IF BANCORP INC (IROQ) Fundamental Analysis & Valuation

NASDAQ:IROQ • US44951J1051

Current stock price

26.55 USD
-0.4 (-1.48%)
Last:

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

2

1. IROQ Profitability Analysis

1.1 Basic Checks

  • IROQ had positive earnings in the past year.
  • IROQ had a positive operating cash flow in the past year.
  • In the past 5 years IROQ has always been profitable.
  • IROQ had a positive operating cash flow in each of the past 5 years.
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 0.62%, IROQ is doing worse than 75.59% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 5.92%, IROQ is doing worse than 75.85% of the companies in the same industry.
Industry RankSector Rank
ROA 0.62%
ROE 5.92%
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

  • With a Profit Margin value of 18.53%, IROQ is not doing good in the industry: 74.80% of the companies in the same industry are doing better.
  • IROQ's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for IROQ so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.53%
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.
  • The number of shares outstanding for IROQ remains at a similar level compared to 1 year ago.
  • 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.
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

  • IROQ has a debt to FCF ratio of 2.93. This is a good value and a sign of high solvency as IROQ would need 2.93 years to pay back of all of its debts.
  • IROQ has a Debt to FCF ratio (2.93) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.19 indicates that IROQ is not too dependend on debt financing.
  • IROQ has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: IROQ outperforms 44.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.93
Altman-Z N/A
ROIC/WACCN/A
WACC16.12%
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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3

3. IROQ Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 72.77% 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.
  • Looking at the last year, IROQ shows a quite strong growth in Revenue. The Revenue has grown by 18.04% in the last year.
  • IROQ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.20% yearly.
EPS 1Y (TTM)72.77%
EPS 3Y-9.45%
EPS 5Y0.23%
EPS Q2Q%7.76%
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

  • With a Price/Earnings ratio of 16.19, IROQ is valued correctly.
  • Based on the Price/Earnings ratio, IROQ is valued a bit more expensive than the industry average as 78.74% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of IROQ to the average of the S&P500 Index (26.78), we can say IROQ is valued slightly cheaper.
Industry RankSector Rank
PE 16.19
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

  • Based on the Price/Free Cash Flow ratio, IROQ is valued a bit more expensive than the industry average as 66.40% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.33
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)69.05
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. IROQ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.51%, IROQ has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.73, IROQ is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.89, IROQ is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.51%

5.2 History

  • The dividend of IROQ is nicely growing with an annual growth rate of 6.78%!
  • 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)6.78%
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 25.00% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of IROQ is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25%
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 (3/12/2026, 8:00:02 PM)

26.55

-0.4 (-1.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-27
Inst Owners28.34%
Inst Owner Change0%
Ins Owners18.7%
Ins Owner Change-1301.36%
Market Cap88.94M
Revenue(TTM)27.91M
Net Income(TTM)5.17M
Analysts0
Price TargetN/A
Short Float %0%
Short Ratio0
Dividend
Industry RankSector Rank
Dividend Yield 1.51%
Yearly Dividend0.38
Dividend Growth(5Y)6.78%
DP25%
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 16.19
Fwd PE N/A
P/S 3.19
P/FCF 15.33
P/OCF 14.79
P/B 1.02
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)1.64
EY6.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.73
FCFY6.52%
OCF(TTM)1.8
OCFY6.76%
SpS8.33
BVpS26.08
TBVpS25.65
PEG (NY)N/A
PEG (5Y)69.05
Graham Number31.02
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 5.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.53%
GM N/A
FCFM 20.79%
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 RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.93
Debt/EBITDA N/A
Cap/Depr 34.36%
Cap/Sales 0.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.12%
ROIC/WACCN/A
Cap/Depr(3y)139.06%
Cap/Depr(5y)103.14%
Cap/Sales(3y)3.57%
Cap/Sales(5y)2.63%
Profit Quality(3y)92.01%
Profit Quality(5y)108.49%
High Growth Momentum
Growth
EPS 1Y (TTM)72.77%
EPS 3Y-9.45%
EPS 5Y0.23%
EPS Q2Q%7.76%
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 1Y431.32%
FCF growth 3Y-7.66%
FCF growth 5Y-0.66%
OCF growth 1Y80.11%
OCF growth 3Y-7.96%
OCF growth 5Y-0.41%

IF BANCORP INC / IROQ Fundamental Analysis 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.


Can you provide the profitability details for IF BANCORP INC?

IF BANCORP INC (IROQ) has a profitability rating of 2 / 10.


Can you provide the financial health for IROQ stock?

The financial health rating of IF BANCORP INC (IROQ) is 2 / 10.


Is the dividend of IF BANCORP INC sustainable?

The dividend rating of IF BANCORP INC (IROQ) is 5 / 10 and the dividend payout ratio is 25%.