IF BANCORP INC (IROQ) Stock Fundamental Analysis
USA - NASDAQ:IROQ - US44951J1051 - Common Stock
25.815 USD
+0.02 (+0.06%)
Taking everything into account, IROQ scores 2 out of 10 in our fundamental rating. IROQ was compared to 390 industry peers in the Banks industry. IROQ may be in some trouble as it scores bad on both profitability and health. IROQ has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
IROQ had positive earnings in the past year.
In the past year IROQ had a positive cash flow from operations.
In the past 5 years IROQ has always been profitable.
IROQ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of IROQ (0.48%) is worse than 76.67% of its industry peers.
IROQ's Return On Equity of 5.26% is on the low side compared to the rest of the industry. IROQ is outperformed by 75.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 5.26% | ||
| ROIC | N/A |
ROA(3y)0.41%
ROA(5y)0.52%
ROE(3y)4.72%
ROE(5y)5.7%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 16.68%, IROQ is not doing good in the industry: 71.54% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of IROQ has declined.
The Operating Margin and Gross Margin are not available for IROQ so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.07%
PM growth 5Y-1.91%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
IROQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, IROQ has about the same amount of shares outstanding.
The number of shares outstanding for IROQ has been increased compared to 5 years ago.
The debt/assets ratio for IROQ has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of IROQ is 2.88, which is a good value as it means it would take IROQ, 2.88 years of fcf income to pay off all of its debts.
IROQ's Debt to FCF ratio of 2.88 is in line compared to the rest of the industry. IROQ outperforms 40.26% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that IROQ is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.23, IROQ is doing worse than 62.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 143.00% over the past year.
IROQ shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.23% yearly.
IROQ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.42%.
IROQ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.20% yearly.
EPS 1Y (TTM)143%
EPS 3Y-9.45%
EPS 5Y0.23%
EPS Q2Q%228%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y-2.46%
Revenue growth 5Y2.2%
Sales Q2Q%20.22%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 18.71, the valuation of IROQ can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of IROQ indicates a rather expensive valuation: IROQ more expensive than 80.00% of the companies listed in the same industry.
IROQ is valuated rather cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.71 | ||
| Fwd PE | N/A |
4.2 Price Multiples
IROQ's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)79.79
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
IROQ has a Yearly Dividend Yield of 1.55%.
IROQ's Dividend Yield is slightly below the industry average, which is at 3.42.
IROQ's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
5.2 History
On average, the dividend of IROQ grows each year by 6.77%, which is quite nice.
IROQ has paid a dividend for at least 10 years, which is a reliable track record.
IROQ has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.77%
Div Incr Years9
Div Non Decr Years11
5.3 Sustainability
29.88% of the earnings are spent on dividend by IROQ. This is a low number and sustainable payout ratio.
IROQ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP29.88%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:IROQ (11/7/2025, 8:00:02 PM)
25.815
+0.02 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners30.51%
Inst Owner Change0%
Ins Owners19.52%
Ins Owner Change0%
Market Cap86.48M
Revenue(TTM)25.80M
Net Income(TTM)4.30M
Analysts0
Price TargetN/A
Short Float %0.09%
Short Ratio1.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
Yearly Dividend0.38
Dividend Growth(5Y)6.77%
DP29.88%
Div Incr Years9
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.71 | ||
| Fwd PE | N/A | ||
| P/S | 3.35 | ||
| P/FCF | 13.27 | ||
| P/OCF | 12.79 | ||
| P/B | 1.06 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY5.35%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.95
FCFY7.54%
OCF(TTM)2.02
OCFY7.82%
SpS7.7
BVpS24.43
TBVpS24
PEG (NY)N/A
PEG (5Y)79.79
Graham Number27.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 5.26% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.68% | ||
| GM | N/A | ||
| FCFM | 25.27% |
ROA(3y)0.41%
ROA(5y)0.52%
ROE(3y)4.72%
ROE(5y)5.7%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.07%
PM growth 5Y-1.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.88 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 38.97% | ||
| Cap/Sales | 0.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 151.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.15%
ROIC/WACCN/A
Cap/Depr(3y)138.9%
Cap/Depr(5y)103.04%
Cap/Sales(3y)3.56%
Cap/Sales(5y)2.63%
Profit Quality(3y)92.12%
Profit Quality(5y)108.56%
High Growth Momentum
Growth
EPS 1Y (TTM)143%
EPS 3Y-9.45%
EPS 5Y0.23%
EPS Q2Q%228%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.42%
Revenue growth 3Y-2.46%
Revenue growth 5Y2.2%
Sales Q2Q%20.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y220.19%
FCF growth 3Y-7.66%
FCF growth 5Y-0.66%
OCF growth 1Y196.15%
OCF growth 3Y-7.96%
OCF growth 5Y-0.41%
IF BANCORP INC / IROQ FAQ
What is the ChartMill fundamental rating of IF BANCORP INC (IROQ) stock?
ChartMill assigns a fundamental rating of 2 / 10 to IROQ.
What is the valuation status for IROQ stock?
ChartMill assigns a valuation rating of 1 / 10 to IF BANCORP INC (IROQ). This can be considered as Overvalued.
How profitable is IF BANCORP INC (IROQ) stock?
IF BANCORP INC (IROQ) has a profitability rating of 2 / 10.
How financially healthy is IF BANCORP INC?
The financial health rating of IF BANCORP INC (IROQ) is 2 / 10.