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IF Bancorp, Inc. IROQ NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

IF Bancorp, Inc. (IROQ) is a Banks - Regional company in the Financial Services sector, currently trading at $26.55. It has a SharesGrow Score of 57/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $48M, +17.2%/yr average growth. Net income is $4M, growing at +19.8%/yr. Net profit margin is 8.9% (thin). Gross margin is 54.7% (-35.3 pp trend).

Balance sheet: total debt is $73M against $82M equity (Debt-to-Equity (D/E) ratio 0.89, moderate). Current ratio is 0 (tight liquidity). Debt-to-assets is 8.2%. Total assets: $888M.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 80/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 45/100 (Partial).

IROQ SharesGrow Score Overview

59/100

SharesGrow Score

Above average fundamentals

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VALUE 75/100

Valuation — P/E, PEG, Forward PEG

GROWTH 80/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 45/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — IROQ

IROQ trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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IROQ: +17.2%/yr revenue is, +19.8%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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IROQ: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet IROQ: Debt-to-Equity (D/E) ratio 0.89 (moderate), Current ratio is 0 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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IROQ: Gross margin is 54.7% (-35.3 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

IROQ: Net profit margin is 8.9%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range23-29

Volume103.16K

Avg Volume (30D)14.79K

Market Cap$88.98M

Beta (1Y)0.18

Dividend Yield$0.2000

Share Statistics

EPS (TTM)1.37

Shares Outstanding$3.28M

IPO Date2011-07-08

Employees109

CEOThomas J. Chamberlain

Financial Highlights & Ratios

Revenue (TTM)$48.37M

Gross Profit$26.47M

EBITDA$6.54M

Net Income$4.3M

Operating Income$5.92M

Total Cash$4.97M

Total Debt$72.92M

Net Debt$52.83M

Total Assets$887.66M

Price / Earnings (P/E)19.4

Price / Sales (P/S)1.84

Analyst Forecast

Company Info

CountryUS

ExchangeNASDAQ Capital Marke

CurrencyUSD

ISINUS44951J1051

Price Chart

IROQ

IF Bancorp, Inc. ↗ · NASDAQ Capital Marke

Financial Services • Banks - Regional

23.00 52WK RANGE 29.00

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