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.
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.
Affinity BancsharesAFBI +0.02%66 3-Year Share Buyback Ratio is 2.60 as of Mar. 2026, which is 13% above its 10-year median of 2.30. GuruFocus rates AFBI with a GF Score™ of 66/100 and a GF Value™ of $20.48 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,041 Banks companies, Affinity Bancshares ranks better than 91.07% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Affinity Bancshares's current 3-Year Share Buyback Ratio was 2.60%.
The historical rank and industry rank for Affinity Bancshares's 3-Year Share Buyback Ratio or its related term are showing as below:
AFBI'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: 1.3 Med: 2.3 Max: 2.6
Current: 2.6
During the past 7 years, Affinity Bancshares's highest 3-Year Share Buyback Ratio was 2.60%. The lowest was 1.30%. And the median was 2.30%.
AFBI's 3-Year Share Buyback Ratio is ranked better than 91.07% of 1041
companies
in the Banks industry
Industry Median: -0.2
vs AFBI: 2.60
Affinity Bancshares (NAS:AFBI) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Affinity Bancshares 3-Year Share Buyback Ratio Related Terms
AFBI vs PONT, FMBM, CBBI: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Affinity Bancshares's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's 3-Year Share Buyback Ratio falls into.
Affinity Bancshares 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 2.60 mean?
Affinity Bancshares (AFBI) has a 3-Year Share Buyback Ratio of 2.60 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Affinity Bancshares and its competitors. This is 13% above median its historical median of 2.30. Over the past decade, Affinity Bancshares' 3-Year Share Buyback Ratio has ranged from 1.30 to 2.60. According to the industry distribution chart, Affinity Bancshares ranks #93 out of 1041 companies in the Banks industry, placing it in the top 8.9%.
Is Affinity Bancshares' 3-Year Share Buyback Ratio too high?
Affinity Bancshares' current 3-Year Share Buyback Ratio of 2.60 is 13% above median its 10-year median of 2.30. Over the past 10 years, this metric has ranged from a low of 1.30 to a high of 2.60. Based on the distribution chart, Affinity Bancshares ranks #93 out of 1041 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Affinity Bancshares has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Affinity Bancshares' 3-Year Share Buyback Ratio compare to PONT and FMBM?
According to the Banks industry distribution chart, Affinity Bancshares ranks #93 out of 1041 companies for 3-Year Share Buyback Ratio. This places Affinity Bancshares in the top 9% of its industry — outperforming the majority of peers. Historically, Affinity Bancshares' own 3-Year Share Buyback Ratio has ranged from 1.30 to 2.60 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Affinity Bancshares and its competitors. Affinity Bancshares's current 3-Year Share Buyback Ratio is 2.60, which is 13% above median its own 10-year median of 2.30. 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 $20.48, compared to a current price of $23.00 — trading 12.3% above its estimated fair value. The current 3-Year Share Buyback Ratio is 2.60, which is 13% above median its 10-year median of 2.30. Affinity Bancshares' overall GF Score™ is 66/100 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 Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current 3-Year Share Buyback Ratio is 2.60 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 12.3% above its estimated GF Value™ of $20.48.
GuruFocus considers Affinity Bancshares to be Modestly Overvalued.
Key valuation signals for AFBI:
3-Year Share Buyback Ratio: 2.60 (13% above median its 10-year median of 2.30)
GF Value™: $20.48 vs. price of $23.00 (12.3% above fair value)
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.
66GF Score
Get the complete analysis for AFBI
3-Year Share Buyback Ratio 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 
