Infinity Bank (INFT) AI Stock Analysis

• Market Cap: $38.77M
• Dividend Yield: 2.38%
• Average Volume (3M): 49.00
• Price to Earnings (P/E): 9.1
• Beta (1Y): 0.02
• Revenue Growth: 11.17%
• EPS Growth: -34.04%
• Country: US
• Employees: 29
• Sector: Financial
• Sector Strength: 84
• Industry: Banks - Regional
• EPS (TTM): 1.47
• Shares Outstanding: 3,300,000
• 10 Day Avg. Volume: 139
• 30 Day Avg. Volume: 49
• PEG Ratio: -3.37
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Infinity Bank is well-positioned in the banking industry with strong financial metrics, a stable valuation, and moderate technical indicators. The lack of specific guidance from earnings calls suggests steadiness, but no immediate catalysts for significant stock movement.

Infinity Bank Business Overview & Revenue Model

Company Description

Infinity Bank (INFT) is a full-service financial institution that operates in the banking and financial services sectors. The bank offers a comprehensive range of products and services, including personal and commercial banking, wealth management, investment banking, and mortgage lending. With a focus on customer-centric solutions, Infinity Bank aims to deliver innovative financial products tailored to meet the diverse needs of its clients, ranging from individuals to large corporations.

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. Additionally, the bank earns fee-based income from services such as wealth management, investment advisory, and transaction processing. Infinity Bank also benefits from trading and investment income derived from its investment banking operations, which include underwriting, financial advisory services, and securities trading. Partnerships with fintech companies and strategic alliances with other financial institutions further enhance its ability to tap into new markets and expand its service offerings, contributing to the bank's overall earnings.

Infinity Bank Financial Statement Overview

Summary

Infinity Bank exhibits strong financial health with consistent revenue and profit growth, efficient operational management, and effective cash flow generation. While leverage is moderate, the equity ratio suggests room for strengthening equity financing.

Income Statement

Infinity Bank has demonstrated solid growth in revenue and profitability over the past years. The gross profit margin is strong at 139.8%, and the net profit margin is a healthy 26.8%. The revenue growth rate from 2022 to 2023 is 13.7%, indicating a positive trajectory. EBIT and EBITDA margins are solid at 44.9% and 39.2% respectively, reflecting efficient operations and cost management.

Balance Sheet

The balance sheet indicates a stable financial position with a debt-to-equity ratio of 0.94, suggesting a moderate level of leverage. Return on equity is commendable at 13.9%, reflecting effective use of equity capital. The equity ratio stands at 9.1%, which is relatively low, indicating higher reliance on liabilities.

Cash Flow

Cash flow analysis shows robust free cash flow growth and a high operating cash flow to net income ratio of 1.47, indicating strong cash generation capabilities. The free cash flow to net income ratio is 1.42, highlighting efficient cash conversion.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
19.63M	14.47M	12.72M	9.24M	6.05M	3.56M
	Gross Profit
21.48M	20.22M	12.72M	9.24M	6.05M	3.56M
	EBIT
4.78M	6.50M	4.29M	1.74M	-317.00K	-1.93M
	EBITDA
4.51M	5.67M	4.42M	1.85M	-178.00K	-1.80M
	Net Income Common Stockholders
3.08M	3.87M	3.00M	3.17M	-318.00K	-1.93M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
64.16M	64.16M	150.21M	144.06M	67.66M	41.26M
	Total Assets
304.96M	306.13M	310.17M	296.83M	204.88M	116.63M
	Total Debt
25.02M	26.34M	4.67M	4.98M	6.38M	1.68M
	Net Debt
-39.14M	-37.82M	-93.56M	-72.31M	-38.26M	-11.80M
	Total Liabilities
277.06M	278.23M	281.95M	268.22M	179.05M	90.85M
	Stockholders Equity
27.90M	27.90M	28.22M	28.61M	25.83M	25.78M
Cash Flow		Free Cash Flow
0.00	5.49M	5.50M	3.02M	575.00K	-1.15M
	Operating Cash Flow
0.00	5.68M	5.55M	3.09M	603.00K	-1.11M
	Investing Cash Flow
0.00	-28.81M	1.60M	-51.73M	-65.17M	-71.93M
	Financing Cash Flow
0.00	-10.95M	13.80M	89.01M	88.40M	46.13M

Infinity Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For INFT, the sentiment is Positive. The current price of 11 is above the 20-day moving average (MA) of 10.52, above the 50-day MA of 10.45, and above the 200-day MA of 9.76, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 88.72 is Negative, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for INFT.

Infinity Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CUBI	74 Outperform	$1.71B	13.52	8.14%	―	-5.61%	-44.11%
HTB	74 Outperform	$635.43M	11.48	9.96%	1.27%	5.23%	-7.72%
INFT	73 Outperform	$38.77M	9.11	11.98%	2.38%	11.17%	-34.04%
BHB	72 Outperform	$468.54M	10.74	9.67%	3.92%	6.33%	3.44%
SFBS	70 Outperform	$4.18B	17.41	15.30%	1.66%	11.59%	20.69%
Sector *	64 Neutral	$12.82B	9.87	7.67%	17000.34%	12.39%	-5.85%
LION	41 Neutral	$1.93B	―	19.96%	―	―	-285.78%