IF BANCORP INC (IROQ)

US44951J1051 - Common Stock

16.25  -0.25 (-1.52%)

Fundamental Rating

2

Overall IROQ gets a fundamental rating of 2 out of 10. We evaluated IROQ against 412 industry peers in the Banks industry. IROQ may be in some trouble as it scores bad on both profitability and health. IROQ is valued expensive and it does not seem to be growing.



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3

1. Profitability

1.1 Basic Checks

In the past year IROQ was profitable.
In the past year IROQ had a positive cash flow from operations.
IROQ had positive earnings in each of the past 5 years.
Each year in the past 5 years IROQ had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.21%, IROQ is not doing good in the industry: 89.32% of the companies in the same industry are doing better.
IROQ's Return On Equity of 2.64% is on the low side compared to the rest of the industry. IROQ is outperformed by 87.86% of its industry peers.
Industry RankSector Rank
ROA 0.21%
ROE 2.64%
ROIC N/A
ROA(3y)0.63%
ROA(5y)0.59%
ROE(3y)6.94%
ROE(5y)6.06%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 8.57%, IROQ is doing worse than 88.11% of the companies in the same industry.
In the last couple of years the Profit Margin of IROQ has grown nicely.
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) 8.57%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.96%
PM growth 5Y17.28%
GM growth 3YN/A
GM growth 5YN/A

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1

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 more shares outstanding
Compared to 5 years ago, IROQ has less shares outstanding
The debt/assets ratio for IROQ is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of IROQ is 46.17, which is on the high side as it means it would take IROQ, 46.17 years of fcf income to pay off all of its debts.
IROQ has a worse Debt to FCF ratio (46.17) than 86.89% of its industry peers.
A Debt/Equity ratio of 0.68 indicates that IROQ is somewhat dependend on debt financing.
IROQ has a Debt to Equity ratio of 0.68. This is in the lower half of the industry: IROQ underperforms 77.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF 46.17
Altman-Z N/A
ROIC/WACCN/A
WACC14.75%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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2

3. Growth

3.1 Past

IROQ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -65.28%.
IROQ shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.44% yearly.
Looking at the last year, IROQ shows a very negative growth in Revenue. The Revenue has decreased by -18.69% in the last year.
IROQ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.83% yearly.
EPS 1Y (TTM)-65.28%
EPS 3Y2.65%
EPS 5Y25.44%
EPS growth Q2Q-86.59%
Revenue 1Y (TTM)-18.69%
Revenue growth 3Y4.11%
Revenue growth 5Y3.83%
Revenue growth Q2Q-23.37%

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.

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0

4. Valuation

4.1 Price/Earnings Ratio

IROQ is valuated quite expensively with a Price/Earnings ratio of 26.64.
Based on the Price/Earnings ratio, IROQ is valued expensively inside the industry as 89.32% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of IROQ to the average of the S&P500 Index (24.55), we can say IROQ is valued inline with the index average.
Industry RankSector Rank
PE 26.64
Fwd PE N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of IROQ indicates a rather expensive valuation: IROQ more expensive than 85.92% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 49.85
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.05
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 2.42%. Purely for dividend investing, there may be better candidates out there.
IROQ's Dividend Yield is slightly below the industry average, which is at 3.86.
Compared to an average S&P500 Dividend Yield of 2.39, IROQ has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.42%

5.2 History

The dividend of IROQ is nicely growing with an annual growth rate of 15.16%!
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)15.16%
Div Incr Years8
Div Non Decr Years10

5.3 Sustainability

IROQ pays out 65.76% of its income as dividend. This is not a sustainable payout ratio.
IROQ's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP65.76%
EPS Next 2YN/A
EPS Next 3YN/A

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IF BANCORP INC

NASDAQ:IROQ (5/1/2024, 7:03:40 PM)

16.25

-0.25 (-1.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap54.44M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.42%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 26.64
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.05
Profitability
Industry RankSector Rank
ROA 0.21%
ROE 2.64%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 8.57%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-65.28%
EPS 3Y2.65%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-18.69%
Revenue growth 3Y4.11%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y