IF Bancorp (IROQ) Fundamental Analysis: Revenue, Earnings & Valuation

2.50 / 10

Underperform

IF Bancorp's financial health is suboptimal, earning a fundamental score of 2.5/10. Key positives include a strong YoY profit growth of 151.25% and a healthy gross margin of 36.70%. However, concerns arise from the net profit to total profit ratio at 100% and negative asset-to-market value differences, indicating potential overvaluation or weak asset backing. Overall, the balance of factors points to underperformance in the fundamental dimension.

Analysis Checks(6/10)

Net assets per share (growth rate compared to beginning of year %)

Value10.77

Score3/3

Weight10.68%

1M Return4.47%

Revenue-MV

Value-0.96

Score3/3

Weight17.64%

1M Return7.25%

Net profit attributable to parent company shareholders / Net profit (%)

Value100.00

Score1/3

Weight6.71%

1M Return3.05%

Gross profit margin (%)

Value36.70

Score3/3

Weight7.66%

1M Return3.43%

Profit-MV

Value0.07

Score0/3

Weight10.93%

1M Return4.15%

Total profit (YoY growth rate %)

Value151.25

Score2/3

Weight8.59%

1M Return3.74%

PB-ROE

Value1.41

Score2/3

Weight12.71%

1M Return5.42%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.66%

1M Return3.43%

Asset-MV

Value-0.50

Score0/3

Weight10.34%

1M Return4.22%

Cash-MV

Value-0.40

Score0/3

Weight7.09%

1M Return3.01%

Is IROQ undervalued or overvalued?

IROQ scores 2.50/10 on fundamentals and holds a Premium valuation at present. Backed by its 1.67% ROE, 18.85% net margin, 21.63 P/E ratio, 1.10 P/B ratio, and 158.06% earnings growth, these metrics solidify its Underperform investment rating.