IROQ

NEUTRAL

$26.55 Live

IF Bancorp Inc · NASDAQ

$23.0 52W Range $29.0

IROQ IF Bancorp Inc - Fundamental Analysis

NEUTRAL

Console Chart News

IROQ Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$26.55

52W High

$29.0

52W Low

$23.0

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 12, 2026

Market cap

$88.98M

P/E

16.19

ROE

6.3%

Profit margin

18.1%

Debt/Equity

N/A

Dividend yield

0.02%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key Strengths

Trading below Graham Number and Intrinsic Value

Price-to-Book ratio under 1.0 (0.99)

Consistent YoY revenue and earnings growth (~8%)

Low payout ratio (24.39%) providing room for dividend increases

Positive long-term price performance (3Y Change +81.2%)

Key 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

Negligible dividend yield (0.02%)

Lack of institutional analyst coverage

AI Fair Value Estimate

Based on comprehensive analysis

$31.2

+17.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued but stagnant

Key drivers: Strong value metrics (P/B, Graham), Poor technical momentum, Mediocre operational efficiency (ROE/ROA)

Confidence

80%

Value

88/100

Ref P/E 16.19, P/B 0.99, Graham Number $31.52

Positives

P/B < 1
Price < Graham Number
Price < Intrinsic Value

Watchpoints

P/E of 16.19 is moderate for a regional bank

Future

55/100

Ref Growth rates and ROE

Positives

Steady YoY revenue growth (8.5%)
Strong Q/Q revenue growth (16.72%)

Watchpoints

Low ROE suggests limited ability to compound capital

Past

65/100

Ref Historical price changes

Positives

Strong 3Y and 5Y returns

Watchpoints

Recent 1-month and 1-week price declines

Health

44/100

Ref Piotroski F-Score 4/9

Positives

Piotroski F-Score of 4 indicates stability

Watchpoints

F-Score is not in the 'Strong' range (7-9)

Dividend

15/100

Ref Yield 0.02%, Payout 24.39%

Positives

Low payout ratio

Watchpoints

Extremely low yield (0.02%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$26.55

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for IROQ and closest competitors.

Updated 2026-03-17

Company	5Y	3Y	1Y	6M	1M	1W
IROQ IF Bancorp Inc Primary	+30.7%	+81.2%	+10.9%	+4.7%	-4.2%	-4.3%
FNWB First Northwest Bancorp Peer	-35.1%	-13.1%	-3.6%	+25.1%	+7.4%	+8.0%
FUSB First US Bancshares, Inc. Peer	+75.7%	+111.4%	+23.6%	+28.1%	+5.5%	+1.6%
AUBN Auburn National Bancorporation, Inc. Peer	-20.2%	+29.4%	+20.2%	-5.4%	-0.9%	+8.0%
BMHL Bluemount Holdings Limited Peer	-7.6%	-7.6%	-7.6%	-11.6%	+2.1%	-0.9%

IRO

IF Bancorp Inc

Primary

+30.7%

+81.2%

+10.9%

+4.7%

-4.2%

-4.3%

FNW

First Northwest Bancorp

Peer

-35.1%

-13.1%

-3.6%

+25.1%

+7.4%

+8.0%

FUS

First US Bancshares, Inc.

Peer

+75.7%

+111.4%

+23.6%

+28.1%

+5.5%

+1.6%

AUB

Auburn National Bancorporation, Inc.

Peer

-20.2%

+29.4%

+20.2%

-5.4%

-0.9%

+8.0%

BMH

Bluemount Holdings Limited

Peer

-7.6%

-11.6%

+2.1%

-0.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

16.19

N/A

0.99

3.12

5.63

N/A

$88.98M

Profitability

Profit margins and return metrics

Profit Margin 18.11%

Operating Margin 26.28%

Gross Margin N/A

ROE 6.33%

ROA 0.6%

Growth

Revenue and earnings growth rates

Revenue Growth +8.5%

Earnings Growth +8.3%

Q/Q Revenue Growth +16.72%

Q/Q Earnings Growth +8.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$2.79

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

18.1%

Total Assets

$0.8B

Liabilities

$0.7B

Equity

$0.1B

Debt/Equity

8.50x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

96%

Financial Services Sector Comparison

Comparing IROQ against 362 companies in the Financial Services sector (63 bullish, 158 neutral, 141 bearish)

P/E Ratio

16.19

This Stock

52.08

Sector Avg

-68.9% (Discount)

Return on Equity (ROE)

6.33%

This Stock

-0.05%

Sector Avg

-12217.2% (Below Avg)

Profit Margin

18.11%

This Stock

66.07%

Sector Avg

-72.6% (Weaker)

Revenue Growth

8.5%

This Stock

43.38%

Sector Avg

-80.4% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
IROQ IF Bancorp Inc	NEUTRAL	$88.98M	16.19	6.3%	18.1%	$26.55
FNWB First Northwest Bancorp	BEARISH	$88.93M	-	-2.7%	-6.9%	$9.91	Compare
FUSB First US Bancshares, Inc.	NEUTRAL	$90.25M	15.65	5.9%	16.2%	$15.65	Compare
AUBN Auburn National...	NEUTRAL	$91.69M	12.62	8.2%	22.1%	$26.25	Compare
BMHL Bluemount Holdings Limited	BEARISH	$94.3M	73.9	30.3%	18.9%	$3.69	Compare

IROQ IF Bancorp Inc

NEUTRAL

Mkt Cap

$89M

P/E

16.2

ROE

6.3%

Price

$26.55

FNWB First Northwest Bancorp

Compare with IROQ

Compare with IROQ

Compare with IROQ

Compare with IROQ

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-11	CHAMBERLAIN THOMAS J	President	Gift	4,594	-

CHAMBERLAIN THOMAS J

President

Gift

2026-03-11

4,594 shares

Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning IROQ from our newsroom.

Newest → oldest

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IROQ

IROQ IF Bancorp Inc - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

Past News Coverage

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