Infinity Bank (INFT)
OTHER OTC:INFT
Top Page
Infinity Bank
(OTC:INFT)
Select Model
Select Model
Rating:69Neutral
Price Target:
$13.50
▼(-4.59% Downside)
Action:DowngradedDate:12/30/25
The score is driven primarily by solid financial performance (profitability, stronger balance sheet, and robust recent cash generation) and attractive valuation (low P/E with a modest dividend). These positives are partially offset by weak technicals, with the stock trading below key moving averages and negative MACD despite very oversold RSI.
Positive Factors
Revenue Growth
Consistent revenue growth reflects Infinity Bank's ability to expand its market reach and enhance product adoption, supporting long-term business sustainability.
Negative Factors
Leverage
Moderate leverage levels can limit financial flexibility and increase risk during economic downturns, potentially impacting long-term financial health.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth reflects Infinity Bank's ability to expand its market reach and enhance product adoption, supporting long-term business sustainability.
Read all positive factors
Infinity Bank (INFT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$44.88M
Dividend Yield2.41%
Average Volume (3M)3.00
Price to Earnings (P/E)8.0
Beta (1Y)0.06
Revenue Growth9.38%
EPS Growth76.22%
CountryUS
Employees29
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.38
Shares Outstanding3,300,000
10 Day Avg. Volume0
30 Day Avg. Volume3
Financial Highlights & Ratios
PEG Ratio0.99
Price to Book (P/B)0.78
Price to Sales (P/S)1.24
P/FCF Ratio4.11
Enterprise Value/Market Cap-1.01
Enterprise Value/Revenue-2.04
Enterprise Value/Gross Profit-2.59
Enterprise Value/Ebitda-6.69
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Infinity Bank Business Overview & Revenue Model
Company Description
Infinity Bancorp operates as the bank holding company for Infinity Bank that provides various banking products and services for individuals and businesses in Southern California. The company accepts checking and savings accounts. Its loan products...
How the Company Makes Money
Infinity Bank generates revenue through a variety of channels. Its primary revenue streams include interest income from loans and mortgages, where the bank earns money by charging interest on the funds lent to individuals and businesses. Additiona...
Infinity Bank Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.34M | 23.22M | 20.22M | 13.83M | 9.77M | 6.61M |
| Gross Profit | 17.54M | 15.62M | 14.47M | 11.93M | 8.55M | 5.39M |
| EBITDA | 6.80M | 5.77M | 5.67M | 4.42M | 1.85M | -178.00K |
| Net Income | 4.75M | 3.88M | 3.87M | 3.00M | 3.17M | -318.00K |
Balance Sheet | ||||||
| Total Assets | 337.07M | 332.67M | 306.13M | 310.17M | 296.83M | 204.88M |
| Cash, Cash Equivalents and Short-Term Investments | 113.12M | 69.06M | 106.67M | 150.21M | 144.06M | 67.66M |
| Total Debt | 3.98M | 8.96M | 26.34M | 4.67M | 4.98M | 6.38M |
| Total Liabilities | 297.37M | 295.87M | 278.23M | 281.95M | 268.22M | 179.05M |
| Stockholders Equity | 39.70M | 36.80M | 27.90M | 28.22M | 28.61M | 25.83M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.98M | 5.49M | 5.50M | 3.02M | 575.00K |
| Operating Cash Flow | 0.00 | 7.01M | 5.68M | 5.55M | 3.09M | 603.00K |
| Investing Cash Flow | 0.00 | -24.73M | -28.81M | 1.60M | -51.73M | -65.17M |
| Financing Cash Flow | 0.00 | 22.62M | -10.95M | 13.80M | 89.01M | 88.40M |
Infinity Bank Technical Analysis
Negative
14.15
Price Trends
13.88
Negative
13.94
Negative
13.96
Negative
Market Momentum
-0.07
Negative
32.38
Neutral
<0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For INFT, the sentiment is Negative. The current price of 14.15 is above the 20-day moving average (MA) of 13.60, above the 50-day MA of 13.88, and above the 200-day MA of 13.96, indicating a bearish trend. The MACD of -0.07 indicates Negative momentum. The RSI at 32.38 is Neutral, neither overbought nor oversold. The STOCH value of <0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for INFT.
Infinity Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $55.99M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
78 Outperform | $64.36M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
69 Neutral | $44.88M | 8.04 | 13.30% | 2.41% | 9.38% | 76.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $62.60M | 9.39 | 4.93% | 3.87% | 6.89% | ― | |
64 Neutral | $50.14M | 17.24 | 5.34% | 1.10% | 12.12% | ― |
* Financial Sector Average
INFT
Infinity Bank
13.60
3.38
33.03%
ASRV
Ameriserv Financial
3.69
1.68
83.22%
HFBL
Home Federal Bancorp Of Louisiana
18.21
5.39
42.03%
OPHC
Optimumbank Holdings
5.29
1.57
42.20%
TCBS
Texas Community
17.38
1.58
10.02%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.