📊 IROQ Key Takeaways
Is IF Bancorp, Inc. (IROQ) a Good Investment?
IF Bancorp demonstrates strong revenue growth of 108.6% YoY and respectable operating margins of 17.2%, but fundamental concerns including extremely weak ROA of 0.3%, anemic ROE of 3.1%, and critically low interest coverage of 0.2x suggest operational efficiency and debt servicing challenges. The modest net income growth of 0% despite doubling revenue raises questions about margin sustainability and cost control in a challenging interest rate environment.
IF Bancorp shows solid top-line expansion and remains profitable, with positive free cash flow and a clean balance sheet that carries no reported long-term debt. However, earnings quality looks mixed because net income was flat despite revenue more than doubling, while ROE and ROA remain weak for a bank, suggesting limited profitability efficiency and possible pressure from funding costs or credit expenses.
Why Buy IF Bancorp, Inc. Stock? IROQ Key Strengths
- Exceptional revenue growth of 108.6% YoY indicates strong market demand or successful expansion
- Solid operating margin of 17.2% demonstrates reasonable cost discipline relative to revenue generation
- Zero debt-to-equity ratio provides financial flexibility and eliminates refinancing risk
- Positive free cash flow of 1.2M indicates the business generates cash despite operational challenges
- Revenue growth was exceptionally strong year over year while the company stayed profitable
- Positive operating cash flow and free cash flow indicate the business is still generating cash
- Balance sheet leverage appears conservative with no reported long-term debt and equity covering roughly 10% of assets
IROQ Stock Risks: IF Bancorp, Inc. Investment Risks
- Critically low interest coverage ratio of 0.2x suggests severe difficulty servicing debt obligations and potential financial distress
- Negligible ROA of 0.3% indicates extremely poor asset utilization and operational inefficiency for a financial institution
- Weak ROE of 3.1% demonstrates minimal shareholder value creation relative to capital deployed
- Net income flat YoY despite 108.6% revenue growth indicates margin compression and potential operational deterioration
- Very low operating cash flow of 1.3M raises sustainability concerns about cash generation relative to asset base
- Net income did not grow with revenue, indicating weak incremental profitability and possible margin pressure
- ROE of 3.1% and ROA of 0.3% are low, pointing to inefficient capital and asset utilization
- Very low interest coverage suggests earnings may be vulnerable to higher funding costs or weaker net interest spread
Key Metrics to Watch
- Interest coverage ratio trajectory - must improve significantly above 1.0x for financial health
- Return on Assets trending - targeting >1.0% minimum for banking sector competitiveness
- Net margin sustainability - monitor if revenue growth translates to improved profitability
- Operating cash flow relative to assets - should exceed 2-3% for healthy financial institutions
- Net interest margin and efficiency ratio
- Provision for credit losses and nonperforming assets
IF Bancorp, Inc. (IROQ) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
IROQ Profit Margin, ROE & Profitability Analysis
IROQ vs Finance Sector: How IF Bancorp, Inc. Compares
How IF Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is IF Bancorp, Inc. Stock Overvalued? IROQ Valuation Analysis 2026
Based on fundamental analysis, IF Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
IF Bancorp, Inc. Balance Sheet: IROQ Debt, Cash & Liquidity
IROQ Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: IF Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.57 reflects profitable operations.
IROQ Revenue Growth, EPS Growth & YoY Performance
IF Bancorp, Inc. Dividends, Buybacks & Capital Allocation
IROQ SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for IF Bancorp, Inc. (CIK: 0001514743)
📋 Recent SEC Filings
❓ Frequently Asked Questions about IROQ
What is the AI rating for IROQ?
IF Bancorp, Inc. (IROQ) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 60% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are IROQ's key strengths?
Claude: Exceptional revenue growth of 108.6% YoY indicates strong market demand or successful expansion. Solid operating margin of 17.2% demonstrates reasonable cost discipline relative to revenue generation. ChatGPT: Revenue growth was exceptionally strong year over year while the company stayed profitable. Positive operating cash flow and free cash flow indicate the business is still generating cash.
What are the risks of investing in IROQ?
Claude: Critically low interest coverage ratio of 0.2x suggests severe difficulty servicing debt obligations and potential financial distress. Negligible ROA of 0.3% indicates extremely poor asset utilization and operational inefficiency for a financial institution. ChatGPT: Net income did not grow with revenue, indicating weak incremental profitability and possible margin pressure. ROE of 3.1% and ROA of 0.3% are low, pointing to inefficient capital and asset utilization.
What is IROQ's revenue and growth?
IF Bancorp, Inc. reported revenue of $21.6M.
Does IROQ pay dividends?
IF Bancorp, Inc. pays dividends, with $0.6M distributed to shareholders in the trailing twelve months.
Where can I find IROQ SEC filings?
Official SEC filings for IF Bancorp, Inc. (CIK: 0001514743) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is IROQ's EPS?
IF Bancorp, Inc. has a diluted EPS of $0.84.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is IROQ a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, IF Bancorp, Inc. has a HOLD rating with 60% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is IROQ stock overvalued or undervalued?
Valuation metrics for IROQ: ROE of 3.1% (sector avg: 12%), net margin of 12.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy IROQ stock in 2026?
Our dual AI analysis gives IF Bancorp, Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is IROQ's free cash flow?
IF Bancorp, Inc.'s operating cash flow is $1.3M, with capital expenditures of $110.0K. FCF margin is 5.3%.
How does IROQ compare to other Finance stocks?
Vs Finance sector averages: Net margin 12.6% (avg: 25%), ROE 3.1% (avg: 12%), current ratio N/A (avg: 1.2).