NASDAQ: IROQIf Bancorp Inc Stock
$16.32+0.00 (+0%)
Updated Apr 18, 2024
IROQ Price
$16.32
Fair Value Price
$11.96
Market Cap
$54.76M
52 Week Low
$13.75
52 Week High
$18.51
P/E
25.5x
P/B
0.74x
P/S
2.41x
PEG
N/A
Dividend Yield
2.45%
Revenue
$22.35M
Earnings
$1.94M
Gross Margin
100%
Operating Margin
11.34%
Profit Margin
8.7%
Debt to Equity
11.35
Operating Cash Flow
$3M
Beta
0.13
Next Earnings
Apr 25, 2024
Ex-Dividend
N/A
Next Dividend
N/A
IROQ Overview
IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial services to individual and corporate clients. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, individual retirement accounts, and health savings accounts. It also provides loans comprising one- to four-family residential mortgage loans; multi-family mortgage loans; commercial real estate loans, such as farm loans; home equity lines of credit; commercial business loans; and consumer loans primarily consisting of automobile loans, as well as construction loans and land development loans. In addition, the company sells property and casualty insurance, as well as offers annuities; mutual funds; individual and group retirement plans; life, disability, and health insurance; individual securities; managed accounts; and other financial services. Further, it invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. As of August 31, 2021, it operated a network of seven full-service banking offices located in Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais, and Champaign, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
IROQ ($16.32) is overvalued by 36.53% relative to our estimate of its Fair Value price of $11.96 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
IROQ ($16.32) is not significantly undervalued (36.53%) relative to our estimate of its Fair Value price of $11.96 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
IROQ was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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Valuation
IROQ fair value
Fair Value of IROQ stock based on Discounted Cash Flow (DCF)
Price
$16.32
Fair Value
$11.96
Overvalued by
36.51%
IROQ ($16.32) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
IROQ ($16.32) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
IROQ was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
IROQ price to earnings (PE)
For valuing profitable companies with steady earnings
Company
25.5x
Industry
-10.84x
Market
41.33x
IROQ is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
IROQ is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
IROQ price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.74x
Industry
0.95x
IROQ is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
IROQ's financial health
Profit margin
Revenue
$4.9M
Net Income
$185.0k
Profit Margin
3.7%
IROQ's Earnings (EBIT) of $2.53M... subscribe to Premium to read more.
Interest Coverage Financials
IROQ's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$910.8M
Liabilities
$837.0M
Debt to equity
11.35
IROQ's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
IROQ's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$118.0k
Investing
-$38.2M
Financing
$32.6M
IROQ's operating cash flow ($3.33M)... subscribe to Premium to read more.
Debt Coverage Financials
IROQ vs Bank Stocks
If Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.