Income Opportunity Realty Investors, Inc. (IOR) 10-Year Financial Performance & Capital Metrics

IOR • • Banking & Credit

Financial ServicesMortgage FinanceCommercial & Multifamily Real Estate FinanceCommercial Real Estate Lenders

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 Equity 3.88% -36.3%
Net Interest Margin 5.17% -39.4%
Efficiency Ratio 106.54% -7.0%
ROA 3.88% -36.3%
Equity / Assets 100%
Book Value per Share 29.88 +5.4%
Tangible BV/Share 29.88 +5.4%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial 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

Price & Volume

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Growth Metrics

Revenue CAGR

10Y2.91%

5Y-0.85%

3Y8.34%

TTM-

Profit (Net Income) CAGR

10Y11.55%

5Y2.33%

3Y8.93%

TTM-31.35%

EPS CAGR

10Y11.91%

5Y2.86%

3Y9.85%

TTM-31.51%

ROCE

10Y Avg-1.44%

5Y Avg-1.23%

3Y Avg-1.03%

Latest-0.34%

Peer Comparison

Commercial Real Estate Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
WDWalker & Dunlop, Inc.	2.25B	65.93	20.67	7.4%	9.55%	6.47%	5.18%	0.94
IORIncome Opportunity Realty Investors, Inc.	73.19M	18.00	15.79	-37.45%	73.84%	3.3%	0.97%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	3.72M	4.49M	4.24M	4.88M	6.57M	5.37M	4.95M	6.6M	10.07M	6.3M
NII Growth %	-0.07%	0.21%	-0.06%	0.15%	0.35%	-0.18%	-0.08%	0.33%	0.53%	-0.37%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	4.38M	4.49M	4.24M	4.88M	6.57M	5.37M	4.95M	6.6M	10.07M	6.3M
Interest Expense	652K	0	0	0	0	0	0	0	0	0
Loan Loss Provision	-591K	0	0	0	0	0	0	0	0	0
Non-Interest Income+	0	0	0	0	0	0	0	0	0	0
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	4.38M	4.49M	4.24M	4.88M	6.57M	5.37M	4.95M	6.6M	10.07M	6.3M
Revenue Growth %	-0.07%	0.03%	-0.06%	0.15%	0.35%	-0.18%	-0.08%	0.33%	0.53%	-0.37%
Non-Interest Expense	5.73M	5.79M	5.58M	6.69M	8.16M	6.96M	6.53M	8.23M	11.53M	6.71M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-1.42M	-1.29M	-1.35M	-1.81M	-1.59M	-1.59M	-1.58M	-1.63M	-1.46M	-412K
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.07%	0.09%	-0.04%	-0.34%	0.12%	-0%	0.01%	-0.03%	0.1%	0.72%
Pretax Income+	2.31M	3.2M	3.14M	10.39M	5.22M	5.33M	4.55M	4.98M	8.61M	5.89M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	807K	1.12M	1.63M	2.18M	1.08M	1.12M	956K	1.04M	1.61M	1.24M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.5M	2.08M	1.51M	8.21M	4.14M	4.21M	3.6M	3.93M	7M	4.65M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.04%	0.39%	-0.28%	4.44%	-0.5%	0.02%	-0.15%	0.09%	0.78%	-0.34%
Net Income (Continuing)	1.5M	2.08M	1.51M	8.21M	4.14M	4.21M	3.6M	3.93M	7M	4.65M
EPS (Diluted)+	0.36	0.50	0.36	1.97	0.99	1.01	0.86	0.94	1.68	1.14
EPS Growth %	-0.03%	0.39%	-0.28%	4.47%	-0.5%	0.02%	-0.15%	0.09%	0.79%	-0.32%
EPS (Basic)	0.36	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	4.17M	4.16M	4.08M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	2K	1K	2K	4K	5K	12K	2K	6K	71K	9K
Cash & Due from Banks	2K	1K	2K	4K	5K	12K	2K	6K	71K	9K
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 %	-	-	-	-	-	-	-	-	-	-
Long-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivables	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	293K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
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	22.72M	0	0	0	0	0	0	0
Other Assets	956K	-60.49M	-86.38M	-82.09M	0	13.13M	11.17M	11.17M	11.17M	11.15M
Total Current Assets	59.2M	37.77M	63.66M	96.12M	100.26M	91.34M	96.89M	100.82M	106.91M	110.78M
Total Non-Current Assets	25.11M	48.63M	24.23M	14.03M	0	13.13M	11.17M	11.17M	11.17M	11.15M
Total Assets+	84.3M	86.4M	87.9M	96.12M	100.26M	104.47M	108.07M	111.99M	118.08M	121.93M
Asset Growth %	-0.09%	0.02%	0.02%	0.09%	0.04%	0.04%	0.03%	0.04%	0.05%	0.03%
Return on Assets (ROA)	0.02%	0.02%	0.02%	0.09%	0.04%	0.04%	0.03%	0.04%	0.06%	0.04%
Accounts Payable	6K	23K	10K	26K	14K	12K	12K	4K	0	0
Total Debt+	0	2.26M	1.52M	0	0	0	0	0	0	0
Net Debt	-2K	2.26M	1.51M	-4K	-5K	-12K	-2K	-6K	-71K	-9K
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	0	-23K	-10K	-26K	0	0	0	0	0	0
Total Current Liabilities	6K	23K	10K	26K	14K	12K	12K	4K	0	0
Total Non-Current Liabilities	6K	-37.75M	-63.65M	-96.1M	0	0	0	0	0	0
Total Liabilities	6K	23K	10K	26K	14K	12K	12K	4K	0	0
Total Equity+	84.3M	86.38M	87.89M	96.09M	100.24M	104.46M	108.05M	111.98M	118.08M	121.93M
Equity Growth %	0.02%	0.02%	0.02%	0.09%	0.04%	0.04%	0.03%	0.04%	0.05%	0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.02%	0.02%	0.09%	0.04%	0.04%	0.03%	0.04%	0.06%	0.04%
Book Value per Share	20.23	20.72	21.09	23.05	24.02	25.06	25.92	26.87	28.36	29.88
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
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	61.95M
Retained Earnings	22.34M	24.42M	25.93M	34.14M	38.28M	42.5M	46.1M	50.03M	57.03M	61.68M
Accumulated OCI	0	86.38M	87.89M	96.1M	0	0	0	0	0	0
Treasury Stock	-39K	-39K	-39K	-39K	-39K	-39K	-39K	-39K	-947K	-1.75M
Preferred Stock	0	24.42M	25.93M	34.14M	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	274K	3.45M	2.78M	1.63M	4.13M	4.31M	-2.98M	4K	973K	713K
Operating CF Growth %	-0.94%	11.61%	-0.19%	-0.42%	1.54%	0.04%	-1.69%	1%	242.25%	-0.27%
Net Income	1.5M	2.08M	1.51M	8.21M	4.14M	4.21M	3.6M	3.93M	7M	4.65M
Depreciation & Amortization	0	0	0	0	0	0	0	0	0	0
Deferred Taxes	0	0	0	-792K	0	0	0	0	0	0
Other Non-Cash Items	1.39M	-1.22M	-549K	-6.53M	0	0	-1.02M	0	0	0
Working Capital Changes	-1.23M	1.37M	1.28M	741K	-12K	98K	-5.56M	-3.93M	-6.03M	-3.94M
Cash from Investing+	9.96M	-3.46M	-2.78M	-1.63M	-4.13M	-4.3M	2.97M	0	0	27K
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	1000K	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	9.96M	-3.46M	-2.78M	-24.18M	-4.13M	-4.3M	2.97M	0	0	27K
Cash from Financing+	-10.24M	-10.24M	0	0	0	0	0	0	-908K	-802K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0	-908K	-802K
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	0	0	0	0	0	0	0	0	0
Other Financing	0	-10.24M	0	0	0	0	0	0	0	0
Net Change in Cash+	-5K	-1K	1K	2K	1K	7K	-10K	4K	65K	-62K
Exchange Rate Effect	0	1000K	0	0	0	0	0	0	0	0
Cash at Beginning	7K	2K	1K	2K	4K	5K	12K	2K	6K	71K
Cash at End	2K	1K	2K	4K	5K	12K	2K	6K	71K	9K
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	25K	0	0	0	0	0	0	0	0
Free Cash Flow+	274K	3.45M	2.78M	24.18M	4.13M	4.31M	-2.98M	4K	973K	713K
FCF Growth %	-0.92%	11.61%	-0.19%	7.68%	-0.83%	0.04%	-1.69%	1%	242.25%	-0.27%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	1.79%	2.44%	1.73%	8.92%	4.22%	4.12%	3.39%	3.57%	6.09%	3.88%
Return on Assets (ROA)	1.69%	2.44%	1.73%	8.92%	4.22%	4.12%	3.39%	3.57%	6.09%	3.88%
Net Interest Margin	4.42%	5.2%	4.82%	5.08%	6.56%	5.14%	4.58%	5.9%	8.53%	5.17%
Efficiency Ratio	131.01%	128.75%	131.81%	137.09%	124.16%	129.57%	131.86%	124.63%	114.5%	106.54%
Equity / Assets	99.99%	99.97%	99.99%	99.97%	99.99%	99.99%	99.99%	100%	100%	100%
Book Value / Share	20.23	20.72	21.09	23.05	24.02	25.06	25.92	26.87	28.36	29.88
NII Growth	-7.43%	20.68%	-5.72%	15.18%	34.71%	-18.27%	-7.82%	33.29%	52.53%	-37.45%

Revenue by Segment

	2017
Other	250K
Other Growth	-
Totals	250K
Totals Growth	-

Revenue by Geography

	2017
Other	250K
Other Growth	-

Frequently Asked Questions

Valuation & Price

Income Opportunity Realty Investors, Inc. (IOR) has a price-to-earnings (P/E) ratio of 15.8x. This is roughly in line with market averages.

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.

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