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IROQ vs JPM

IROQ
IF Bancorp Inc
NEUTRAL
Price
$26.55
Market Cap
$89.0M
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
IROQ
16.19
JPM
14.69
Forward P/E
IROQ
--
JPM
12.62
P/B Ratio
IROQ
0.99
JPM
2.32
P/S Ratio
IROQ
3.12
JPM
4.72
EV/EBITDA
IROQ
--
JPM
--

Profitability

Gross Margin
IROQ
0.0%
JPM
0.0%
Operating Margin
IROQ
26.28%
JPM
41.06%
Profit Margin
IROQ
18.11%
JPM
33.91%
ROE
IROQ
6.33%
JPM
16.13%
ROA
IROQ
0.6%
JPM
1.35%

Growth

Revenue Growth
IROQ
8.5%
JPM
2.5%
Earnings Growth
IROQ
8.3%
JPM
-3.6%

Financial Health

Debt/Equity
IROQ
--
JPM
--
Current Ratio
IROQ
--
JPM
--
Quick Ratio
IROQ
--
JPM
--

Dividends

Dividend Yield
IROQ
0.02%
JPM
2.11%
Payout Ratio
IROQ
24.39%
JPM
28.97%

AI Verdict

IROQ NEUTRAL

IROQ presents as a classic value play, trading below its Graham Number ($31.52) and Intrinsic Value ($31.90) with a Price-to-Book ratio of 0.99. However, a Piotroski F-Score of 4/9 indicates only stable financial health, and the technical trend is currently bearish (0/100). While revenue and earnings growth remain positive at approximately 8%, the low ROE (6.33%) and ROA (0.60%) suggest inefficient capital utilization. The lack of analyst coverage and negligible dividend yield further temper the bullish value case.

Strengths
Trading below Graham Number and Intrinsic Value
Price-to-Book ratio under 1.0 (0.99)
Consistent YoY revenue and earnings growth (~8%)
Risks
Bearish technical trend (0/100 score)
Very low Return on Assets (0.60%) and Return on Equity (6.33%)
Micro-cap status ($0.09B) leads to higher volatility and liquidity risk
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

IROQ vs JPM: Head-to-Head Comparison

This page compares IF Bancorp Inc (IROQ) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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