Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Infinity BancorpINFT -1.33%69 5-Year Yield-on-Cost % is 2.08 as of Aug. 01, 2026, which is 31% above its 10-year median of 1.59. 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 1,251 Banks companies, Infinity Bancorp ranks worse than 80.58% on this metric.
Infinity Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 2.08.
The historical rank and industry rank for Infinity Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
INFT'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.6 Med: 1.59 Max: 2.65
Current: 2.08
During the past 8 years, Infinity Bancorp's highest Yield on Cost was 2.65. The lowest was 0.60. And the median was 1.59.
INFT's 5-Year Yield-on-Cost % is ranked worse than 80.58% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs INFT: 2.08
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Infinity Bancorp 5-Year Yield-on-Cost % Related Terms
INFT vs NEFB, BBBK, CIBH: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Infinity Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Infinity Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Infinity Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Infinity Bancorp (INFT) has a 5-Year Yield-on-Cost % of 2.08 as of Aug. 01, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Infinity Bancorp and its competitors. This is 31% above median its historical median of 1.59. Over the past decade, Infinity Bancorp's 5-Year Yield-on-Cost % has ranged from 0.60 to 2.65. According to the industry distribution chart, Infinity Bancorp ranks #1008 out of 1251 companies in the Banks industry, placing it in the top 80.6%.
Is Infinity Bancorp's 5-Year Yield-on-Cost % too high?
Infinity Bancorp's current 5-Year Yield-on-Cost % of 2.08 is 31% above median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 2.65. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Infinity Bancorp's value of 2.08 is 45.8% below this industry median. Based on the distribution chart, Infinity Bancorp ranks #1008 out of 1251 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to NEFB and BBBK?
According to the Banks industry distribution chart, Infinity Bancorp ranks #1008 out of 1251 companies for 5-Year Yield-on-Cost %. This places Infinity Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Infinity Bancorp's value of 2.08 is 45.8% below this benchmark. Historically, Infinity Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.60 to 2.65 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 3.84, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Infinity Bancorp's current 5-Year Yield-on-Cost % of 2.08 is 45.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Infinity Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Infinity Bancorp's current 5-Year Yield-on-Cost % is 2.08, which is 31% above median its own 10-year median of 1.59. 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 5-Year Yield-on-Cost % is 2.08, which is 31% above median its 10-year median of 1.59 and 45.8% below the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Infinity Bancorp (INFT), the current 5-Year Yield-on-Cost % is 2.08 as of Aug. 01, 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:
5-Year Yield-on-Cost %: 2.08 (31% above median its 10-year median of 1.59)
GF Value™: $14.29 vs. price of $17.76 (24.3% above fair value)
Industry Position: 45.8% below the Banks median (#1008 of 1251)
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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
INFT has been successfully added to your 
