Affinity Bancshares, Inc. (AFBI) P/E Ratio History
ExpensiveTrading at 27.1x vs 5Y avg 16.6x · 100th percentile · Material premium to history · Data 2017–2025
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P/E Ratio Analysis
As of June 13, 2026, Affinity Bancshares, Inc. (AFBI) trades at a price-to-earnings ratio of 27.1x, with a stock price of $22.52 and trailing twelve-month earnings per share of $1.16.
The current P/E is 63% above its 5-year average of 16.6x. Over the past five years, AFBI's P/E has ranged from a low of 11.5x to a high of 25.2x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.9x, AFBI trades at a 95% premium to its sector peers. The sector includes 784 companies with P/E ratios ranging from 0.0x to 197.4x.
The PEG ratio of 0.37 (P/E divided by -15% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, AFBI trades roughly in line with the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our AFBI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
AFBI Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
AFBI P/E vs Peers
Community and retail regional banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $207M | 14.7 | 2.90 | +9% | |
| $349M | 23.2 | - | -37% | |
| $359M | 8.0 | 0.24Best | -8% | |
| $446M | 10.3 | 0.61 | -7% | |
| $80B | 24.4 | 2.74 | +21% | |
| $506M | 3.4Lowest | - | +443%Best | |
| $28B | 12.6 | 0.84 | +14% | |
| $7B | 13.6 | - | -10% | |
| $2B | 28.7 | - | -44% | |
| $804M | 14.0 | 1.20 | +17% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
AFBI Historical P/E Data (2017–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q3 | - | $19.72 | $1.15 | 17.1x | -77% |
| FY2025 Q2 | Jun 30 2025 | $18.38 | $1.07 | 17.2x | -77% |
| FY2025 Q1 | Mar 31 2025 | $17.76 | $0.90 | 19.7x | -73% |
| FY2024 Q4 | - | $17.50 | $0.82 | 21.3x | -71% |
| FY2024 Q3 | Sep 30 2024 | $21.41 | $0.85 | 25.2x | -66% |
| FY2024 Q2 | Jun 30 2024 | $21.20 | $0.84 | 25.2x | -66% |
| FY2024 Q1 | Mar 31 2024 | $16.55 | $0.92 | 18.0x | -76% |
| FY2023 Q4 | Dec 31 2023 | $15.97 | $0.98 | 16.3x | -78% |
| FY2023 Q3 | Sep 30 2023 | $14.79 | $1.00 | 14.8x | -80% |
| FY2023 Q2 | Jun 30 2023 | $11.69 | $1.02 | 11.5x | -85% |
| FY2023 Q1 | Mar 31 2023 | $14.32 | $1.05 | 13.6x | -82% |
| FY2022 Q4 | Dec 31 2022 | $15.10 | $1.05 | 14.4x | -81% |
| FY2022 Q3 | Sep 30 2022 | $14.61 | $0.99 | 14.8x | -80% |
| FY2022 Q2 | - | $14.85 | $0.98 | 15.2x | -80% |
| FY2022 Q1 | - | $15.71 | $1.05 | 15.0x | -80% |
| FY2021 Q4 | Dec 31 2021 | $15.40 | $1.10 | 14.0x | -81% |
| FY2021 Q3 | - | $14.05 | $1.12 | 12.5x | -83% |
| FY2021 Q2 | Jun 30 2021 | $12.97 | $1.13 | 11.5x | -85% |
| FY2021 Q1 | Mar 31 2021 | $12.19 | $0.95 | 12.8x | -83% |
| FY2020 Q4 | - | $9.90 | $0.45 | 22.0x | -70% |
| FY2020 Q3 | Sep 30 2020 | $7.15 | $0.28 | 25.4x | -66% |
| FY2019 Q4 | - | $11.45 | $0.05 | 221.5x | +198% |
| FY2019 Q3 | Sep 30 2019 | $10.19 | $0.03 | 363.9x | +390% |
| FY2019 Q2 | Jun 30 2019 | $9.93 | $0.11 | 87.2x | +17% |
| FY2019 Q1 | Mar 31 2019 | $10.25 | $0.18 | 57.5x | -22% |
| FY2018 Q4 | Dec 31 2018 | $11.65 | $0.20 | 57.6x | -22% |
| FY2018 Q3 | Sep 30 2018 | $11.70 | $0.03 | 342.1x | +361% |
| FY2018 Q2 | Jun 30 2018 | $11.11 | $0.02 | 600.5x | +709% |
| FY2017 Q3 | Sep 30 2017 | $13.49 | $0.19 | 72.1x | -3% |
| FY2017 Q2 | Jun 30 2017 | $13.53 | $0.20 | 66.7x | -10% |
Average P/E for displayed period: 74.2x
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Compare NowAFBI — Frequently Asked Questions
Quick answers to the most common questions about buying AFBI stock.
What is AFBI's P/E ratio?
Affinity Bancshares, Inc. (AFBI) trailing twelve-month P/E ratio is 27.1x, based on TTM diluted EPS of $1.16. The 5-year average P/E is 16.6x and the historical range spans 11.5x to 25.2x.
Is AFBI stock overvalued or undervalued?
AFBI trades at 27.1x P/E, above its 5-year average of 16.6x. The 100th percentile ranking within the 11.5x–25.2x historical range indicates a premium to historical valuation.
Is AFBI stock expensive?
Yes, AFBI is expensive relative to its own history. The current P/E of 27.1x is above the 5-year average of 16.6x and also above the Financial Services sector median of 13.9x. The stock sits at the 100th percentile of its 5-year valuation range.
What is AFBI's historical P/E range?
Over the past 5 years, AFBI's P/E ratio has ranged from 11.5x to 25.2x, with a median of 15.2x and an average of 16.6x. The current P/E of 27.1x places the stock at the 100th percentile of this range. Full historical data spans 2017–2025.
How does AFBI's P/E compare to the S&P 500?
AFBI trades at 27.1x P/E versus the S&P 500 median of 25.1x. The 8% premium to the market typically reflects higher expected earnings growth or quality.
How does AFBI's valuation compare to Financial Services peers?
Affinity Bancshares, Inc. P/E of 27.1x compares to the Financial Services sector median of 13.9x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is AFBI's PEG ratio?
AFBI PEG ratio is 0.37, based on a P/E of 27.1x and EPS growth of -15.3%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is AFBI's earnings yield?
AFBI earnings yield is 3.69%, the inverse of its 27.1x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.