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IF BANCORP INC (IROQ) Stock Fundamental Analysis

NASDAQ:IROQ - Nasdaq - US44951J1051 - Common Stock - Currency: USD

25.04  +0.48 (+1.95%)

Fundamental Rating

2

Taking everything into account, IROQ scores 2 out of 10 in our fundamental rating. IROQ was compared to 394 industry peers in the Banks industry. IROQ has a bad profitability rating. Also its financial health evaluation is rather negative. IROQ does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year IROQ was profitable.
IROQ had a positive operating cash flow in the past year.
Each year in the past 5 years IROQ has been profitable.
In the past 5 years IROQ always reported a positive cash flow from operatings.
IROQ Yearly Net Income VS EBIT VS OCF VS FCFIROQ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M

1.2 Ratios

With a Return On Assets value of 0.37%, IROQ is not doing good in the industry: 81.47% of the companies in the same industry are doing better.
The Return On Equity of IROQ (4.17%) is worse than 81.22% of its industry peers.
Industry RankSector Rank
ROA 0.37%
ROE 4.17%
ROIC N/A
ROA(3y)0.47%
ROA(5y)0.53%
ROE(3y)5.66%
ROE(5y)5.68%
ROIC(3y)N/A
ROIC(5y)N/A
IROQ Yearly ROA, ROE, ROICIROQ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

IROQ's Profit Margin of 13.36% is on the low side compared to the rest of the industry. IROQ is outperformed by 79.95% of its industry peers.
In the last couple of years the Profit Margin of IROQ has declined.
IROQ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-26.32%
PM growth 5Y-12.91%
GM growth 3YN/A
GM growth 5YN/A
IROQ Yearly Profit, Operating, Gross MarginsIROQ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2

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 less shares outstanding
Compared to 5 years ago, IROQ has less shares outstanding
IROQ has a worse debt/assets ratio than last year.
IROQ Yearly Shares OutstandingIROQ Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
IROQ Yearly Total Debt VS Total AssetsIROQ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

IROQ has a debt to FCF ratio of 3.97. This is a good value and a sign of high solvency as IROQ would need 3.97 years to pay back of all of its debts.
IROQ's Debt to FCF ratio of 3.97 is on the low side compared to the rest of the industry. IROQ is outperformed by 67.01% of its industry peers.
A Debt/Equity ratio of 0.24 indicates that IROQ is not too dependend on debt financing.
The Debt to Equity ratio of IROQ (0.24) is worse than 63.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.97
Altman-Z N/A
ROIC/WACCN/A
WACC17.9%
IROQ Yearly LT Debt VS Equity VS FCFIROQ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IROQ Yearly Current Assets VS Current LiabilitesIROQ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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3

3. Growth

3.1 Past

IROQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 67.55%, which is quite impressive.
The earnings per share for IROQ have been decreasing by -10.76% on average. This is quite bad
Looking at the last year, IROQ shows a quite strong growth in Revenue. The Revenue has grown by 11.17% in the last year.
IROQ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.08% yearly.
EPS 1Y (TTM)67.55%
EPS 3Y-31%
EPS 5Y-10.76%
EPS Q2Q%42%
Revenue 1Y (TTM)11.17%
Revenue growth 3Y-5.78%
Revenue growth 5Y0.08%
Sales Q2Q%18.54%

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.
IROQ Yearly Revenue VS EstimatesIROQ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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0

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 24.08 indicates a rather expensive valuation of IROQ.
Compared to the rest of the industry, the Price/Earnings ratio of IROQ indicates a rather expensive valuation: IROQ more expensive than 81.98% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.51. IROQ is around the same levels.
Industry RankSector Rank
PE 24.08
Fwd PE N/A
IROQ Price Earnings VS Forward Price EarningsIROQ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

IROQ's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. IROQ is more expensive than 68.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.6
EV/EBITDA N/A
IROQ Per share dataIROQ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

IROQ has a Yearly Dividend Yield of 1.62%.
Compared to an average industry Dividend Yield of 3.31, IROQ is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.35, IROQ is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

On average, the dividend of IROQ grows each year by 10.30%, which is quite nice.
IROQ has been paying a dividend for at least 10 years, so it has a reliable track record.
IROQ has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.3%
Div Incr Years9
Div Non Decr Years11
IROQ Yearly Dividends per shareIROQ Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

38.95% of the earnings are spent on dividend by IROQ. This is a low number and sustainable payout ratio.
DP38.95%
EPS Next 2YN/A
EPS Next 3YN/A
IROQ Yearly Income VS Free CF VS DividendIROQ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M
IROQ Dividend Payout.IROQ Dividend Payout, showing the Payout Ratio.IROQ Dividend Payout.PayoutRetained Earnings

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IF BANCORP INC

NASDAQ:IROQ (7/14/2025, 8:00:02 PM)

25.04

+0.48 (+1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29
Earnings (Next)08-27 2025-08-27
Inst Owners29.69%
Inst Owner Change0%
Ins Owners19.52%
Ins Owner Change0%
Market Cap83.88M
Analysts0
Price TargetN/A
Short Float %0.26%
Short Ratio3.98
Dividend
Industry RankSector Rank
Dividend Yield 1.62%
Yearly Dividend0.38
Dividend Growth(5Y)10.3%
DP38.95%
Div Incr Years9
Div Non Decr Years11
Ex-Date03-21 2025-03-21 (0.2)
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 RankSector Rank
PE 24.08
Fwd PE N/A
P/S 3.4
P/FCF 17.6
P/OCF 16.82
P/B 1.06
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)1.04
EY4.15%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.42
FCFY5.68%
OCF(TTM)1.49
OCFY5.95%
SpS7.36
BVpS23.56
TBVpS23.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.37%
ROE 4.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.36%
GM N/A
FCFM 19.34%
ROA(3y)0.47%
ROA(5y)0.53%
ROE(3y)5.66%
ROE(5y)5.68%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-26.32%
PM growth 5Y-12.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.97
Debt/EBITDA N/A
Cap/Depr 35.53%
Cap/Sales 0.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 144.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.9%
ROIC/WACCN/A
Cap/Depr(3y)145.02%
Cap/Depr(5y)100.03%
Cap/Sales(3y)3.72%
Cap/Sales(5y)2.58%
Profit Quality(3y)89.38%
Profit Quality(5y)109.98%
High Growth Momentum
Growth
EPS 1Y (TTM)67.55%
EPS 3Y-31%
EPS 5Y-10.76%
EPS Q2Q%42%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.17%
Revenue growth 3Y-5.78%
Revenue growth 5Y0.08%
Sales Q2Q%18.54%
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 1Y101.1%
FCF growth 3Y-32.4%
FCF growth 5Y-15.37%
OCF growth 1Y7.94%
OCF growth 3Y-30.73%
OCF growth 5Y-17.01%