Infinity Bank (INFT) AI Stock Analysis

• Market Cap: $47.85M
• Dividend Yield: 2.21%
• Average Volume (3M): 3.00
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.01
• Revenue Growth: 10.59%
• EPS Growth: 51.66%
• Country: US
• Employees: 29
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 3,300,000
• 10 Day Avg. Volume: 11
• 30 Day Avg. Volume: 3
• PEG Ratio: 0.88
• Price to Book (P/B): 0.78
• Price to Sales (P/S): 1.24
• P/FCF Ratio: 4.11
• Enterprise Value/Market Cap: -0.86
• Enterprise Value/Revenue: -1.83
• Enterprise Value/Gross Profit: -3.13
• Enterprise Value/Ebitda: -6.02
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: ―

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 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 include personal loans and home equity lines of credit; and business term loans, business lines of credit, accounts receivable financing, commercial real estate loans, construction loans, small business administration loans, and letters of credit. The company also offers debit and credit cards; and treasury management, bill pay, ATM, automatic loan payment, direct deposit, night drop, overdraft, wire transfers, ACH, merchant, remote deposit capture, armored car and cash vault, and online and mobile banking services. Infinity Bancorp was founded in 2018 and is based in Santa Ana, California.

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 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	22.34M	23.22M	14.47M	13.83M	9.77M	6.61M
Gross Profit	13.09M	15.62M	14.47M	11.93M	8.55M	5.39M
EBITDA	6.80M	5.64M	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	0.00	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	0.00	-28.81M	1.60M	-51.73M	-65.17M
Financing Cash Flow	0.00	0.00	-10.95M	13.80M	89.01M	88.40M

Infinity Bank Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.50
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For INFT, the sentiment is Neutral. The current price of 14.5 is below the 20-day moving average (MA) of 14.82, below the 50-day MA of 14.82, and above the 200-day MA of 11.78, indicating a neutral trend. The MACD of -0.09 indicates Positive momentum. The RSI at 22.00 is Positive, 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 Neutral sentiment for INFT.

Infinity Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
INFT	73 Outperform	$47.85M	9.55	12.87%	2.21%	10.59%	51.66%
OPHC	72 Outperform	$49.24M	3.20	14.85%	―	25.77%	12.09%
HFBL	69 Neutral	$43.66M	11.30	7.20%	3.68%	-2.93%	7.89%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	62 Neutral	$49.56M	13.40	3.45%	4.00%	6.06%	―
KFFB	52 Neutral	$31.94M	178.92	0.38%	3.03%	19.55%	―