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Company Analysis

Income Opportunity Realty Inves IOR

A comprehensive view of key metrics, scores, and financial health for Income Opportunity Realty Inves

Overview of Income Opportunity Realty Investors, Inc.

IOR ASE
Financial Services Mortgage Finance Micro Cap
Income Opportunity Realty Investors, Inc. (IOR), is a Micro Cap company, in the Mortgage Finance industry, last closed at $17.90, about 77.7% undervalued vs fair value, +2.3% 1Y return, ranked 729/1037 in sector.
$17.90
0.00%
As of April 27, 2026
Previous close • Vol 90d: 33.6%
52-Week Range
Market Cap
$72.80M
Enterprise Value
$72.79M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 87%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.incomeopp-realty.c...
HQ Dallas, TX
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$18
$32
$60
Current: $17.90 +78% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$6.3M
-37.4%%
Interest Expense
$1.6M
Net Interest Income
$6.6M
33.3%%
Total Revenue
$6.3M
-37.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.8%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$802.0K
17.2% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Income Opportunity Realty Inves's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
88
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 75% Coverage
Trade-Off Triangle Visualization A ternary plot showing IOR's balance between Growth (30.7%), Profitability (33.6%), and Safety (35.7%). Growth 31% Safety 36% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

51th percentile vs peers
52
Key Signals
NII Growth YoY 33.3% 80p Asset Growth YoY 3.3% 38p Equity Growth YoY 3.3% 60p EPS Growth YoY -32.2% 18p
Strengths
  • NII Growth YoY in top 20% of peers (33.3%, 80th percentile)
  • Net Interest Margin in top 20% of peers (5.9%, 92th percentile)
  • ROA in top 20% of peers (3.9%, 94th percentile)
  • Equity/Assets in top 20% of peers (1.00, 94th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-32.2%)

Profitability

56th percentile vs peers
57
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
60
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Income Opportunity Realty Inves.

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This company cannot be valued using standard models.

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Bear
-
- - -
- upside
-
Base
$31.81
- - -
+77.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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