$26.55
▲ +$0.00
(+0.00%)
10
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$90.4M
P/E
17.8
ROE
6.3%
Margin
13.0%
D/E
21.45
Beta
0.23
Div Yield
1.48%
52W
$23–$27
Price Chart
Earnings
Beat rate: 0.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Jun 2023 | — | $0.43 | — |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $6.3M | $6.4M | $6.9M | $7.2M | $7.3M |
| Net Income | $1.2M | $1.0M | $1.4M | $1.4M | $1.3M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 5.5% | 4.3% | 5.5% | 5.5% | 5.5% | 6.3% |
| P/E (TTM) | 18.96 | 25.62 | 20.15 | 20.03 | 17.34 | 17.85 |
| Net Margin | — | 13.0% | 13.0% | 13.0% | 13.0% | 13.0% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 22.97 | 24.05 | 22.97 | 22.97 | 22.97 | 21.45 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.6%
P/S (TTM)
1.97
P/B
1.0
EPS (TTM)
$1.61
CF/Share
$1.20
Rev Growth 3Y
+5.9%
52W High
$27.01
52W Low
$22.84
$22.84
52-Week Range
$27.01
Financial Health
Free Cash Flow
$1.7M
Net Debt
$57.6M
Cash
$9.0M
Total Debt
$66.6M
As of Dec 31, 2025
How does IROQ compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
IROQ valuation vs Banking peers
P/E ratio
17.9
▲
42%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
2.0
▼
15%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.0
▼
5%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
1.5%
▼
50%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
IROQ profitability vs Banking peers
ROE
6.3%
▼
30%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
13.0%
▼
55%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.6%
▼
39%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
IROQ financial health vs Banking peers
D/E ratio
21.5
▲
55%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.2
▼
67%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
IROQ fundamentals radar
IROQ
Peer median
Industry
IROQ profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
IROQ vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
CHAMBERLAIN THOMAS J
President · Mar 11
4594 shs
Last 90 days
Top Holders
Top 5: 25.02%Gendell, Jeffrey L.
9.73%
$8.7M
Stilwell Value LLC
8.21%
$7.3M
Alliancebernstein L.P.
3.62%
$3.2M
Vanguard Group Inc
2.14%
$1.9M
Oppenheimer & Close, LLC
1.32%
$1.2M
As of Dec 31, 2025
Dividends
$0.80
/ year
Sep 26, 2025
$0.2000
Mar 21, 2025
$0.2000
Sep 27, 2024
$0.2000
Mar 21, 2024
$0.2000
Sep 21, 2023
$0.2000
Mar 23, 2023
$0.2000
Sep 22, 2022
$0.2000
Mar 24, 2022
$0.1750
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