| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
INFT Stock Overview
Infinity Bank provides various commercial banking products and services for individuals and businesses in Southern California.
Infinity Bank Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$8.70 |
| 52 Week High | US$9.25 |
| 52 Week Low | US$8.50 |
| Beta | 0.26 |
| 1 Month Change | -0.80% |
| 3 Month Change | -1.14% |
| 1 Year Change | -2.25% |
| 3 Year Change | 11.83% |
| 5 Year Change | n/a |
| Change since IPO | -17.14% |
Recent News & Updates
Shareholder Returns
| INFT | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.8% | 0.06% | 1.1% |
| 1Y | -2.2% | -14.7% | -13.0% |
Return vs Industry: INFT exceeded the US Banks industry which returned -14.1% over the past year.
Return vs Market: INFT exceeded the US Market which returned -12.9% over the past year.
Price Volatility
| INFT volatility | |
|---|---|
| INFT Average Weekly Movement | n/a |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 7.9% |
| 10% most volatile stocks in US Market | 17.1% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: Insufficient data to determine INFT's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine INFT's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2018 | n/a | Bala Balkrishna | https://www.goinfinitybank.com |
Infinity Bank provides various commercial 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.
Infinity Bank Fundamentals Summary
| INFT fundamental statistics | |
|---|---|
| Market Cap | US$28.93m |
| Earnings (TTM) | US$3.52m |
| Revenue (TTM) | US$9.54m |
8.2x
P/E Ratio1.1x
P/B RatioIs INFT overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| INFT income statement (TTM) | |
|---|---|
| Revenue | US$9.54m |
| Cost of Revenue | US$0 |
| Gross Profit | US$9.54m |
| Other Expenses | US$6.02m |
| Earnings | US$3.52m |
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.06 |
| Gross Margin | 100.00% |
| Net Profit Margin | 36.91% |
| Debt/Equity Ratio | 14.7% |
How did INFT perform over the long term?
See historical performance and comparisonValuation
Is INFT undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for INFT?
Other financial metrics that can be useful for relative valuation.
| What is INFT's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$28.93m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does INFT's PE Ratio compare to its peers?
| INFT PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 10.6x | ||
VTYB Victory Bancorp | 7.1x | n/a | US$29.5m |
CBOF CBOA Financial | 7.7x | n/a | US$29.8m |
OAKV Oak View Bankshares | 11.1x | n/a | US$27.5m |
MNBP Mars Bancorp | 16.7x | n/a | US$27.3m |
INFT Infinity Bank | 8.2x | n/a | US$28.9m |
Price-To-Earnings vs Peers: INFT is good value based on its Price-To-Earnings Ratio (8.2x) compared to the peer average (10.6x).
Price to Earnings Ratio vs Industry
How does INFT's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: INFT is good value based on its Price-To-Earnings Ratio (8.2x) compared to the US Banks industry average (9.8x)
Price to Earnings Ratio vs Fair Ratio
What is INFT's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 8.2x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate INFT's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of INFT when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate INFT's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate INFT's fair value for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
Discover undervalued companies
Future Growth
How is Infinity Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
10.5%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Infinity Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Discover growth companies
- Examine Infinity Bank's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Infinity Bank's filings and announcements here.
Past Performance
How has Infinity Bank performed over the past 5 years?
Past Performance Score
3/6Past Performance Score 3/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
149.2%
Last years earnings growth
Earnings and Revenue History
Quality Earnings: INFT has high quality earnings.
Growing Profit Margin: INFT's current net profit margins (36.9%) are higher than last year (20.3%).
Past Earnings Growth Analysis
Earnings Trend: Unable to establish if INFT's year-on-year earnings growth rate was positive over the past 5 years as it has been trading publicly for less than 3 years.
Accelerating Growth: Unable to compare INFT's past year earnings growth to its 5-year average as it has been trading publicly for less than 3 years.
Earnings vs Industry: INFT earnings growth over the past year (149.2%) exceeded the Banks industry 10.1%.
Return on Equity
High ROE: INFT's Return on Equity (13.2%) is considered low.
Discover strong past performing companies
Financial Health
How is Infinity Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
4/6Financial Health Score 4/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: INFT's Assets to Equity ratio (11.8x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if INFT has a sufficient allowance for bad loans.
Low Risk Liabilities: 98% of INFT's liabilities are made up of primarily low risk sources of funding.
Loan Level: INFT has an appropriate level of Loans to Assets ratio (48%).
Low Risk Deposits: INFT's Loans to Deposits ratio (54%) is appropriate.
Level of Bad Loans: Insufficient data to determine if INFT has an appropriate level of bad loans.
Discover healthy companies
Dividend
What is Infinity Bank current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate INFT's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate INFT's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if INFT's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if INFT's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of INFT's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
0.6yrs
Average management tenure
CEO
Bala Balkrishna
no data
Tenure
Mr. Karkutia P. Balkrishna also known as Bala, is the Founder, Chief Executive Officer and Director of Infinity Bank and served as its President. Mr. Balkrishna was Founding Chairman, President & Chief Exe...
Leadership Team
Experienced Management: INFT's management team is not considered experienced ( 0.6 years average tenure), which suggests a new team.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Infinity Bank's employee growth, exchange listings and data sources
Key Information
- Name: Infinity Bank
- Ticker: INFT
- Exchange: OTCPK
- Founded: 2018
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$28.934m
- Shares outstanding: 3.33m
- Website: https://www.goinfinitybank.com
Location
- Infinity Bank
- 6 Hutton Centre Drive
- Suite 100
- Santa Ana
- California
- 92707
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/08/08 00:00 |
| End of Day Share Price | 2022/08/04 00:00 |
| Earnings | 2022/06/30 |
| Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.