Is Affinity Bancshares, Inc. overvalued or undervalued?

As of 28 November 2025, the valuation grade for Affinity Bancshares, Inc. moved from very attractive to attractive. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 19, a Price to Book Value of 0.93, and an EV to EBITDA of 11.43. In comparison, Ponce Financial Group, Inc. has a P/E of 21.78, while Timberland Bancorp, Inc. stands at a lower P/E of 10.19, indicating that Affinity is positioned between these peers.
In terms of recent performance, Affinity Bancshares has underperformed the S&P 500 over the past year, with a return of -10.14% compared to the index's 14.18%, but has shown stronger performance over the longer term, with a 5-year return of 94.17% versus the S&P's 88.25%. This suggests that while the stock may currently be fairly valued, it has the potential for growth in the long run.