Infinity Bank (Santa Ana CA) (INFT) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Infinity Bank (Santa Ana CA) $13.60, price $17.85, upside -23.8%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $7.00 – $29.73 · fair‑value band $11.99 – $23.26 · the $17.85 price screens above the $13.60 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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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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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.
Stock analysis
Infinity Bank (Santa Ana CA) (INFT) currently trades at $17.85, while our model-based Fair Value estimate is $13.60, implying the stock looks roughly 31.3% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $19.08 per share, and 2 of the 4 models we run sit above the $17.85 price.
Bear case: the Asset-Based group reads lowest at $9.13, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $11.99 (bear) to $23.26 (bull), the price of $17.85 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 69/100 (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 $55.9M · P/E ratio 11.2 · P/S ratio 3.10 · EPS (TTM) $1.59 · Dividend yield 2.1% · Net margin 27.7% · Return on equity 12.9% · Return on assets 1.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 40% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −24%, INFT screens cheaper than that median.
Fair Value models
Bear $11.99Fair Value $13.60Bull $23.26
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.8958 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.Evidence ⓘEvidence = 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.
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%
’18
’19
’20
’21
’22
’23
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’25
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.
+14.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.4%
Dividend (yield on the price)2.1%
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Compare Infinity Bank (Santa Ana CA) with another stock
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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 · 1076 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score74 · Top 25%
Fair Value upside−24% · Below median
Profitability
Return on equity (TTM)13% · Above median
Return on assets2% · Top 25%
Net margin (TTM)28% · Below median
Operating margin (TTM)41% · Above median
Growth and dividend
Revenue growth−1% · Bottom 25%
Dividend yield (TTM)2.1% · Below median
Balance sheet
Debt / equity0.21× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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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 Sep 24, 2026, our model estimates a fair value of $13.60 versus a price of $17.85, about −24% upside (overvalued).
What is the fair value of INFT?
Our model-based fair value for Infinity Bank (Santa Ana CA) is $13.60 (as of Sep 24, 2026), built from audited fundamentals. The current price: $17.85.
What is the quality score of INFT?
Infinity Bank (Santa Ana CA) has a Quality Score of 69/100. 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 $13.60 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $11.99, optimistic scenario $23.26. 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 $13.60, about −24% upside versus a price of $17.85 (overvalued). Cautious scenario $11.99, optimistic scenario $23.26. 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 $19.2M (latest available figure, as of Sep 24, 2026).
Does Infinity Bank (Santa Ana CA) pay a dividend?
Infinity Bank (Santa Ana CA) currently shows a dividend yield of about 2.07% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Infinity Bank (Santa Ana CA) (INFT)?
For today's price to be fair in a discounted-cash-flow model, Infinity Bank (Santa Ana CA) would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +26.3 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of INFT use?
Our models discount Infinity Bank (Santa Ana CA) at 11.2 %: a base by market capitalisation (micro), damped by beta 0.28, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Infinity Bank (Santa Ana CA) that is less than minus 40 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Infinity Bank (Santa Ana CA) (INFT) delivered so far?
Over the past 5 years revenue at Infinity Bank (Santa Ana CA) grew +26.3 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Infinity Bank (Santa Ana CA) (INFT) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Infinity Bank (Santa Ana CA) (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Infinity Bank (Santa Ana CA) (INFT)?
The free-cash-flow yield on the price is 11.07 %: that much free cash flow Infinity Bank (Santa Ana CA) produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $13.60 per share (as of Sep 24, 2026), against a price of $17.85. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Infinity Bank (Santa Ana CA) stock overvalued or undervalued in 2026?
As of Sep 24, 2026, INFT trades above its calculated fair value: price $17.85, fair value $13.60, a gap of about −24% (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 ($17.85); the fair value is what the company's own numbers justify ($13.60). For Infinity Bank (Santa Ana CA) the two are $4.25 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 $55.9M (market capitalisation, as of Sep 24, 2026). Per share that is $17.85; our models calculate a fair value of $13.60 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 $11.99, base $13.60, optimistic $23.26 per share (as of Sep 24, 2026, price $17.85). 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 11.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.60 is built from several models across several years. Other multiples: P/B 1.3, P/S 2.9.
How solid is the balance sheet of Infinity Bank (Santa Ana CA) (INFT)?
Balance-sheet figures for Infinity Bank (Santa Ana CA) (as of Sep 24, 2026): return on equity 12.9%, debt of 0.21 per unit of equity. They feed the Quality Score of 69/100, 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 $17.85, about 40% below its 52-week high of $29.73 and 46% above the low of $12.27 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $13.60 is for.
Which stocks are comparable to Infinity Bank (Santa Ana CA)?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price $17.85, calculated fair value $13.60 (−24%), Quality Score 69/100, from 4 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 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $13.60, 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 13.0 % 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 Sep 23, 2026 was $17.85. Our model-based fair value is $13.60, about −24% upside (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 (69/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($11.99 to $23.26) leaves room in how you read the outcome. 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 $55.9M. 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 3.10 (P/E × margin). 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 $1.59 (price ÷ EPS = P/E 11.2). 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 2.1% (payout 23.3%). 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 27.7% (fiscal year 2025). 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 12.9% (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 1.6% (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 40.5% (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 −1.4% 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 −9.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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Sep 24, 2026