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Infinity Bank (Santa Ana CA) (INFT) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Infinity Bank (Santa Ana CA) stock $13.59, price $17.50, that is 22.3% below the price, quality 74 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

IB Infinity Bank (Santa Ana CA) logo Some data Nov 8, 2026

Infinity Bank (Santa Ana CA)

INFT · US
Solid, but expensive

Our calculation puts a fair price 22% below what the stock costs today.

Quality 74/100
Healthy Growth (revenue 5y +26.2 %/yr in USD)
Highly profitable · 27.3% net margin (TTM)
2.2% dividend yield · Low payout
Mixed vs. peers (6/13)
Wide moat 66/100 · thin data
Some data
Fair value $13.59 · Overvalued
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$29.73 $7.00 Fair Value $13.59 Jul 2018 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $7.00 – $29.73 · fair‑value band $11.96 – $18.43 · the $17.50 price screens above the $13.59 fair value. As of Nov 8, 2026.

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Company profile

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.

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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.

Stock analysis

Infinity Bank (Santa Ana CA) (INFT) currently trades at $17.50, while our model-based Fair Value estimate is $13.59, 22% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $18.16 per share, and 1 of the 6 models we run sit above the $17.50 price.

Bear case: the Dividend Discount group reads lowest at $4.47, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $11.96 (bear) to $18.43 (bull), the price of $17.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 74/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Infinity Bank (Santa Ana CA) reported revenue of $19.4M in FY2025 versus $9.2M in FY2021, a compound +20.4%/yr. Reported net income was $5.4M in FY2025, compounding +14.0%/yr from FY2021.

Key figures

Market cap $54.8M Micro · P/E ratio 11.3 · P/S ratio 2.83 · EPS (TTM) $1.55 · Dividend yield 2.2% · Net margin 27.3% · Return on equity 12.3% · Return on assets 1.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).

What moves the price

The share trades about 41% below its 52-week high and 43% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −22%, INFT screens cheaper than that median.

Fair Value models

Bear $11.96 Fair Value $13.59 Bull $18.43
Price $17.50 · Downside -22.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.00 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $11.96 $13.59 $18.43 76
Gordon GGM $2.61 $4.65 $6.33 68
DDM Multi-Stage $2.61 $4.28 $4.97 67
All 6 models by family
Dividend Discount
Gordon GGM $2.61 $4.65 $6.33 68
DDM Multi-Stage $2.61 $4.28 $4.97 67
Multiples
P/E Multiple $16.84 $22.46 $28.07 63
P/B Multiple $10.39 $13.86 $17.32 55
Asset-Based
NCAV (Graham) $6.81 $9.13 $13.63 54
Economic Profit
Residual Income $11.96 $13.59 $18.43 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 74/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 45
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 86
Do the profits arrive as real cash?
Financial strength 91
Debt, balance sheet and risk of trouble
Investment 68
Does it invest with discipline instead of growing at any price?
Low Volatility 59
How calm the share price moves, does not count
Price momentum 64
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 72
Distance to the 52-week high, does not count
New shares 88
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.2%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+54.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+14.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.4%
Dividend (yield on the price)2.2%

INFT screens overvalued: fair value 22% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 74 · Top 25%
Fair Value upside −22.3% · Below median
Profitability
Return on equity (12 months) 12.3% · Above median
Return on assets 1.5% · Top 25%
Net margin (12 months) 27.3% · Below median
Operating margin (12 months) 36.9% · Below median
Growth and dividend
Revenue growth (quarter YoY) 4.5% · Below median
Dividend yield (12 months) 2.2% · Below median
Balance sheet
Debt / equity 0.21× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.3× · Pricier than median
P/B 1.30× · Pricier than median
P/S (12 months) 2.83× · Cheaper than median
Price / free cash flow (fiscal year) 8.9× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)4 · sector 8
FUTURE (revenue growth)23 · sector 47
PAST (return on equity)49 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)43 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs INFT
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs INFT
BNP Paribas SA BNP €91.93 €106.01 +15% vs INFT
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs INFT
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs INFT
UniCredit S.p.A UCG €76.80 €50.44 −34% vs INFT
Mizuho Financial Group MFG $9.40 $5.89 −37% vs INFT
DBS Group D05 69.72 SGD 40.39 SGD −42% vs INFT
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs INFT
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs INFT

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Infinity Bank (Santa Ana CA): fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Infinity Bank (Santa Ana CA) Fair Value". https://www.fairvalue-calculator.com/stock/INFT

Frequently asked questions

Is Infinity Bank (Santa Ana CA) (INFT) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $13.59 versus a price of $17.50, about 22% lower (overvalued).
What is the fair value of INFT?
Our model-based fair value for Infinity Bank (Santa Ana CA) is $13.59 (as of Nov 8, 2026), built from audited fundamentals. The current price: $17.50.
What is the quality score of INFT?
Infinity Bank (Santa Ana CA) has a Quality Score of 74/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Infinity Bank (Santa Ana CA) (INFT)?
Our model-based price target is the fair value of $13.59 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $11.96, optimistic scenario $18.43. It is a calculation from audited fundamentals, not an analyst target.
What is the Infinity Bank (Santa Ana CA) stock forecast for 2026?
Our models put fair value at $13.59, about 22% lower versus a price of $17.50 (overvalued). Cautious scenario $11.96, optimistic scenario $18.43. The calculation is refreshed regularly with new filings.
What is the revenue of Infinity Bank (Santa Ana CA) (INFT)?
Infinity Bank (Santa Ana CA) reported trailing-twelve-month revenue of about $19.4M (latest available figure, as of Nov 8, 2026).
Does Infinity Bank (Santa Ana CA) pay a dividend?
Infinity Bank (Santa Ana CA) currently shows a dividend yield of 2.17% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Infinity Bank (Santa Ana CA) (INFT) and when is the ex-dividend date?
Infinity Bank (Santa Ana CA) pays a dividend of $0.38 per share a year, a dividend yield of 2.2%. The next ex-dividend date is Nov 16, 2026. The payout ratio is 24.5% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Infinity Bank (Santa Ana CA) (INFT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Infinity Bank (Santa Ana CA) it is $13.59 per share (as of Nov 8, 2026), against a price of $17.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Infinity Bank (Santa Ana CA) stock overvalued or undervalued in 2026?
As of Nov 8, 2026, INFT trades above its calculated fair value: price $17.50, fair value $13.59, a gap of about −22% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of INFT?
No. The price is what the market pays today ($17.50); the fair value is what the company's own numbers justify ($13.59). For Infinity Bank (Santa Ana CA) the two are $3.91 per share apart. That gap is exactly why we show both numbers side by side.
How much is Infinity Bank (Santa Ana CA) worth?
The market values Infinity Bank (Santa Ana CA) at about $54.8M (market capitalisation, as of Nov 8, 2026). Per share that is $17.50; our models calculate a fair value of $13.59 per share.
What do the bullish and bearish scenarios say about INFT?
Our models span a range for Infinity Bank (Santa Ana CA): cautious scenario $11.96, base $13.59, optimistic $18.43 per share (as of Nov 8, 2026, price $17.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INFT?
Infinity Bank (Santa Ana CA) trades at a price-to-earnings ratio of 11.3 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.59 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 8.0. Other multiples: P/B 1.3, P/S 2.8.
How solid is the balance sheet of Infinity Bank (Santa Ana CA) (INFT)?
Balance-sheet figures for Infinity Bank (Santa Ana CA) (as of Nov 8, 2026): return on equity 12.3%, debt of 0.21 per unit of equity. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
How far is INFT from its 52-week high?
Infinity Bank (Santa Ana CA) trades at $17.50, about 41% below its 52-week high of $29.73 and 43% above the low of $12.27 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $13.59 is for.
Which stocks are comparable to Infinity Bank (Santa Ana CA)?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Infinity Bank (Santa Ana CA) stock attractive at the current price?
The data as of Nov 8, 2026: price $17.50, calculated fair value $13.59 (−22%), Quality Score 74/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of INFT calculated?
We run Infinity Bank (Santa Ana CA) through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $13.59 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Infinity Bank (Santa Ana CA) itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Infinity Bank (Santa Ana CA) (INFT)?
The closing price on Nov 6, 2026 was $17.50. Our model-based fair value is $13.59, about 22% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Infinity Bank (Santa Ana CA) right now?
Solid but not exceptional quality (74/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Infinity Bank (Santa Ana CA)

How large is the market capitalisation of Infinity Bank (Santa Ana CA) (INFT)?
The market capitalisation of Infinity Bank (Santa Ana CA) is $54.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Infinity Bank (Santa Ana CA) (INFT)?
The price-to-sales ratio of Infinity Bank (Santa Ana CA) is 2.83 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Infinity Bank (Santa Ana CA) (INFT)?
Earnings per share at Infinity Bank (Santa Ana CA) are $1.55 (price ÷ EPS = P/E 11.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Infinity Bank (Santa Ana CA) (INFT)?
The dividend yield of Infinity Bank (Santa Ana CA) is 2.2% (payout 24.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Infinity Bank (Santa Ana CA) (INFT)?
The net margin of Infinity Bank (Santa Ana CA) is 27.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Infinity Bank (Santa Ana CA) (INFT)?
The return on equity (ROE) of Infinity Bank (Santa Ana CA) is 12.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Infinity Bank (Santa Ana CA) (INFT)?
The return on assets (ROA) of Infinity Bank (Santa Ana CA) is 1.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Infinity Bank (Santa Ana CA) (INFT)?
The operating margin of Infinity Bank (Santa Ana CA) is 36.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Infinity Bank (Santa Ana CA) (INFT)?
Revenue at Infinity Bank (Santa Ana CA) is growing +4.5% versus a year earlier (3y avg +15.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Infinity Bank (Santa Ana CA) (INFT)?
Earnings per share at Infinity Bank (Santa Ana CA) are growing −9.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Infinity Bank (Santa Ana CA) (INFT) generate?
The free cash flow of Infinity Bank (Santa Ana CA) is $6.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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