IF Bancorp Inc (IROQ) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
IF Bancorp Inc stock (IROQ) is currently trading at $26.55. IF Bancorp Inc PE ratio is 16.19. IF Bancorp Inc PS ratio (Price-to-Sales) is 3.12. WallStSmart rates IROQ as Underperform.
- IROQ PE ratio analysis and historical PE chart
- IROQ PS ratio (Price-to-Sales) history and trend
- IROQ intrinsic value — DCF, Graham Number, EPV models
- IROQ stock price prediction 2025 2026 2027 2028 2029 2030
- IROQ fair value vs current price
- IROQ insider transactions and insider buying
- Is IROQ undervalued or overvalued?
- IF Bancorp Inc financial analysis — revenue, earnings, cash flow
- IROQ Piotroski F-Score and Altman Z-Score
- IROQ analyst price target and Smart Rating
IF Bancorp Inc
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IROQ Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · IF Bancorp Inc (IROQ)
IROQ appears undervalued based on the Graham Formula, trading 16% below its estimated fair value of $32.93.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
IF Bancorp Inc (IROQ) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
IF Bancorp Inc (IROQ) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
Strong operational efficiency: $26 kept per $100 revenue
Strong profitability: $18 kept per $100 revenue
IF Bancorp Inc (IROQ) Areas to Watch (6)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Modest revenue growth at 8.50%
Modest earnings growth at 8.30%
Low institutional interest, mostly retail-driven
Revenue is fairly priced at 3.12x sales
IF Bancorp Inc (IROQ) Detailed Analysis Report
Overall Assessment
This company scores 52/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 8.7/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Operating Margin, Profit Margin. Valuation metrics including Price/Book (0.99) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 26.30%, Profit Margin at 18.10%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Revenue Growth. Some valuation metrics including Price/Sales (3.12) suggest expensive pricing. Growth concerns include Revenue Growth at 8.50%, EPS Growth at 8.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.33%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.33% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, Operating Margin) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
IROQ Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
IROQ's Price-to-Sales ratio of 3.12x trades at a 39% premium to its historical average of 2.24x (97th percentile). The current valuation is 5% below its historical high of 3.28x set in Mar 2026, and 153% above its historical low of 1.23x in Jul 2024. Over the past 12 months, the PS ratio has expanded from ~1.7x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for IF Bancorp Inc (IROQ) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
IF Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 29M with 9% growth year-over-year. Profit margins of 18.1% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 2M in free cash flow and 2M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact IF Bancorp Inc.
Bottom Line
IF Bancorp Inc is a well-established business delivering consistent profitability with 18.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About IF Bancorp Inc(IROQ)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
IF Bancorp, Inc. is the savings and loan holding company of the Federal Iroquois Savings and Loans Association, offering a range of banking and financial services to individual and corporate clients. The company is headquartered in Watseka, Illinois.