Does Affinity Bancshares have an economic moat?
Not clearly
Affinity Bancshares earns 4.3% a year on the money invested in it, a return competitors could match.
The numbers behind it
Return on invested capital, average of recent years4.3%
Return on invested capital, latest year13.2%
Gross margin62.1%Share of each sale left after production costs
Net margin25.2%
How we decide
A moat shows up in the numbers as high returns that last. We call it likely when the average return on invested capital over recent years is at least 15% and the gross margin at least 40%, and possible from 10%. The numbers can't show where a moat comes from (brand, network, patents), only that one seems to exist.
More questions about Affinity Bancshares
Data as of Aug 10, 2026.