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Infinity BancorpINFT -1.33%69 Net Margin % is 25.82% as of Mar. 2026, which is 12% above its 10-year median of 23.06. GuruFocus rates INFT with a GF Score™ of 69/100 and a GF Value™ of $14.29 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Infinity Bancorp ranks better than 51.38% on this metric.
Infinity Bancorp (OTCPK:INFT) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Infinity Bancorp Net Margin % Related Terms
Infinity Bancorp Net Margin % Historical Data
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The historical data trend for Infinity Bancorp's Net Margin % 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.
For the Banks - Regional subindustry, Infinity Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Infinity Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Infinity Bancorp's Net Margin % 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 Net Margin % of 25.82% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Infinity Bancorp and its competitors. This is 12% above median its historical median of 23.06. According to the industry distribution chart, Infinity Bancorp ranks #742 out of 1526 companies in the Banks industry, placing it in the top 48.6%.
Is Infinity Bancorp's Net Margin % too high?
Infinity Bancorp's current Net Margin % of 25.82% is 12% above median its 10-year median of 23.06. The Banks industry median Net Margin % is 27.06. Infinity Bancorp's value of 25.82% is 4.6% below this industry median. Based on the distribution chart, Infinity Bancorp ranks #742 out of 1526 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 Net Margin % compare to NEFB and BBBK?
According to the Banks industry distribution chart, Infinity Bancorp ranks #742 out of 1526 companies for Net Margin %. This puts Infinity Bancorp in the upper half of its industry. The industry median Net Margin % is 27.06. Infinity Bancorp's value of 25.82% is 4.6% below this benchmark. While the company's 10-year median is 23.06 vs. the industry median of 27.06, Infinity Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Infinity Bancorp's current Net Margin % of 25.82% is 4.6% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Infinity Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Infinity Bancorp's current Net Margin % is 25.82%, which is 12% above median its own 10-year median of 23.06. 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 $14.29, compared to a current price of $17.76 — trading 24.3% above its estimated fair value. The current Net Margin % is 25.82%, which is 12% above median its 10-year median of 23.06 and 4.6% below the Banks industry median of 27.06. Infinity Bancorp's overall GF Score™ is 69/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Infinity Bancorp (INFT), the current Net Margin % is 25.82% as of Mar. 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 $17.76 is trading 24.3% above its estimated GF Value™ of $14.29.
GuruFocus considers Infinity Bancorp to be Modestly Overvalued.
Key valuation signals for INFT:
Net Margin %: 25.82% (12% above median its 10-year median of 23.06)
GF Value™: $14.29 vs. price of $17.76 (24.3% above fair value)
Industry Position: 4.6% below the Banks median (#742 of 1526)
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
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