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INFT

Infinity Bank OTCPK:INFT Stock Report

Last Price

US$8.70

Market Cap

US$28.9m

7D

-0.8%

1Y

-2.2%

Updated

08 Aug, 2022

Data

Company Financials
INFT fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance3/6
Financial Health4/6
Dividends0/6

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

Summary of all time highs, changes and price drops for Infinity Bank
Historical stock prices
Current Share PriceUS$8.70
52 Week HighUS$9.25
52 Week LowUS$8.50
Beta0.26
1 Month Change-0.80%
3 Month Change-1.14%
1 Year Change-2.25%
3 Year Change11.83%
5 Year Changen/a
Change since IPO-17.14%

Recent News & Updates

Shareholder Returns

INFTUS BanksUS 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

Is INFT's price volatile compared to industry and market?
INFT volatility
INFT Average Weekly Movementn/a
Banks Industry Average Movement3.7%
Market Average Movement7.9%
10% most volatile stocks in US Market17.1%
10% least volatile stocks in US Market3.2%

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

FoundedEmployeesCEOWebsite
2018n/aBala Balkrishnahttps://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

How do Infinity Bank's earnings and revenue compare to its market cap?
INFT fundamental statistics
Market CapUS$28.93m
Earnings (TTM)US$3.52m
Revenue (TTM)US$9.54m

8.2x

P/E Ratio

1.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
INFT income statement (TTM)
RevenueUS$9.54m
Cost of RevenueUS$0
Gross ProfitUS$9.54m
Other ExpensesUS$6.02m
EarningsUS$3.52m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.06
Gross Margin100.00%
Net Profit Margin36.91%
Debt/Equity Ratio14.7%

How did INFT perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is INFT undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation 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.

INFT key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does INFT's PE Ratio compare to its peers?

INFT PE Ratio vs Peers
The above table shows the PE ratio for INFT vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average10.6x
VTYB Victory Bancorp
7.1xn/aUS$29.5m
CBOF CBOA Financial
7.7xn/aUS$29.8m
OAKV Oak View Bankshares
11.1xn/aUS$27.5m
MNBP Mars Bancorp
16.7xn/aUS$27.3m
INFT Infinity Bank
8.2xn/aUS$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.

INFT PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.2x
Fair PE Ration/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.


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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

0/6

Future 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

3/6

Past 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.


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Financial Health

How is Infinity Bank's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

4/6

Financial 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.


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Dividend

What is Infinity Bank current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend 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.


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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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/08 00:00
End of Day Share Price2022/08/04 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


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.