Income Opportunity Realty Investors, Inc.(IOR)Earnings, Financials & Key Ratios
IOR•AMEX•Banking & Credit
$17.93
$73M mkt cap·15.7× P/E·Price updated May 6, 2026
AboutIncome Opportunity Realty Investors, Inc., a Dallas-based real estate investment company, holds a portfolio of equity real estate in Texas, including undeveloped land. The Company invests in real estate through direct equity ownership and partnerships. For more information, visit the Company's website at www.incomeopp-realty.com.Show more
- Net Interest Income$6M-37.4%
- Total Revenue$6M-37.4%
- Net Income$5M-33.6%
- Return on Equity3.88%-36.3%
- Net Interest Margin5.17%-39.4%
- Efficiency Ratio106.54%-7.0%
- ROA3.88%-36.3%
- Equity / Assets100%
- Book Value per Share29.88+5.4%
- Tangible BV/Share29.88+5.4%
IOR Key Insights
Income Opportunity Realty Investors, Inc. (IOR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 5.2%
- ✓Well capitalized: 100.0% equity/assets
- ✓Trading at only 0.6x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 4.5%
- ✗Weak Piotroski F-Score: 3/9
- ✗High cost structure: 106.5% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
IOR Price & Volume
Income Opportunity Realty Investors, Inc. (IOR) stock price & volume — 10-year historical chart
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IOR Growth Metrics
Income Opportunity Realty Investors, Inc. (IOR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years2.91%
5 Years-0.85%
3 Years8.34%
TTM-
Profit CAGR
10 Years11.55%
5 Years2.33%
3 Years8.93%
TTM-31.35%
EPS CAGR
10 Years11.91%
5 Years2.86%
3 Years9.85%
TTM-31.51%
Return on Capital
10 Years-1.44%
5 Years-1.23%
3 Years-1.03%
Last Year-0.34%
IOR Peer Comparison
Income Opportunity Realty Investors, Inc. (IOR) competitors in Mortgage REITs and investment vehicles — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ARL | 226.61M | 14.03 | 14.46 | 5.7% | -5.67% | -0.35% | ||
 TCI | 309.11M | 35.78 | 52.62 | -4.81% | 12.04% | 0.66% | 0.42% | 0.21 |
 NXRT | 748.15M | 29.48 | -23.40 | -3.24% | -12.67% | -10.13% | 11.17% | 5.18 |
 UMH | 1.34B | 15.70 | 224.29 | 8.81% | 10.79% | 2.36% | 6.13% | 0.84 |
 GOOD | 623M | 12.87 | 31.39 | 8% | 12.75% | 9.74% | 14.15% | 2.50 |
 NNN | 8.45B | 44.41 | 21.45 | 6.55% | 41.38% | 8.81% | 7.9% | 1.09 |
 O | 59.37B | 63.57 | 54.33 | 9.07% | 18.41% | 2.64% | 6.73% | |
 STAG | 7.28B | 38.05 | 26.06 | 10.14% | 28.26% | 6.8% | 5.52% | 0.90 |
Compare IOR vs Peers
Income Opportunity Realty Investors, Inc. (IOR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
IOR Income Statement
Income Opportunity Realty Investors, Inc. (IOR) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 4.49M | 4.24M | 4.88M | 6.57M | 5.37M | 4.95M | 6.6M | 10.07M | 6.3M | 4.22M |
| NII Growth % | 20.68% | -5.72% | 15.18% | 34.71% | -18.27% | -7.82% | 33.29% | 52.53% | -37.45% | -84.56% |
| Net Interest Margin % | 5.2% | 4.82% | 5.08% | 6.56% | 5.14% | 4.58% | 5.9% | 8.53% | 5.17% | 3.37% |
| Interest Income | 4.49M | 4.24M | 4.88M | 6.57M | 5.37M | 4.95M | 6.6M | 10.07M | 6.3M | 4.22M |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.4M |
| Non-Interest Income % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 24.86% |
| Total Revenue | 4.49M▲ 0% | 4.24M▼ 5.7% | 4.88M▲ 15.2% | 6.57M▲ 34.7% | 5.37M▼ 18.3% | 4.95M▼ 7.8% | 6.6M▲ 33.3% | 10.07M▲ 52.5% | 6.3M▼ 37.4% | 5.61M▲ 0% |
| Revenue Growth % | 2.7% | -5.72% | 15.18% | 34.71% | -18.27% | -7.82% | 33.29% | 52.53% | -37.45% | -91.12% |
| Non-Interest Expense | 5.79M | 5.58M | 6.69M | 8.16M | 6.96M | 6.53M | 8.23M | 11.53M | 6.71M | 6M |
| Efficiency Ratio | 128.75% | 131.81% | 137.09% | 124.16% | 129.57% | 131.86% | 124.63% | 114.5% | 106.54% | 106.91% |
| Operating Income | -1.29M▲ 0% | -1.35M▼ 4.3% | -1.81M▼ 34.3% | -1.59M▲ 12.3% | -1.59M▼ 0.1% | -1.58M▲ 0.7% | -1.63M▼ 3.0% | -1.46M▲ 10.2% | -412K▲ 71.8% | -388K▲ 0% |
| Operating Margin % | -28.75% | -31.81% | -37.09% | -24.16% | -29.57% | -31.86% | -24.63% | -14.5% | -6.54% | -6.91% |
| Operating Income Growth % | 8.89% | -4.33% | -34.27% | 12.27% | -0.06% | 0.69% | -3.04% | 10.21% | 71.78% | - |
| Pretax Income | 3.2M▲ 0% | 3.14M▼ 2.0% | 10.39M▲ 231.1% | 5.22M▼ 49.7% | 5.33M▲ 2.1% | 4.55M▼ 14.6% | 4.98M▲ 9.3% | 8.61M▲ 73.0% | 5.89M▼ 31.6% | 5.22M▲ 0% |
| Pretax Margin % | 71.25% | 74.09% | 212.97% | 79.45% | 99.27% | 91.94% | 75.37% | 85.5% | 93.46% | 93.09% |
| Income Tax | 1.12M | 1.63M | 2.18M | 1.08M | 1.12M | 956K | 1.04M | 1.61M | 1.24M | 1.1M |
| Effective Tax Rate % | 35.01% | 51.96% | 21% | 20.64% | 21% | 20.99% | 21% | 18.69% | 21% | 20.98% |
| Net Income | 2.08M▲ 0% | 1.51M▼ 27.5% | 8.21M▲ 444.4% | 4.14M▼ 49.5% | 4.21M▲ 1.7% | 3.6M▼ 14.6% | 3.93M▲ 9.3% | 7M▲ 78.1% | 4.65M▼ 33.6% | 4.13M▲ 0% |
| Net Margin % | 46.31% | 35.59% | 168.24% | 63.05% | 78.43% | 72.64% | 59.54% | 69.52% | 73.84% | 73.55% |
| Net Income Growth % | 38.83% | -27.53% | 444.43% | -49.51% | 1.66% | -14.62% | 9.26% | 78.1% | -33.57% | -31.35% |
| Net Income (Continuing) | 2.08M | 1.51M | 8.21M | 4.14M | 4.21M | 3.6M | 3.93M | 7M | 4.65M | 4.13M |
| EPS (Diluted) | 0.50▲ 0% | 0.36▼ 28.0% | 1.97▲ 447.2% | 0.99▼ 49.7% | 1.01▲ 2.0% | 0.86▼ 14.9% | 0.94▲ 9.3% | 1.68▲ 78.7% | 1.14▼ 32.1% | 1.02▲ 0% |
| EPS Growth % | 38.89% | -28% | 447.22% | -49.75% | 2.02% | -14.85% | 9.3% | 78.72% | -32.14% | -31.51% |
| EPS (Basic) | 0.50 | 0.36 | 1.97 | 0.99 | 1.01 | 0.86 | 0.94 | 1.68 | 1.14 | - |
| Diluted Shares Outstanding | 4.17M | 4.17M | 4.17M | 4.17M | 4.17M | 4.17M | 4.17M | 4.16M | 4.08M | 4.07M |
IOR Balance Sheet
Income Opportunity Realty Investors, Inc. (IOR) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1K | 2K | 4K | 5K | 12K | 2K | 6K | 71K | 9K | 282K |
| Cash & Due from Banks | 1K | 2K | 4K | 5K | 12K | 2K | 6K | 71K | 9K | 6K |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments Growth % | - | - | - | - | - | - | - | - | - | 0% |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 37.77M | 49.63M | 82.09M | 86.22M | 90.53M | 96.3M | 100.13M | 293K | 110.77M | 141K |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 22.72M | 22.72M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | -60.49M | -86.38M | -82.09M | 0 | 13.13M | 11.17M | 11.17M | 11.17M | 11.15M | 11.07M |
| Total Current Assets | 37.77M | 63.66M | 96.12M | 100.26M | 91.34M | 96.89M | 100.82M | 106.91M | 110.78M | 113.87M |
| Total Non-Current Assets | 48.63M | 24.23M | 14.03M | 0 | 13.13M | 11.17M | 11.17M | 11.17M | 11.15M | 11.07M |
| Total Assets | 86.4M▲ 0% | 87.9M▲ 1.7% | 96.12M▲ 9.4% | 100.26M▲ 4.3% | 104.47M▲ 4.2% | 108.07M▲ 3.4% | 111.99M▲ 3.6% | 118.08M▲ 5.4% | 121.93M▲ 3.3% | 124.94M▲ 0% |
| Asset Growth % | 2.49% | 1.73% | 9.36% | 4.3% | 4.2% | 3.44% | 3.63% | 5.44% | 3.26% | 13.66% |
| Return on Assets (ROA) | 2.44% | 1.73% | 8.92% | 4.22% | 4.12% | 3.39% | 3.57% | 6.09% | 3.88% | 3.3% |
| Accounts Payable | 23K | 10K | 26K | 14K | 12K | 12K | 4K | 0 | 0 | 4K |
| Total Debt | 2.26M | 1.52M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Debt | 2.26M | 1.51M | -4K | -5K | -12K | -2K | -6K | -71K | -9K | -6K |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | -23K | -10K | -26K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 23K | 10K | 26K | 14K | 12K | 12K | 4K | 0 | 0 | 4K |
| Total Non-Current Liabilities | -37.75M | -63.65M | -96.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 23K | 10K | 26K | 14K | 12K | 12K | 4K | 0 | 0 | 4K |
| Total Equity | 86.38M▲ 0% | 87.89M▲ 1.7% | 96.09M▲ 9.3% | 100.24M▲ 4.3% | 104.46M▲ 4.2% | 108.05M▲ 3.4% | 111.98M▲ 3.6% | 118.08M▲ 5.4% | 121.93M▲ 3.3% | 124.94M▲ 0% |
| Equity Growth % | 2.47% | 1.74% | 9.34% | 4.32% | 4.2% | 3.44% | 3.64% | 5.44% | 3.26% | 13.66% |
| Equity / Assets (Capital Ratio) | 99.97% | 99.99% | 99.97% | 99.99% | 99.99% | 99.99% | 100% | 100% | 100% | 100% |
| Return on Equity (ROE) | 2.44% | 1.73% | 8.92% | 4.22% | 4.12% | 3.39% | 3.57% | 6.09% | 3.88% | 3.3% |
| Book Value per Share | 20.72 | 21.09 | 23.05 | 24.02 | 25.06 | 25.92 | 26.87 | 28.36 | 29.88 | 30.73 |
| Tangible BV per Share | 20.72 | 21.09 | 23.05 | 24.02 | 25.06 | 25.92 | 26.87 | 28.36 | 29.88 | 30.73 |
| Common Stock | 42K | 42K | 42K | 42K | 42K | 42K | 42K | 42K | 42K | 42K |
| Additional Paid-in Capital | 61.95M | 61.95M | 61.95M | 61.95M | 61.95M | 61.95M | 61.95M | 61.95M | 61.95M | 0 |
| Retained Earnings | 24.42M | 25.93M | 34.14M | 38.28M | 42.5M | 46.1M | 50.03M | 57.03M | 61.68M | 64.69M |
| Accumulated OCI | 86.38M | 87.89M | 96.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | -39K | -39K | -39K | -39K | -39K | -39K | -39K | -947K | -1.75M | 0 |
| Preferred Stock | 24.42M | 25.93M | 34.14M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
IOR Cash Flow Statement
Income Opportunity Realty Investors, Inc. (IOR) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 3.45M | 2.78M | 1.63M | 4.13M | 4.31M | -2.98M | 4K | 973K | 713K | 713K |
| Operating CF Growth % | 1160.58% | -19.4% | -41.52% | 153.87% | 4.33% | -169.11% | 100.13% | 24225% | -26.72% | -495.12% |
| Net Income | 2.08M | 1.51M | 8.21M | 4.14M | 4.21M | 3.6M | 3.93M | 7M | 4.65M | 4.13M |
| Depreciation & Amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes | 0 | 0 | -792K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -1.22M | -549K | -6.53M | 0 | 0 | -1.02M | 0 | 0 | 0 | 2K |
| Working Capital Changes | 1.37M | 1.28M | 741K | -12K | 98K | -5.56M | -3.93M | -6.03M | -3.94M | -4.21M |
| Cash from Investing | -3.46M | -2.78M | -1.63M | -4.13M | -4.3M | 2.97M | 0 | 0 | 27K | 74K |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 1000K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 1000K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -3.46M | -2.78M | -24.18M | -4.13M | -4.3M | 2.97M | 0 | 0 | 27K | 74K |
| Cash from Financing | -10.24M | 0 | 0 | 0 | 0 | 0 | 0 | -908K | -802K | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -908K | -802K | 802K |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -908K | -802K | 802K |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing | -10.24M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -802K |
| Net Change in Cash | -1K▲ 0% | 1K▲ 200.0% | 2K▲ 100.0% | 1K▼ 50.0% | 7K▲ 600.0% | -10K▼ 242.9% | 4K▲ 140.0% | 65K▲ 1525.0% | -62K▼ 195.4% | -8K▲ 0% |
| Exchange Rate Effect | 1000K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 2K | 1K | 2K | 4K | 5K | 12K | 2K | 6K | 71K | 111K |
| Cash at End | 1K | 2K | 4K | 5K | 12K | 2K | 6K | 71K | 9K | 6K |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 25K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 3.45M▲ 0% | 2.78M▼ 19.4% | 24.18M▲ 768.5% | 4.13M▼ 82.9% | 4.31M▲ 4.3% | -2.98M▼ 169.1% | 4K▲ 100.1% | 973K▲ 24225.0% | 713K▼ 26.7% | -82K▲ 0% |
| FCF Growth % | 1160.58% | -19.4% | 768.46% | -82.91% | 4.33% | -169.11% | 100.13% | 24225% | -26.72% | -104.87% |
IOR Banking Ratios
Income Opportunity Realty Investors, Inc. (IOR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 2.44% | 1.73% | 8.92% | 4.22% | 4.12% | 3.39% | 3.57% | 6.09% | 3.88% | 3.3% |
| Return on Assets (ROA) | 2.44% | 1.73% | 8.92% | 4.22% | 4.12% | 3.39% | 3.57% | 6.09% | 3.88% | 3.3% |
| Net Interest Margin | 5.2% | 4.82% | 5.08% | 6.56% | 5.14% | 4.58% | 5.9% | 8.53% | 5.17% | 3.37% |
| Efficiency Ratio | 128.75% | 131.81% | 137.09% | 124.16% | 129.57% | 131.86% | 124.63% | 114.5% | 106.54% | 106.91% |
| Equity / Assets | 99.97% | 99.99% | 99.97% | 99.99% | 99.99% | 99.99% | 100% | 100% | 100% | 100% |
| Book Value / Share | 20.72 | 21.09 | 23.05 | 24.02 | 25.06 | 25.92 | 26.87 | 28.36 | 29.88 | 30.73 |
| NII Growth | 20.68% | -5.72% | 15.18% | 34.71% | -18.27% | -7.82% | 33.29% | 52.53% | -37.45% | -27.67% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
IOR Frequently Asked Questions
Income Opportunity Realty Investors, Inc. (IOR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Income Opportunity Realty Investors, Inc. (IOR) saw revenue decline by 37.4% over the past year.
Yes, Income Opportunity Realty Investors, Inc. (IOR) is profitable, generating $4.1M in net income for fiscal year 2024 (73.8% net margin).
Dividend & Returns
Income Opportunity Realty Investors, Inc. (IOR) has a return on equity (ROE) of 3.9%. This is below average, suggesting room for improvement.
Industry Metrics
Income Opportunity Realty Investors, Inc. (IOR) has a net interest margin (NIM) of 5.2%. This indicates healthy earnings from lending activities.
Income Opportunity Realty Investors, Inc. (IOR) has an efficiency ratio of 106.5%. This is higher than peers, suggesting room for cost optimization.
Explore More IOR
Income Opportunity Realty Investors, Inc. (IOR) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Dividend History
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Earnings History
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Price History
Long-term charts & historical price data
Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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