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Infinity Bank
(OTC:INFT)
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Rating:76Outperform
Price Target:
$20.50
▲(15.30% Upside)
Action:Reiterated
Date:05/30/26
The score is primarily driven by solid financial performance—strong profitability, consistent free cash flow aligned with earnings, and improved leverage—tempered by decelerating revenue growth and some historical volatility. Technicals are moderately positive overall despite a short-term dip below the 20-day average, and valuation is reasonable with a modest dividend yield.
Positive Factors
Consistent Free Cash Flow
Persistent positive operating and free cash flow that closely tracks reported earnings indicates high earnings quality and durable internal funding. Over 2–6 months this supports reinvestment, dividend capacity, and optionality to pay down debt or fund strategic initiatives without external financing.
Negative Factors
Decelerating Revenue Growth
A shift from high early-stage growth to mid-single-digit top-line expansion suggests maturation and reduced organic scalability. Over the coming months this limits upside in absolute earnings and requires management to identify new revenue levers or risk slower return expansion without structural initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Free Cash Flow
Persistent positive operating and free cash flow that closely tracks reported earnings indicates high earnings quality and durable internal funding. Over 2–6 months this supports reinvestment, dividend capacity, and optionality to pay down debt or fund strategic initiatives without external financing.
Read all positive factors
Infinity Bank (INFT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$60.14M
Dividend Yield2.17%
Average Volume (3M)3.00
Price to Earnings (P/E)10.4
Beta (1Y)0.08
Revenue Growth0.95%
EPS Growth13.84%
CountryUS
Employees29
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Infinity Bank Business Overview & Revenue Model
Company Description
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, ...
Infinity Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
81
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 23.98M | 23.84M | 23.22M | 20.22M | 13.83M | 9.77M |
| Gross Profit | 19.16M | 18.90M | 15.62M | 14.47M | 11.93M | 8.55M |
| EBITDA | 7.58M | 7.58M | 5.77M | 5.67M | 4.42M | 1.85M |
| Net Income | 5.41M | 5.36M | 3.88M | 3.87M | 3.00M | 3.17M |
Balance Sheet | ||||||
| Total Assets | 359.51M | 355.99M | 332.67M | 306.13M | 310.17M | 296.83M |
| Cash, Cash Equivalents and Short-Term Investments | 78.81M | 97.08M | 69.06M | 106.67M | 150.21M | 144.06M |
| Total Debt | 3.99M | 8.98M | 8.96M | 26.34M | 4.67M | 4.98M |
| Total Liabilities | 315.47M | 313.68M | 295.87M | 278.23M | 281.95M | 268.22M |
| Stockholders Equity | 44.04M | 42.31M | 36.80M | 27.90M | 28.22M | 28.61M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.19M | 6.98M | 5.49M | 5.50M | 3.02M |
| Operating Cash Flow | 0.00 | 6.31M | 7.01M | 5.68M | 5.55M | 3.09M |
| Investing Cash Flow | 0.00 | 5.00M | -24.73M | -28.81M | 1.60M | -51.73M |
| Financing Cash Flow | 0.00 | 16.71M | 22.62M | -10.95M | 13.80M | 89.01M |
Infinity Bank Technical Analysis
Negative
17.78
Price Trends
18.33
Negative
18.24
Negative
16.02
Positive
Market Momentum
-0.03
Negative
43.99
Neutral
8.57
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 17.78 is below the 20-day moving average (MA) of 18.08, below the 50-day MA of 18.33, and above the 200-day MA of 16.02, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 43.99 is Neutral, neither overbought nor oversold. The STOCH value of 8.57 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $113.10M | 5.34 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $78.85M | 12.70 | 10.69% | 2.53% | 7.71% | 60.72% | |
76 Outperform | $60.14M | 10.38 | 12.66% | 2.08% | 0.95% | 13.84% | |
73 Outperform | $84.05M | 10.01 | 7.13% | 2.76% | 4.91% | 127.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.75M | 14.43 | 5.66% | 1.30% | 5.94% | 51.02% |
* Financial Sector Average
INFT
Infinity Bank
17.95
3.29
22.47%
ASRV
Ameriserv Financial
5.08
2.12
71.62%
HFBL
Home Federal Bancorp Of Louisiana
25.92
12.92
99.45%
OPHC
Optimumbank Holdings
9.24
4.94
114.88%
TCBS
Texas Community
17.31
1.24
7.70%
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.