Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Affinity Bancshares's 3-Year RORE % for the quarter that ended in Mar. 2026 was 14.11%.
The industry rank for Affinity Bancshares's 3-Year RORE % or its related term are showing as below:
AFBI's 3-Year RORE % is ranked better than 58.15% of 1472
companies
in the Banks industry
Industry Median: 9.93
vs AFBI: 14.11
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Affinity Bancshares 3-Year RORE % Related Terms
Affinity Bancshares 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Affinity Bancshares's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Affinity Bancshares's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Affinity Bancshares (AFBI) has a 3-Year RORE % of 14.11 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Affinity Bancshares and its competitors. According to the industry distribution chart, Affinity Bancshares ranks #616 out of 1472 companies in the Banks industry, placing it in the top 41.8%.
Is Affinity Bancshares' 3-Year RORE % too high?
Affinity Bancshares' current 3-Year RORE % is 14.11. The Banks industry median 3-Year RORE % is 9.93. Affinity Bancshares' value of 14.11 is 42.1% above this industry median. Based on the distribution chart, Affinity Bancshares ranks #616 out of 1472 companies in the Banks industry, which is above 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' 3-Year RORE % compare to LSBK and DIMC?
According to the Banks industry distribution chart, Affinity Bancshares ranks #616 out of 1472 companies for 3-Year RORE %. This puts Affinity Bancshares in the upper half of its industry. The industry median 3-Year RORE % is 9.93. Affinity Bancshares' value of 14.11 is 42.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.93, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Affinity Bancshares's current 3-Year RORE % of 14.11 is 42.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current 3-Year RORE % is 14.11. 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 $22.58 — trading 10.6% above its estimated fair value. The current 3-Year RORE % is 14.11 and 42.1% above the Banks industry median of 9.93. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current 3-Year RORE % is 14.11 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 $22.58 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:
3-Year RORE %: 14.11
GF Value™: $20.42 vs. price of $22.58 (10.6% above fair value)
Industry Position: 42.1% above the Banks median (#616 of 1472)
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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