IF BANCORP INC(NASDAQ:IROQ) stock Fundamental Analysis

Fundamental Rating

IROQ gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 405 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.

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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.

Each year in the past 5 years IROQ has been profitable.

IROQ had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

IROQ has a Return On Assets of 0.22%. This is amonst the worse of the industry: IROQ underperforms 87.72% of its industry peers.

With a Return On Equity value of 2.48%, IROQ is not doing good in the industry: 85.71% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.22%
ROE	2.48%
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

1.3 Margins

With a Profit Margin value of 8.61%, IROQ is not doing good in the industry: 85.96% of the companies in the same industry are doing better.

In the last couple of years the Profit Margin of IROQ has declined.

The Operating Margin and Gross Margin are not available for IROQ so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	8.61%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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 has been reduced compared to 1 year ago.

The number of shares outstanding for IROQ has been reduced compared to 5 years ago.

The debt/assets ratio for IROQ is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of IROQ is 13.38, which is on the high side as it means it would take IROQ, 13.38 years of fcf income to pay off all of its debts.

IROQ's Debt to FCF ratio of 13.38 is on the low side compared to the rest of the industry. IROQ is outperformed by 74.69% of its industry peers.

IROQ has a Debt/Equity ratio of 0.55. This is a neutral value indicating IROQ is somewhat dependend on debt financing.

IROQ has a worse Debt to Equity ratio (0.55) than 77.94% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.55
Debt/FCF	13.38
Altman-Z	N/A

ROIC/WACCN/A

WACC17.81%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

IROQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.22%, which is quite impressive.

IROQ shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.76% yearly.

Looking at the last year, IROQ shows a small growth in Revenue. The Revenue has grown by 3.93% in the last year.

The Revenue has been growing slightly by 0.08% on average over the past years.

EPS 1Y (TTM)55.22%

EPS 3Y-31%

EPS 5Y-10.76%

EPS Q2Q%555.31%

Revenue 1Y (TTM)3.93%

Revenue growth 3Y-5.78%

Revenue growth 5Y0.08%

Sales Q2Q%17.25%

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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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 25.50, IROQ can be considered very expensive at the moment.

IROQ's Price/Earnings ratio is rather expensive when compared to the industry. IROQ is more expensive than 83.96% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 29.63. IROQ is around the same levels.

		Industry Rank	Sector Rank
PE	25.5
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, IROQ is valued a bit more expensive than the industry average as 72.93% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	24.94
EV/EBITDA	N/A

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. Dividend

5.1 Amount

IROQ has a Yearly Dividend Yield of 1.64%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.18, IROQ is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 2.27, IROQ is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.64%

5.2 History

The dividend of IROQ is nicely growing with an annual growth rate of 10.30%!

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)10.3%

Div Incr Years9

Div Non Decr Years11

5.3 Sustainability

65.36% of the earnings are spent on dividend by IROQ. This is not a sustainable payout ratio.

The Dividend Rate of IROQ has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP65.36%

EPS Next 2YN/A

EPS Next 3YN/A

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IF BANCORP INC

NASDAQ:IROQ (2/21/2025, 8:00:02 PM)

23.97

-0.36 (-1.48%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-24 2025-01-24

Earnings (Next)04-28 2025-04-28

Inst Owners29.21%

Inst Owner Change-68.04%

Ins Owners19.52%

Ins Owner Change0.12%

Market Cap80.30M

Analysts0

Price TargetN/A

Short Float %0.4%

Short Ratio4.21

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.64%

Yearly Dividend0.38

Dividend Growth(5Y)10.3%

DP65.36%

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 Rank	Sector Rank
PE	25.5
Fwd PE	N/A
P/S	3.53
P/FCF	24.94
P/OCF	23.28
P/B	1.02
P/tB	1.04
EV/EBITDA	N/A

EPS(TTM)0.94

EY3.92%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.96

FCFY4.01%

OCF(TTM)1.03

OCFY4.3%

SpS6.78

BVpS23.51

TBVpS23.1

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.22%
ROE	2.48%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	8.61%
GM	N/A
FCFM	14.17%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.55
Debt/FCF	13.38
Debt/EBITDA	N/A
Cap/Depr	35.5%
Cap/Sales	1.01%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	164.54%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC17.81%

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)55.22%

EPS 3Y-31%

EPS 5Y-10.76%

EPS Q2Q%555.31%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.93%

Revenue growth 3Y-5.78%

Revenue growth 5Y0.08%

Sales Q2Q%17.25%

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 1Y-59.39%

FCF growth 3Y-32.4%

FCF growth 5Y-15.37%

OCF growth 1Y-58.5%

OCF growth 3Y-30.73%

OCF growth 5Y-17.01%

IF BANCORP INC (IROQ) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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