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Infinity Bank (INFT) Price & Analysis

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INFT Stock Chart & Stats

$14.15

-$0.19(-1.95%)

At close: Dec 30 4:00 PM EST

$14.15

-$0.19(-1.95%)

Day’s Range― - ―

52-Week Range$12.48 - $29.90

Previous CloseN/A

Volume1.00K

Average Volume (3M)3.00

Market Cap

$58.61M

Enterprise Value-$92.12

Total Cash (Recent Filing)$141.92M

Total Debt (Recent Filing)$3.99M

Price to Earnings (P/E)10.3

Beta0.05

Next Earnings

Jul 30, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.08%

Share Statistics

EPS (TTM)1.73

Shares Outstanding3,300,000

10 Day Avg. Volume0

30 Day Avg. Volume3

Financial Highlights & Ratios

PEG Ratio0.25

Price to Book (P/B)1.02

Price to Sales (P/S)1.81

P/FCF Ratio6.96

Enterprise Value/Market Cap>-0.01

Enterprise Value/Revenue>-0.01

Enterprise Value/Gross Profit>-0.01

Enterprise Value/Ebitda>-0.01

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

Bulls Say, Bears Say

Bulls Say

Consistent Cash GenerationConsistent positive operating and free cash flow that closely tracks net income (~96–100%) provides durable internal funding for dividends, loan originations and capital needs. This strengthens earnings quality, reduces reliance on external funding and enhances resilience across cycles.

Improved Leverage / De-risked Balance SheetA meaningful decline in debt-to-equity from ~0.94 to ~0.21–0.24 indicates balance-sheet de-risking. Lower leverage reduces interest burden and solvency risk, giving management flexibility to support lending or investment initiatives and to better absorb credit stress.

Healthy Margins And ReturnsHigh operating (~31%) and net (~22%) margins in 2025, alongside solid ROE, point to an efficient cost structure and pricing power in core regional banking activities. Durable margins underpin sustained cash generation and the ability to fund growth or returns to shareholders.

Bears Say

Decelerating Revenue GrowthTop-line growth slowing to mid-single digits (~6.7% in 2025) after earlier rapid expansion signals a maturing franchise. Slower revenue constrains operating leverage benefits and forces dependence on margin expansion or capital deployment efficiency to sustain EPS and shareholder returns over the medium term.

Volatility In Leverage And MarginsA sharp 2023 leverage spike and year-to-year margin swings indicate inconsistent funding and profit stability. Such volatility complicates capital planning, elevates execution risk and could amplify stress in adverse credit or rate environments, necessitating closer governance and contingency planning.

Limited Scale And Operational BreadthVery small scale (29 employees and thin trading volume) limits diversification, product breadth and economies of scale. Smaller banks face higher per-unit costs and constrained investment capacity, making sustained growth, technological upgrades and competitive expansion more challenging over time.

INFT FAQ

What was Infinity Bank’s price range in the past 12 months?

Infinity Bank lowest stock price was $12.48 and its highest was $29.90 in the past 12 months.

What is Infinity Bank’s market cap?

Infinity Bank’s market cap is $58.61M.

When is Infinity Bank’s upcoming earnings report date?

Infinity Bank’s upcoming earnings report date is Jul 30, 2026 which is in 3 days.

How were Infinity Bank’s earnings last quarter?

Infinity Bank released its earnings results on May 06, 2026. The company reported $0.38 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

Is Infinity Bank overvalued?

According to Wall Street analysts Infinity Bank’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Infinity Bank pay dividends?

Infinity Bank pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 2.08%. See more information on Infinity Bank dividends here

What is Infinity Bank’s EPS estimate?

Infinity Bank’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Infinity Bank have?

Infinity Bank has 3,300,000 shares outstanding.

What happened to Infinity Bank’s price movement after its last earnings report?

Infinity Bank reported an EPS of $0.38 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 5.457%.

Which hedge fund is a major shareholder of Infinity Bank?

Currently, no hedge funds are holding shares in INFT

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

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.