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Infinity Bank (INFT) Price & Analysis
INFT Stock Chart & Stats
- Day’s Range
- $17.50 - $17.50
- 52-Week Range
- $12.48 - $29.90
- Previous Close
- $17.53
- Volume
- 100
- Average Volume (3M)
- 373
- Market Cap
- $54.34M
- Enterprise Value
- -$8.61M
- Total Cash (Recent Filing)
- $78.81M
- Total Debt (Recent Filing)
- $3.99M
- Price to Earnings (P/E)
- 10.1
- Beta
- 0.10
- Next Earnings
- Nov 11, 2026
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- Nov 16, 2026
- Dividend Yield
- 2.23%
Bulls Say, Bears Say
Bulls Say
Strong Profitability Recovery And Current Margins
The recovery from the 2020 loss year and strong 2025 operating margins indicate an established earnings base. If maintained, this profitability can support internal investment, dividends, and resilience through normal banking-cycle fluctuations.
Consistent, High-quality Free Cash Flow
Free cash flow closely tracking net income supports earnings quality and suggests reported profits convert into usable financial resources. Sustained cash generation can strengthen capital, fund shareholder returns, and reduce reliance on external financing.
Material Balance-sheet De-risking
Lower leverage and a larger equity base improve financial flexibility and provide a stronger buffer against credit losses or funding stress. This materially reduces balance-sheet risk versus 2023, although consistency remains important.
Bears Say
Sharp Deceleration In Revenue Growth
The slowdown indicates a maturing growth profile and may limit future earnings expansion unless Infinity Bank gains share, adds products, or improves productivity. Slower top-line growth can also reduce operating leverage over the medium term.
Volatile Profitability And Capital Structure
Year-to-year swings in margins and leverage make the durability of recent performance less certain. Greater variability can complicate capital planning and suggests investors should assess whether current returns reflect repeatable banking operations.
Limited Visibility Into Debt-service Coverage
Although cash flow is strong, the repeated zero coverage reading prevents a reliable assessment of how operating cash supports debt obligations. This data limitation weakens confidence in funding resilience and warrants closer monitoring of coverage metrics.
INFT FAQ
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Infinity Bank Stock Smart Score
Company Description
Infinity Bank
Infinity Bancorp acts as the parent company for Infinity Bank, which delivers a comprehensive array of banking solutions to both individual and corporate clients throughout Southern California. The institution provides essential deposit accounts, including checking and savings options. For its lending services, it offers personal loans and home equity lines of credit to individuals, while businesses can access a robust suite of credit facilities such as term loans, lines of credit, accounts receivable financing, commercial real estate and construction loans, Small Business Administration (SBA) loans, and letters of credit. Additionally, the company furnishes numerous supplementary services, ranging from debit and credit cards, treasury management, bill pay, ATM access, and automatic loan payments, to direct deposit, night deposit, overdraft protection, wire transfers, ACH services, merchant processing, remote deposit capture, and specialized armored car and cash vault services. Customers also benefit from advanced online and mobile banking platforms. Infinity Bancorp was founded in 2018 and maintains its headquarters in Santa Ana, California.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Karkutla Balkrishna
- Employees
- 29
- Website
- www.goinfinitybank.com
- Address
- 6 Hutton Centre Drive, Santa Ana, CA, 92707, US
Infinity Bank (INFT) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 5 | 12 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 2 | 0 | 10 |