📊 IROQ Key Takeaways
Is IROQ a Good Investment? Thesis Analysis
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.
Why Buy 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
IROQ Investment Risks to Consider
- 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
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
IROQ Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
IROQ Profitability Ratios
IROQ vs Default Sector
How IF Bancorp, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is IROQ Overvalued or Undervalued?
Based on fundamental analysis, IF Bancorp, Inc. has mixed fundamental signals relative to the Default 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.
IROQ Balance Sheet & Liquidity
IROQ 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
IROQ Capital Allocation
IROQ SEC 10-K & 10-Q Filing 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 an AI rating of HOLD with 45% 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.
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.
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 March 2026, IF Bancorp, Inc. has a HOLD rating with 45% 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: 15%), net margin of 12.6% (sector avg: 12%). 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 above 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 Default stocks?
Vs Default sector averages: Net margin 12.6% (avg: 12%), ROE 3.1% (avg: 15%), current ratio N/A (avg: 1.8).