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Infinity Bank (INFT) AI Stock Analysis
Infinity Bank
(Other OTC:INFT)
The overall score of 68 reflects a company with strong fundamentals and attractive valuation that is currently under significant technical pressure. The bank's robust balance sheet, healthy profitability, and low P/E ratio are the primary strengths. However, the stock is in a clear short-term downtrend, trading below key moving averages with weak momentum indicators, which heavily weighs on the score. The low beta of 0.08 suggests the stock is not moving with the broader market, making the technical weakness a company-specific concern.
Infinity Bank (INFT) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $54.34M
- Dividend Yield
- 2.23%
- Average Volume (3M)
- 3,668
- Price to Earnings (P/E)
- 10.1
- Beta (1Y)
- 0.10
- Revenue Growth
- 0.95%
- EPS Growth
- 13.84%
- Country
- US
- Employees
- 29
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, inc...
Infinity Bank Financial Statement Overview
Summary
Infinity Bank demonstrates solid financial health with strong revenue growth over five years, healthy net profit margins of 22.5%, and robust cash flow generation where free cash flow covers 98% of net income. The balance sheet is well-capitalized with low leverage (debt-to-equity of 0.21) and a strong equity-to-assets ratio of 11.9%. The main concern is moderating revenue growth and a slight dip in cash generation.
Income Statement
78PositiveBalance Sheet
86Very PositiveCash Flow
79Positive| 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 | 6.19M | 6.98M | 5.49M | 5.50M | 3.02M |
| Operating Cash Flow | 0 | 6.31M | 7.01M | 5.68M | 5.55M | 3.09M |
| Investing Cash Flow | 0 | 5.00M | -24.73M | -28.81M | 1.60M | -51.73M |
| Financing Cash Flow | 0 | 16.71M | 22.62M | -10.95M | 13.80M | 89.01M |
Infinity Bank Technical Analysis
Price Trends
Market Momentum
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 17.50 is below the 20-day moving average (MA) of 17.79, below the 50-day MA of 17.86, and above the 200-day MA of 16.94, indicating a neutral trend. The MACD of -0.10 indicates Positive momentum. The RSI at 30.70 is Neutral, neither overbought nor oversold. The STOCH value of 28.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for INFT.
Infinity Bank Peers Comparison
Overall Rating
OPHC83Outperform
ASRV70Outperform- INFT68Neutral
TCBS65Neutral
HFBL64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $115.50M | 5.29 | 16.39% | ― | 24.01% | 20.16% |
| ASRV | 70Outperform | $83.42M | 9.14 | 7.48% | 2.44% | 2.43% | 75.47% |
| INFT | 68Neutral | $54.34M | 10.12 | 12.66% | 2.23% | 0.95% | 13.84% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.87M | 14.34 | 6.14% | 1.44% | 5.94% | 51.02% |
| HFBL | 64Neutral | $69.25M | 10.68 | 11.12% | 2.43% | 7.94% | 43.98% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| INFT | Infinity Bank | 17.50 | 3.33 | 23.51% | |
| ASRV | AmeriServ Financial, Inc. | 4.91 | 1.88 | 62.15% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 22.85 | 6.90 | 43.23% | |
| OPHC | Optimumbank | 9.15 | 5.05 | 123.17% | |
| TCBS | Texas Community Bancshares, Inc. | 17.36 | 1.70 | 10.83% |
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.
Date of analysis: Aug 30, 2026