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IROQIF Bancorp, Inc.
$26.55$89M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
IROQ logo

IF Bancorp, Inc.

IROQ
NASDAQ · Regional Banks
$26.55
At close - Jun 20, 4:00 PM EDT - USD
Market Cap$89M
P/E19.4x
52W High$29.00
Volume103.16K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Persistent Margin Constraints Offset Revenue Growth Momentum

IF Bancorp demonstrates accelerating net interest income growth of 21.5% as of 2026Q2, yet the bank remains constrained by a stagnant 0.7% net interest margin and significant provisioning volatility, including a $22.2 million charge in 2025Q4. While the bank m...

GrowthAccelerating
ProfitabilityModerate
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

IROQ price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

No Data

No recent earnings data

02

Valuation risk

+16% Peers

P/E is 16% above peer median

03

Market leadership

RS 65 · Avg

Average momentum (RS Rating: 65)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystNext earnings unconfirmed

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
IROQ-1.63%
S&P 500 (^GSPC)+12.39%
1-Year Return
IROQ+3.00%
S&P 500 (^GSPC)+15.77%
3-Year Return
IROQ+84.80%
S&P 500 (^GSPC)+78.37%
5-Year Return
IROQ+23.10%
S&P 500 (^GSPC)+65.85%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
19.4x
Forward P/E
N/A
EV/EBITDA80th %ile
21.7x
FCF YieldCash Flow
7.3%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
19.4x
13.1x
80th· High
EV/EBITDA
21.7x
9.3x
80th· High
Price/FCF
13.6x
11.8x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$26M+16.5% YoY
Net income
$4M+140.4% YoY
Free cash flow
$7M+220.2% YoY
Operating margin
12.2%+7.0 pts YoY
ROIC (TTM)2.9%
Avg ROIC 5Y-
ROE (TTM)5.5%
Piotroski Score7 / 9
Financial Statements →
04

Compare before deciding

Benchmark IROQ against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for IF Bancorp, Inc. (IROQ)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
IROQ logoIROQIF Bancorp, Inc.Current
$26.55$88.98M19.3816.51%8.9%5.53%1.54%
NECB logoNECBNortheast Community Bancorp, Inc.
$26.38$364.45M8.121.33%27.87%12%—
CLBK logoCLBKColumbia Financial, Inc.
$11.18$2.5B48.2351.24%11.53%4.98%—
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
HONE logoHONEHarborOne Bancorp, Inc.
$12.10$522.22M18.330.96%8.56%4.56%—
KRNY logoKRNYKearny Financial Corp.
$9.34$587.79M22.249.53%20.36%4.77%—

Compare IROQ vs Peers

IF Bancorp, Inc. (IROQ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NECB

Most directly comparable listed peer for IROQ.

Scale Benchmark

vs FICO

Larger-name benchmark to compare IROQ against a more recognizable public peer.

Peer Set

Compare Top 5

vs NECB, CLBK, NBTB, HONE

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IROQ Frequently Asked Questions

IF Bancorp, Inc. (IROQ) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is IF Bancorp, Inc. growing?

IF Bancorp, Inc. (IROQ) grew revenue by 16.5% over the past year. This is strong growth.

Is IROQ profitable?

Yes, IF Bancorp, Inc. (IROQ) is profitable, generating $5.2M in net income for fiscal year 2025 (8.9% net margin).

Dividend & Returns
Does IROQ pay dividends?

Yes, IF Bancorp, Inc. (IROQ) pays a dividend with a yield of 1.54%. This makes it attractive for income-focused investors.

What is IROQ's return on equity?

IF Bancorp, Inc. (IROQ) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.

Industry Metrics
What is IF Bancorp, Inc.'s net interest margin?

IF Bancorp, Inc. (IROQ) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.

What is IF Bancorp, Inc.'s efficiency ratio?

IF Bancorp, Inc. (IROQ) has an efficiency ratio of 42.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in IROQ back in 2009?

Total return calculator · dividends reinvested · 17+ years of data

See returns →