Affinity BancsharesAFBI 65 5-Year Yield-on-Cost % is 0.00 as of Jul. 09, 2026. GuruFocus rates AFBI with a GF Score™ of 65/100 and a GF Value™ of $20.43 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,254 Banks companies, Affinity Bancshares ranks worse than 79744.74% on this metric.
Affinity Bancshares's yield on cost for the quarter that ended in Mar. 2026 was 0.00.
The historical rank and industry rank for Affinity Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
AFBI's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.94 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Affinity Bancshares 5-Year Yield-on-Cost % Related Terms
AFBI vs LSBK, DIMC, CMRB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Affinity Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Affinity Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Affinity Bancshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Affinity Bancshares (AFBI) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 09, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Affinity Bancshares and its competitors. According to the industry distribution chart, Affinity Bancshares ranks #999999 out of 1254 companies in the Banks industry.
Is Affinity Bancshares' 5-Year Yield-on-Cost % too high?
Affinity Bancshares' current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Affinity Bancshares ranks #999999 out of 1254 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' 5-Year Yield-on-Cost % compare to LSBK and DIMC?
According to the Banks industry distribution chart, Affinity Bancshares ranks #999999 out of 1254 companies for 5-Year Yield-on-Cost %. This places Affinity Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Affinity Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Affinity Bancshares's current 5-Year Yield-on-Cost % is 0.00. 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 $20.43, compared to a current price of $22.63 — trading 10.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Affinity Bancshares (AFBI), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 09, 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 $22.63 is trading 10.8% above its estimated GF Value™ of $20.43.
GuruFocus considers Affinity Bancshares to be Modestly Overvalued.
Key valuation signals for AFBI:
5-Year Yield-on-Cost %: 0.00
GF Value™: $20.43 vs. price of $22.63 (10.8% 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.
65GF Score
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