26.07 USD
+0.02 (+0.08%)
Taking everything into account, IROQ scores 2 out of 10 in our fundamental rating. IROQ was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of IROQ have multiple concerns. IROQ does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
IROQ had positive earnings in the past year.
IROQ had a positive operating cash flow in the past year.
IROQ had positive earnings in each of the past 5 years.
IROQ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IROQ has a worse Return On Assets (0.48%) than 78.55% 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 76.23% 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
Looking at the Profit Margin, with a value of 16.68%, IROQ is doing worse than 72.87% of the companies in the same industry.
IROQ's Profit Margin has declined in the last couple of years.
IROQ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 1 year ago, IROQ has an improved debt to assets ratio.
2.2 Solvency
IROQ has a debt to FCF ratio of 2.88. This is a good value and a sign of high solvency as IROQ would need 2.88 years to pay back of all of its debts.
IROQ has a Debt to FCF ratio (2.88) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.23 indicates that IROQ is not too dependend on debt financing.
IROQ has a Debt to Equity ratio of 0.23. This is in the lower half of the industry: IROQ underperforms 62.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.04%
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 158.38% over the past year.
The Earnings Per Share has been growing slightly by 0.23% on average over the past years.
The Revenue has grown by 18.18% in the past year. This is quite good.
The Revenue has been growing slightly by 2.20% on average over the past years.
EPS 1Y (TTM)158.38%
EPS 3Y-9.45%
EPS 5Y0.23%
EPS Q2Q%118.73%
Revenue 1Y (TTM)18.18%
Revenue growth 3Y-2.46%
Revenue growth 5Y2.2%
Sales Q2Q%16.81%
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
IROQ is valuated correctly with a Price/Earnings ratio of 16.19.
73.39% of the companies in the same industry are cheaper than IROQ, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of IROQ to the average of the S&P500 Index (26.31), we can say IROQ is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.19 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IROQ is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)69.07
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
IROQ has a Yearly Dividend Yield of 1.54%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.33, IROQ is paying slightly less dividend.
IROQ's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
5.2 History
The dividend of IROQ is nicely growing with an annual growth rate of 6.77%!
IROQ has paid a dividend for at least 10 years, which is a reliable track record.
IROQ has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.77%
Div Incr Years9
Div Non Decr Years11
5.3 Sustainability
IROQ pays out 29.88% of its income as dividend. This is a 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 (11/28/2025, 7:39:51 PM)
26.07
+0.02 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners30.51%
Inst Owner Change2.91%
Ins Owners19.52%
Ins Owner Change0%
Market Cap87.33M
Revenue(TTM)26.85M
Net Income(TTM)4.30M
Analysts0
Price TargetN/A
Short Float %0.2%
Short Ratio0.85
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
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 | 16.19 | ||
| Fwd PE | N/A | ||
| P/S | 3.39 | ||
| P/FCF | 13.4 | ||
| P/OCF | 12.92 | ||
| P/B | 1.07 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.61
EY6.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.95
FCFY7.46%
OCF(TTM)2.02
OCFY7.74%
SpS7.7
BVpS24.43
TBVpS24
PEG (NY)N/A
PEG (5Y)69.07
Graham Number29.75
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
WACC16.04%
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)158.38%
EPS 3Y-9.45%
EPS 5Y0.23%
EPS Q2Q%118.73%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.18%
Revenue growth 3Y-2.46%
Revenue growth 5Y2.2%
Sales Q2Q%16.81%
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.