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Infinity Bancorp (INFT)

USD18.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 6 Hutton Centre Drive 92707
Santa Ana, CA, US
CEO Karkutla Balkrishna
IPO 2021-01-08
CIK 1962911 ISIN US45674V1017

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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, including checking and savings options. For its lending services, it offers personal loans and home equity lines of credit to individuals, while businesses can access a robust suite of credit facilities such as term loans, lines of credit, accounts receivable financing, commercial real estate and construction loans, Small Business Administration (SBA) loans, and letters of credit. Additionally, the company furnishes numerous supplementary services, ranging from debit and credit cards, treasury management, bill pay, ATM access, and automatic loan payments, to direct deposit, night deposit, overdraft protection, wire transfers, ACH services, merchant processing, remote deposit capture, and specialized armored car and cash vault services. Customers also benefit from advanced online and mobile banking platforms. Infinity Bancorp was founded in 2018 and maintains its headquarters in Santa Ana, California.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD18.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
103
Beta
0.26
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-13.08% -23.81% +38.03% +47.06% +45.56% +45.45% +70.21% +112.77% +125.99% +90.48% +90.48%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
18.00
DCF (Unlevered) 108.27 +501.5%
DCF (Levered) 113.10 +528.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.72
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +2.7% Q1'26: +34.4% (vs Q1'25)
  • EPS growth
    +27.1% Q1'26: -2.6% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +30.8% (vs Q1'25)
  • ROIC
    Q1'26: -5.4% (vs Q1'25)
  • Share dilution
    +8.8% Q1'26: +7.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.54× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.14) × ERP
WACC = 88% × Ke + 12% × Kd (49.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 108.27 Current price: 18.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-20 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-19 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-15 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-14 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-13 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-12 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-11 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-08 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-05-06 B+ 3/5 1/5 4/5 4/5 3/5 3/5 3/5
2026-04-28 B+ 3/5 1/5 4/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
192.8K
OE per share TTM
0.06
Owner's Yield
0.31%
Maintenance CapEx ratio
1.92%
Maint CapEx / Avg PPE
9.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2008-06-26 PASSILLA MICHAEL Officer D Stock Option (right to buy) 27,500 8.90 244.8K 0
2007-04-26 TAYLOR DANIEL J Director A-Award A Common Stock 6,390 0.00 13,664
2007-04-26 KURZWEIL RAY Director A-Award A Common Stock 6,390 0.00 10,655
2006-05-25 KURZWEIL RAY Director S-Sale D Common Stock 6,061 4.75 28.8K 4,265
2006-05-02 TAYLOR DANIEL J Director A-Award A Common Stock 509 0.00 7,274
2006-04-28 TAYLOR DANIEL J Director A-Award A Common Stock 4,265 0.00 6,765
2006-04-28 KURZWEIL RAY Director A-Award A Common Stock 4,265 0.00 10,326
2005-12-28 PASSILLA MICHAEL Officer D Stock Option (right to buy) 5,000 13.03 65.2K 0
2005-10-31 TAYLOR DANIEL J Director D Common Stock 0 0.00 0
2005-06-30 PASSILLA MICHAEL Officer D Stock Option (right to buy) 6,250 12.23 76.4K 0
2005-04-27 KURZWEIL RAY Director A-Award A Common Stock 6,061 0.00 6,061
2004-12-31 PASSILLA MICHAEL Officer D Stock Option (right to buy) 625 13.75 8.6K 0
2004-09-13 PASSILLA MICHAEL Officer S-Sale D Common Stock 2,500 7.30 18.3K 905
2004-06-28 PASSILLA MICHAEL Officer D Stock Option (right to buy) 2,500 36.50 91.3K 0
2004-04-28 PORTER MICHAEL E Director A-Award A Stock Option (right to buy) 7,500 11.05 82.9K 7,500
2004-04-28 KURZWEIL RAY Director A-Award A Stock Option (right to buy) 7,500 11.05 82.9K 7,500
2003-12-19 KURZWEIL RAY Director S-Sale D Common Stock 4,900 8.12 39.8K 100
2003-12-01 PASSILLA MICHAEL Officer A-Award A Employee Stock Option (right to buy) 64,000 8.55 547.2K 64,000
2003-11-21 PASSILLA MICHAEL Officer M-Exempt A Common Stock 2,500 1.24 3.1K 3,405
2003-07-25 PASSILLA MICHAEL Officer D Common Stock 0 0.00 905
2003-01-04 PASSILLA MICHAEL Officer D Stock Option (right to buy) 2,500 1.24 3.1K 0

Executive team

Top executives
EBIT / Employee
258.7K
Shares Outstanding
3.13M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2024-05-16 1-Z
2023-12-18 QUALIF
2023-12-06 1-A POS
2023-07-18 QUALIF
2023-07-06 1-A POS
2023-05-02 QUALIF
2023-04-27 CORRESP
2023-04-27 1-A/A
2023-04-12 CORRESP
2023-04-05 CORRESP

Executive team

NameTitleCompensationGender
Karkutla Balkrishna Chairman of the Board & Chief Executive Officer 525.8K male
Victor E. Guerrero President & Director 424.9K male
Allison Duncan Executive Vice President & Chief Financial Officer female
Elaine Crouch Executive Vice President of Risk Management, Director of Human Resources & Corporate Secretary female
Mercedes N. Herrera Chief Operating Officer
Patty Staples Chief Credit Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits