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Company Analysis

IF Bancorp, Inc. IROQ

A comprehensive view of key metrics, scores, and financial health for IF Bancorp, Inc.

Overview of IF Bancorp, Inc.

IROQ NCM
Financial Services Banks - Regional Framework: Banks & Lenders Micro Cap
IF Bancorp, Inc. (IROQ), is a Micro Cap company, in the Banks - Regional industry, last closed at $26.55, about 5.0% undervalued vs fair value, +6.8% 1Y return, ranked 326/1078 in sector.
Metrics Rev Growth 16.5% ROE 4.4% Gross Margin 102.7% Div Yield 1.58%
USD 26.55
0.00%
(Delayed)
• Vol 90d: 11.8%
52-Week Range
Market Cap
$92.97M
Enterprise Value
$150.55M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://iroquoisfed.com
HQ Watseka, IL
Employees 102
Fiscal year Jun 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$28
$52
Current: $26.55 +5% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$43.0M
5.8%%
Interest Expense
$22.6M
Net Interest Income
$20.4M
17.3%%
Total Revenue
$25.8M
16.5%%
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
4.3%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating IF Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
39
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
37
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing IROQ's balance between Growth (35.4%), Profitability (19.8%), and Safety (44.8%). Growth 35% Safety 45% Profitability 20%

Click axes to expand details. Marker shows current allocation.

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Growth

34th percentile vs peers
34
Key Signals
NII Growth YoY 17.3% 71p Asset Growth YoY -0.0% 16p Equity Growth YoY 3.6% 26p EPS Growth YoY -60.8% 8p
Strengths
  • Dividends/Tangible Equity in top 20% of peers (1.3%, 84th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-0.0%)
  • EPS Growth YoY in bottom 20% of peers (-60.8%)

Profitability

19th percentile vs peers
19
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for IF Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.89
- - -
+5.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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