IF 뱅코프(IROQ) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

Q: What kind of company is IF 뱅코프(IROQ)?

IF 뱅코프(IROQ) belongs to the Financial sector and operates in the Banks - Regional industry.

Q: What is the market cap of IROQ?

The market cap of IROQ is approximately $89M, ranking 4,471 within its sector.

Q: Does IROQ pay dividends?

IROQ has a dividend yield of approximately 1.51%, with an annual dividend of $0.40.

Q: What is the P/E ratio of IROQ?

IROQ has a P/E ratio of approximately 16.6x, which can be used to assess its valuation relative to the Financial sector average.

Q: What is the 52-week high and low for IROQ?

IROQ has recorded a 52-week high of $29.00 and a low of $23.00.

🏛️

거래 정지 중인 종목 2026-06-04 이후 거래가 정지되었습니다. 재개될 수 있으며, 표시된 시세는 마지막 거래일 기준입니다.

IROQ

IF Bancorp Inc

$26.55

+0.00 +0.00%

IF 뱅코프(IROQ) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$89M

스몰캡

P/E

16.6

적정 수준

배당수익률

1.51%

52주 위치

59%

저점 +15% · 고점 -8%

애널리스트

Fundamental health

vs. 전체 시장

수익성

Top 41%

성장

Top 66%

밸류에이션

Top 60%

재무 안정

Top 61%

Index ⓘ	-	P/E ⓘ	16.61	EPS (ttm) ⓘ	1.6	Insider Own ⓘ	43.38%	Shs Outstand ⓘ	3.3M	Perf Week ⓘ	-
Market Cap ⓘ	0.09B	Forward P/E ⓘ	-	EPS next Y ⓘ	-	Insider Trans ⓘ	-	Shs Float ⓘ	1.9M	Perf Month ⓘ	-4.32%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	-	Inst Own ⓘ	22.11%	Short Float ⓘ	-	Perf Quarter ⓘ	-1.48%
Income ⓘ	0.01B	P/S ⓘ	1.86	EPS this Y ⓘ	-	Inst Trans ⓘ	-0.98%	Short Ratio ⓘ	0	Perf Half Y ⓘ	3.03%
Sales ⓘ	0.05B	P/B ⓘ	0.99	EPS next 5Y ⓘ	-	ROA ⓘ	0.6%	Short Interest ⓘ	0.00M	Perf YTD ⓘ	-1.52%
Book/sh ⓘ	26.92	P/C ⓘ	-	EPS past 3/5Y ⓘ	-9.52% 0.26%	ROE ⓘ	6.33%	52W High ⓘ	-8.45% ($29.00)	Perf Year ⓘ	8.99%
Cash/sh ⓘ	-	P/FCF ⓘ	16.59	Sales past 3/5Y ⓘ	16.88% 8.77%	ROIC ⓘ	3.36%	52W Low ⓘ	15.43% ($23.00)	Perf 3Y ⓘ	56.18%
Dividend Est. ⓘ	$0.4 (1.51%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	72.01%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	1.78% 1.05%	Perf 5Y ⓘ	26.43%
Dividend TTM ⓘ	0.4	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	-1.22%	Oper. Margin ⓘ	14.87%	ATR (14) ⓘ	0.37	Perf 10Y ⓘ	39.37%
Dividend Ex-Date ⓘ	2025/9/26	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	8.36%	Profit Margin ⓘ	10.82%	RSI (14) ⓘ	34.42	Recom ⓘ	-
Dividend Gr. 3/5Y ⓘ	4.55% 5.92%	Current Ratio ⓘ	0.23	Sales Q/Q ⓘ	-3.1%	SMA20 ⓘ	-4.03% ($27.66)	Beta ⓘ	0.2	Target Price ⓘ	-
Payout ⓘ	29.28%	Debt/Eq ⓘ	0.96	Earnings ⓘ	-	SMA50 ⓘ	-2.94% ($27.35)	Rel Volume ⓘ	0	Prev Close ⓘ	$26.55
Employees ⓘ	102	LT Debt/Eq ⓘ	0.76	EPS/Sales Surpr. ⓘ	-	SMA200 ⓘ	3.38% ($25.68)	Avg Volume(3M) ⓘ	0.02M	Price ⓘ	$26.55
IPO ⓘ	2011/7/8	Option/Short ⓘ	No/No			Trades ⓘ	0	Volume ⓘ	-	Change ⓘ	-

Quarterly earnings trend Quarterly earnings data is not yet available — foreign-listed companies (ADRs) only file annual reports with the U.S., and recently listed companies may not have filed their first quarterly report.

📊 IF Bancorp Inc (IROQ) Investment Analysis

What kind of company is IF Bancorp Inc?

IF 뱅코프(IROQ)

Financial · Banks - Regional

Small-Cap — Low Volume, High Volatility

🏦 IF Bancorp (IROQ) is a community bank holding company headquartered in Illinois, USA, that has long provided a stable range of financial services—including deposits, residential mortgage loans, and personal savings—to local residents and small businesses.

Learn more about IF Bancorp Inc →

Market Cap

$0.1B

Approx. KRW 0.1 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank4471

Employees102people

IPO2011/07/08

Current Price$26.55 ≈ 36,374원

NASD · USA

Key Events

예정된 이벤트가 없습니다

IROQ의 다음 실적 발표일이나 배당 일정이 아직 수집되지 않았습니다.

실적 발표는 보통 분기마다 있습니다
배당주는 연 1~4회 배당락일이 있습니다

전체 경제/실적 캘린더 보기 →

Is it profitable?

Profitable but financially weak

High debt load may weigh on results in a downturn

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

14.9%

✓ 양호

My positionMid-range

Low range Average High range

전체 시장 Median 6.9% · Top 34%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

10.8%

✓ 양호

My positionMid-range

Low range Average High range

전체 시장 Median 3.0% · Top 31%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

6.3%

✓ 양호

My positionMid-range

Low range Average High range

전체 시장 Median 3.7% · Top 43%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

0.6%

✓ 평균

My positionMid-range

Low range Average High range

전체 시장 Median 1.0% · Bottom 50%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

3.4%

✓ 양호

My positionMid-range

Low range Average High range

전체 시장 Median 1.9% · Top 45%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.96

✓ Average

My positionMid-range

Low range Average High range

전체 시장 Median 0.40

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.23

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Outlook data is insufficient

Analyst estimates and price targets have not been collected.

Did earnings meet expectations?

Insufficient historical earnings data

No analyzable past earnings releases have been collected yet.

Is it growing?

Average Growth

Mid-range within the industry

Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

-9.5%

평균

My positionMid-range

Low range Average High range

전체 시장 Median 7.6% · Bottom 29%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+0.3%

평균

My positionMid-range

Low range Average High range

전체 시장 Median 9.7% · Bottom 35%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+8.8%

평균

My positionMid-range

Low range Average High range

전체 시장 Median 9.6% · Bottom 47%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

-3.1%

평균

My positionMid-range

Low range Average High range

전체 시장 Median 6.5% · Bottom 26%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -42%p below the market

IROQ +26.4% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-41.9%p

Significantly behind the market

1-year basis

vs S&P 500

-7.0%p

slightly behind the market

Current position within 52-week range

Low (-15.4%p) High (-8.4%p)

Current price is 15.4% above the 52-week low and 8.4% below the 52-week high

Recent risk (last 46 trading days)

Max drawdown

-5.2%

Annualized volatility

12.9%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 46-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴

Current diagnosis · 2026-03-17

Downtrend zone

Current price $26.55 below the midline ($27.47). Normal downward flow. Below the Ichimoku cloud (bearish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🔴

Current diagnosis · 2026-03-17

Bearish momentum holding

MACD -0.210 < Signal -0.036 in negative zone + Hist negative (-0.174). Weakness in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴

Current diagnosis · 2026-03-17

Bearish zone

RSI 34.3 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 0.0.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Assets·Vs. Sales, In line with peers on Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Cheap

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Mid-range

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

16.61x

✓ Cheap

My positionMid-range

Low range Average High range

전체 시장 median 19.50x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

0.99x

✓ Very cheap

My positionTop 25%

Low range Average High range

전체 시장 median 1.76x · Top 25% — relatively cheap within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

1.86x

✓ Cheap

My positionMid-range

Low range Average High range

전체 시장 median 2.26x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

16.59x

✓ Fair

My positionMid-range

Low range Average High range

전체 시장 median 16.21x · Around the industry average

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: 전체 시장

Who owns it?

Ownership is broadly stable

Institutional modest net selling -1.0% · Short interest light 0.0%

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

-1.0%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 22.1%

Moderate institutional participation

전체 시장 Median 48.6%

🧑‍💼 Insiders 43.4%

Founder/management large holders (strong skin-in-the-game)

전체 시장 Median 12.2%

👤 Retail investors (estimated) 34.5%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

0.0%

Low — limited short-side pressure

전체 시장 Median 4.0%

Past 46 days Little change

Short interest days to cover

0.0 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 3.3M주

Float (tradable shares) 1.9M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 46 days.

How much does it pay in dividends?

배당 지급 — 연 1.51%

배당보다 주가 성장에 가까운 비중

Dividend Yield

1.51%

Industry average 2.62%

Dividend Per Share

$0.40

Annualized

Payout Ratio

29%

Share of net income paid as dividends

5-Year Growth

5.9%

Annualized dividend growth

📅 지급월 9월

📊 총 이력 2013~2025 (25건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.16 +60.0%

2016

$0.18 +12.5%

2017

$0.23 +25.0%

2018

$0.28 +22.2%

2019

$0.30 +9.1%

2020

$0.32 +8.3%

2021

$0.38 +15.4%

2022

$0.40 +6.7%

2023

$0.40 +0.0%

2024

$0.40 +0.0%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 25건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2025-09-26

$0.200

—

2.31%

2025-03-21

$0.200

—

2.46%

2024-09-27

$0.200

—

1.99%

2024-03-21

$0.200

—

3.64%

2023-09-21

$0.200

—

3.98%

2023-03-23

$0.200

—

3.71%

2022-09-22

$0.200

—

2.85%

2022-03-24

$0.175

—

2.11%

2021-09-23

$0.175

—

2.07%

2021-03-25

$0.150

—

1.43%

2020-09-24

$0.150

—

1.93%

2020-03-19

$0.150

—

2.58%

2019-09-20

$0.150

—

1.86%

2019-03-21

$0.125

—

1.62%

2018-09-21

$0.125

—

1.37%

2018-03-22

$0.100

—

1.40%

2017-09-22

$0.100

—

1.33%

2017-03-22

$0.080

—

1.21%

2016-09-22

$0.080

—

0.86%

2016-03-22

$0.080

—

0.67%

2015-09-17

$0.050

—

0.89%

2015-03-20

$0.050

—

0.86%

2014-09-18

$0.050

—

0.89%

2014-03-20

$0.050

—

0.61%

2013-09-19

$0.050

—

0.31%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 1.3만원

5년 누적 (세후) 7.2만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 5.92% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
IROQ This Stock	$88.9M	16.6 ▼	1.0 ▲	6.33% ▼	1.51% ▼	+0.0%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is IF 뱅코프(IROQ)?

IF 뱅코프(IROQ) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of IROQ?

The market cap of IROQ is approximately $89M, ranking 4,471 within its sector.

Does IROQ pay dividends?

IROQ has a dividend yield of approximately 1.51%, with an annual dividend of $0.40.

What is the P/E ratio of IROQ?

IROQ has a P/E ratio of approximately 16.6x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for IROQ?

IROQ has recorded a 52-week high of $29.00 and a low of $23.00.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.