €16.35. The stock has 4 warning signs investors should review.

ROC %does not apply to banks.

FRA:5610
65GF Score
Affinity Bancshares Inc FRA:5610
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 (FRA:5610) 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 65/100, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' ROC % compare to DIMC and SBFG?
Affinity Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. 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 1.98, based on 48 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 1.98 — 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?
Affinity Bancshares (FRA:5610) has a current ROC % of %. The stock's GF Value™ is €16.35, compared to a current price of €18.10 — trading 10.7% above its estimated fair value. The current ROC % 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 % calculated?
ROC % is calculated from a company's financial statements. For Affinity Bancshares (FRA:5610), 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 (FRA:5610) Overvalued in 2026?

Based on GuruFocus' analysis, Affinity Bancshares stock appears to be overvalued. The current stock price of €18.10 is trading 10.7% above its estimated GF Value™ of €16.35.

Key valuation signals for FRA:5610:

  • ROC %: %
  • GF Value™: €16.35 vs. price of €18.10 (10.7% 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

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

€18.10
Price
€16.35
GF Value