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Affinity Bancshares, Inc (AFBI) Fair Value & Analysis

Financial Services · US · Market cap $137M

Price$22.55
Fair Value$17.77
Upside-21.2%
Quality95/100
Evidence: High Range $13.33 – $22.22

Fair value as of: Jun 26, 2026

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Analysis

Affinity Bancshares, Inc (AFBI) currently trades at $22.55, while our model-based Fair Value estimate is $17.77 — implying the stock looks roughly 21.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest rates or cash-back rewards. It also provides commercial and industrial, commercial real estate, residential mortgage, construction and land, consumer, balloon, and adjustable-rate loans. In addition, the company invests in U.S. treasury securities; securities issued by the U.S. government and its agencies, or government sponsored enterprises, including mortgage-backed securities and collateralized mortgage obligations; corporate and municipal bonds; certificates of deposit in other financial institutions; and federal and money market funds. Further, it operates FitnessBank, a virtual bank whic…

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Frequently asked questions

Is Affinity Bancshares, Inc (AFBI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $17.77 versus a price of $22.55 — about −21% (overvalued). Model-based estimate, not financial advice.
What is the fair value of AFBI?
Our 21-model fair value for Affinity Bancshares, Inc is $17.77 (as of Jun 26, 2026), built from audited fundamentals. The current price is $22.55.
What is the quality score of AFBI?
Affinity Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.