Affinity Bancshares IncAFBI
Price$23.00Intrinsic value$18.2821% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $18.28median of 2 methodsbased on filings through 31 Mar 2026
Market Price $23.00Price as of 31 Jul 2026
Margin of Safety -20.5%as of 31 Jul 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.0% (near-term consensus, capped) · years 2–5: 5.0%/yr (balance of the path).5.0% per year
Years 6–10: glide to demonstrated growth own history 25.8%, capped at 20%
Per-year rates
Yr 65.0%Yr 75.0%Yr 85.0%Yr 95.0%Yr 105.0%
5.0% → 5.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 114.8%Yr 124.6%Yr 134.4%Yr 144.2%Yr 154.0%Yr 163.8%Yr 173.6%Yr 183.4%Yr 193.2%Yr 203.0%
5.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 1 window (5y) (limited history)25.8%
Discount rate (cost of equity) 6.8%
Volatility vs market (adjusted beta)0.42

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetAffinity Bancshares IncAFBIFinancials
Valuation
P/E16.8×
P/S4.3×
P/B1.1×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin27.9%
Net margin25.3%
FCF margin41.9%
Returns
ROE6.8%
ROA1.0%
ROIC9.3%
Growth
Revenue growth (YoY)7.6%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.42×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield—

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.