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Infinity BancorpINFT 69 Graham Number is $22.53 as of Jun. 2026. GuruFocus rates INFT with a GF Score™ of 69/100 and a GF Value™ of $13.87 (Modestly Overvalued). Among 1,420 Banks companies, Infinity Bancorp ranks better than 54.58% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-09-16), the stock price of Infinity Bancorp is $17.80. Infinity Bancorp's graham number for the quarter that ended in Jun. 2026 was $22.53. Therefore, Infinity Bancorp's Price to Graham Number ratio for today is 0.79.
The historical rank and industry rank for Infinity Bancorp's Graham Number or its related term are showing as below:
INFT'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.6 Med: 0.78 Max: 1
Current: 0.79
During the past 8 years, the highest Price to Graham Number ratio of Infinity Bancorp was 1.00. The lowest was 0.60. And the median was 0.78.
INFT's Price-to-Graham-Number is ranked better than 54.58% of 1420
companies
in the Banks industry
Industry Median: 0.82
vs INFT: 0.79
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Infinity Bancorp (OTCPK:INFT) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Infinity Bancorp's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
17.80
/
22.52
=
0.79
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Infinity Bancorp Graham Number Related Terms
Infinity Bancorp Graham Number Historical Data
* Premium members only.
The historical data trend for Infinity Bancorp's Graham Number can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
INFT vs OSBK, KEFI, NEFB: Graham Number Comparison
For the Banks - Regional subindustry, Infinity Bancorp's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Infinity Bancorp Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Infinity Bancorp's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Infinity Bancorp's Price-to-Graham-Number falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Infinity Bancorp (INFT) has a Graham Number of $22.53 as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Infinity Bancorp and its competitors. According to the industry distribution chart, Infinity Bancorp ranks #645 out of 1420 companies in the Banks industry, placing it in the top 45.4%.
Is Infinity Bancorp's Graham Number too high?
Infinity Bancorp's current Graham Number is $22.53. The Banks industry median Graham Number is 0.82. Infinity Bancorp's value of $22.53 is 2647.6% above this industry median. Based on the distribution chart, Infinity Bancorp ranks #645 out of 1420 companies in the Banks industry, which is above the industry midpoint. Overall, Infinity Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Infinity Bancorp's Graham Number compare to OSBK and KEFI?
According to the Banks industry distribution chart, Infinity Bancorp ranks #645 out of 1420 companies for Graham Number. This puts Infinity Bancorp in the upper half of its industry. The industry median Graham Number is 0.82. Infinity Bancorp's value of $22.53 is 2647.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.82, based on 1,420 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Infinity Bancorp's current Graham Number of $22.53 is 2647.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Infinity Bancorp and its competitors. For the Banks industry, the median Graham Number is 0.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Infinity Bancorp's current Graham Number is $22.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Infinity Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Infinity Bancorp (INFT) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.87, compared to a current price of $17.80 — trading 28.3% above its estimated fair value. The current Graham Number is $22.53 and 2647.6% above the Banks industry median of 0.82. Infinity Bancorp's overall GF Score™ is 69/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Infinity Bancorp (INFT), the current Graham Number is $22.53 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Infinity Bancorp (INFT) Overvalued in 2026?
Based on GuruFocus' analysis, Infinity Bancorp stock appears to be overvalued.
The current stock price of $17.80 is trading 28.3% above its estimated GF Value™ of $13.87.
GuruFocus considers Infinity Bancorp to be Modestly Overvalued.
Key valuation signals for INFT:
Graham Number: $22.53
GF Value™: $13.87 vs. price of $17.80 (28.3% above fair value)
Industry Position: 2647.6% above the Banks median (#645 of 1420)
No single metric tells the full story. See the INFT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Infinity Bancorp is a single bank holding company based in California, United States. Through its banking subsidiary, it offers a full range of commercial banking products and solutions, serving the needs of individuals and businesses alike. Its portfolio of products and services includes business and personal checking accounts, debit cards, letter of credit, business term loans, construction loans, commercial real estate loans, online and mobile banking services, treasury management solutions, and business credit cards, among others.
69GF Score
Get the complete analysis for INFT
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