IF BANCORP INC (IROQ) Fundamental Analysis & Valuation

NASDAQ:IROQ • US44951J1051

27.81 USD
-0.19 (-0.68%)
Last: Mar 5, 2026, 04:58 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This IROQ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Overall IROQ gets a fundamental rating of 2 out of 10. We evaluated IROQ against 379 industry peers in the Banks industry. IROQ has a bad profitability rating. Also its financial health evaluation is rather negative. IROQ is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. IROQ Profitability Analysis

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.
  • Each year in the past 5 years IROQ had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2M 4M 6M 8M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.59%, IROQ is doing worse than 75.20% of the companies in the same industry.
  • IROQ's Return On Equity of 5.99% is on the low side compared to the rest of the industry. IROQ is outperformed by 74.14% of its industry peers.
Industry RankSector Rank
ROA 0.59%
ROE 5.99%
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
IROQ Yearly ROA, ROE, ROICIROQ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • IROQ has a worse Profit Margin (18.85%) than 71.77% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 18.85%
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
IROQ Yearly Profit, Operating, Gross MarginsIROQ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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2

2. IROQ Health Analysis

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.
  • Compared to 5 years ago, IROQ has more shares outstanding
  • IROQ has a better debt/assets ratio than last year.
IROQ Yearly Shares OutstandingIROQ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0
IROQ Yearly Total Debt VS Total AssetsIROQ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • The Debt to FCF ratio of IROQ is 4.72, which is a neutral value as it means it would take IROQ, 4.72 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of IROQ (4.72) is worse than 69.39% of its industry peers.
  • A Debt/Equity ratio of 0.21 indicates that IROQ is not too dependend on debt financing.
  • IROQ has a Debt to Equity ratio of 0.21. This is comparable to the rest of the industry: IROQ outperforms 40.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 4.72
Altman-Z N/A
ROIC/WACCN/A
WACC15.72%
IROQ Yearly LT Debt VS Equity VS FCFIROQ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. IROQ Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 74.12% 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 18.04% in the past year. This is quite good.
  • IROQ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.20% yearly.
EPS 1Y (TTM)74.12%
EPS 3Y-9.45%
EPS 5Y0.23%
EPS Q2Q%8.36%
Revenue 1Y (TTM)18.04%
Revenue growth 3Y-2.46%
Revenue growth 5Y2.2%
Sales Q2Q%16.85%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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1

4. IROQ Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.96, which indicates a correct valuation of IROQ.
  • Based on the Price/Earnings ratio, IROQ is valued a bit more expensive than the industry average as 79.42% of the companies are valued more cheaply.
  • IROQ is valuated rather cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.96
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 76.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 24.24
EV/EBITDA N/A
IROQ Per share dataIROQ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)72.33
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. IROQ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.44%, IROQ has a reasonable but not impressive dividend return.
  • IROQ's Dividend Yield is slightly below the industry average, which is at 2.72.
  • Compared to the average S&P500 Dividend Yield of 1.82, IROQ is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.44%

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 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
IROQ Yearly Dividends per shareIROQ Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • IROQ pays out 25.40% 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.
DP25.4%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2M 4M 6M 8M
IROQ Dividend Payout.IROQ Dividend Payout, showing the Payout Ratio.IROQ Dividend Payout.PayoutRetained Earnings

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IROQ Fundamentals: All Metrics, Ratios and Statistics

IF BANCORP INC

NASDAQ:IROQ (3/5/2026, 4:58:16 PM)

27.81

-0.19 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-27
Inst Owners31.27%
Inst Owner Change-2.87%
Ins Owners18.7%
Ins Owner Change0%
Market Cap93.16M
Revenue(TTM)27.91M
Net Income(TTM)5.06M
Analysts0
Price TargetN/A
Short Float %0.19%
Short Ratio0.39
Dividend
Industry RankSector Rank
Dividend Yield 1.44%
Yearly Dividend0.38
Dividend Growth(5Y)6.77%
DP25.4%
Div Incr Years9
Div Non Decr Years11
Ex-DateN/A
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 16.96
Fwd PE N/A
P/S 3.47
P/FCF 24.24
P/OCF 22.97
P/B 1.1
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)1.64
EY5.9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.15
FCFY4.12%
OCF(TTM)1.21
OCFY4.35%
SpS8.02
BVpS25.23
TBVpS24.8
PEG (NY)N/A
PEG (5Y)72.33
Graham Number30.51
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 5.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.85%
GM N/A
FCFM 14.31%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 4.72
Debt/EBITDA N/A
Cap/Depr 34.03%
Cap/Sales 0.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 75.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.72%
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)74.12%
EPS 3Y-9.45%
EPS 5Y0.23%
EPS Q2Q%8.36%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.04%
Revenue growth 3Y-2.46%
Revenue growth 5Y2.2%
Sales Q2Q%16.85%
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 1Y119.6%
FCF growth 3Y-7.66%
FCF growth 5Y-0.66%
OCF growth 1Y-0.1%
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 of IF BANCORP INC (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.


What are the PE and PB ratios of IF BANCORP INC (IROQ) stock?

The Price/Earnings (PE) ratio for IF BANCORP INC (IROQ) is 16.96 and the Price/Book (PB) ratio is 1.1.


How sustainable is the dividend of IF BANCORP INC (IROQ) stock?

The dividend rating of IF BANCORP INC (IROQ) is 5 / 10 and the dividend payout ratio is 25.4%.