Is Affinity Bancshares, Inc. overvalued or undervalued?

As of 28 November 2025, the valuation grade for Affinity Bancshares, Inc. has moved from very attractive to attractive, indicating a shift in its perceived value. The company appears to be fairly valued based on its current metrics, with a P/E ratio of 19, a price-to-book value of 0.93, and an EV to EBITDA ratio of 11.43. In comparison, Ponce Financial Group, Inc. has a higher P/E ratio of 21.78, while Timberland Bancorp, Inc. shows a lower EV to EBITDA ratio of 10.19, highlighting the relative positioning of Affinity within its peer group.
In terms of performance, Affinity Bancshares has shown a year-to-date return of 10.40%, which lags behind the S&P 500's return of 16.45% for the same period, suggesting that while the stock has performed positively, it has not kept pace with broader market trends. Overall, the company's valuation metrics indicate it is fairly valued in the current market environment.