26.2 USD
-0.05 (-0.19%)
We assign a fundamental rating of 2 out of 10 to IROQ. IROQ was compared to 386 industry peers in the Banks industry. Both the profitability and financial health of IROQ have multiple concerns. IROQ has a expensive valuation and it also scores bad on growth.
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
The Return On Assets of IROQ (0.59%) is worse than 73.32% of its industry peers.
The Return On Equity of IROQ (5.99%) is worse than 73.58% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
IROQ's Profit Margin of 18.85% is on the low side compared to the rest of the industry. IROQ is outperformed by 68.91% 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 Rank | Sector 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
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 remains at a similar level compared to 1 year ago.
Compared to 5 years ago, IROQ has more shares outstanding
The debt/assets ratio for IROQ has been reduced compared to a year ago.
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.
IROQ's Debt to FCF ratio of 4.72 is on the low side compared to the rest of the industry. IROQ is outperformed by 70.21% 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 in the lower half of the industry: IROQ underperforms 60.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 4.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IROQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 158.38%, which is quite impressive.
Measured over the past 5 years, IROQ shows a small growth in Earnings Per Share. The EPS has been growing by 0.23% on average per year.
The Revenue has grown by 18.18% in the past year. This is quite good.
Measured over the past years, IROQ shows a small growth in Revenue. The Revenue has been growing by 2.20% on average per year.
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
The Price/Earnings ratio is 16.27, which indicates a correct valuation of IROQ.
IROQ's Price/Earnings ratio is a bit more expensive when compared to the industry. IROQ is more expensive than 72.28% of the companies in the same industry.
When comparing the Price/Earnings ratio of IROQ to the average of the S&P500 Index (26.54), we can say IROQ is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.27 | ||
| Fwd PE | N/A |
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 73.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)69.41
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
IROQ has a Yearly Dividend Yield of 1.52%.
IROQ's Dividend Yield is slightly below the industry average, which is at 2.87.
IROQ's Dividend Yield is slightly below the S&P500 average, which is at 1.96.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
5.2 History
The dividend of IROQ is nicely growing with an annual growth rate of 6.77%!
IROQ has been paying a dividend for at least 10 years, so it has 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)6.77%
Div Incr Years9
Div Non Decr Years11
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
NASDAQ:IROQ (12/12/2025, 8:00:02 PM)
26.2
-0.05 (-0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners31.27%
Inst Owner Change2.91%
Ins Owners18.7%
Ins Owner Change0%
Market Cap87.77M
Revenue(TTM)26.85M
Net Income(TTM)5.06M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio0.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
Yearly Dividend0.38
Dividend Growth(5Y)6.77%
DP25.4%
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 | 16.27 | ||
| Fwd PE | N/A | ||
| P/S | 3.27 | ||
| P/FCF | 22.84 | ||
| P/OCF | 21.64 | ||
| P/B | 1.04 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.61
EY6.15%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.15
FCFY4.38%
OCF(TTM)1.21
OCFY4.62%
SpS8.02
BVpS25.23
TBVpS24.8
PEG (NY)N/A
PEG (5Y)69.41
Graham Number30.23
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.18%
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 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 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.