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The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-15), IF Bancorp's share price is $26.55. IF Bancorp's Book Value per Share for the quarter that ended in Dec. 2025 was $26.92. Hence, IF Bancorp's PB Ratio of today is 0.99.
Warning Sign:
IF Bancorp Inc stock PB Ratio (=0.99) is close to 5-year high of 1.04.
The historical rank and industry rank for IF Bancorp's PB Ratio or its related term are showing as below:
IROQ'
s PB Ratio Range Over the Past 10 Years
Min: 0.55 Med: 0.9 Max: 1.18
Current: 0.99
During the past 13 years, IF Bancorp's highest PB Ratio was 1.18. The lowest was 0.55. And the median was 0.90.
IROQ's PB Ratio is not ranked
in the Banks industry.
Industry Median: 1.12
vs IROQ: 0.99
During the past 12 months, IF Bancorp's average Book Value Per Share Growth Rate was 14.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of IF Bancorp was 34.50% per year. The lowest was -4.20% per year. And the median was 4.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
IF Bancorp PB Ratio Related Terms
IF Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for IF Bancorp's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, IF Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
IF Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, IF Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where IF Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
IF Bancorp's PB Ratio for today is calculated as follows:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
IF Bancorp (IROQ) has a PB Ratio of 0.99 as of Aug. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IF Bancorp and its competitors. This is 10% above median its historical median of 0.90. Over the past decade, IF Bancorp's PB Ratio has ranged from 0.55 to 1.18.
Is IF Bancorp's PB Ratio too high?
IF Bancorp's current PB Ratio of 0.99 is 10% above median its 10-year median of 0.90. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 1.18. The Banks industry median PB Ratio is 1.12. IF Bancorp's value of 0.99 is 11.6% below this industry median. Overall, IF Bancorp has a GF Score™ of 47/100, reflecting its overall financial health beyond just this single metric.
How does IF Bancorp's PB Ratio compare to STBK and JBTC?
IF Bancorp's PB Ratio of 0.99 can be compared against companies in the Banks industry. The industry median PB Ratio is 1.12. IF Bancorp's value of 0.99 is 11.6% below this benchmark. Historically, IF Bancorp's own PB Ratio has ranged from 0.55 to 1.18 over the past decade. While the company's 10-year median is 0.90 vs. the industry median of 1.12, IF Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,512 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IF Bancorp's current PB Ratio of 0.99 is 11.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IF Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IF Bancorp's current PB Ratio is 0.99, which is 10% above median its own 10-year median of 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IF Bancorp stock overvalued right now?
IF Bancorp (IROQ) has a current PB Ratio of 0.99. The stock's GF Value™ is $21.95, compared to a current price of $26.55 — trading 21% above its estimated fair value. The current PB Ratio is 0.99, which is 10% above median its 10-year median of 0.90 and 11.6% below the Banks industry median of 1.12. IF Bancorp's overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For IF Bancorp (IROQ), the current PB Ratio is 0.99 as of Aug. 15, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is IF Bancorp (IROQ) Overvalued in 2026?
Based on GuruFocus' analysis, IF Bancorp stock appears to be overvalued.
The current stock price of $26.55 is trading 21% above its estimated GF Value™ of $21.95.
Key valuation signals for IROQ:
PB Ratio: 0.99 (10% above median its 10-year median of 0.90)
GF Value™: $21.95 vs. price of $26.55 (21% above fair value)
No single metric tells the full story. See the IROQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IF Bancorp Inc is a holding company mainly engaged in the business of directing, planning, and coordinating the business activities of Iroquois Federal. The company, in association, takes deposits from the general public and invests those deposits together with funds generated from operations and borrowings in various loans such as multi-family residential and mortgage loans, commercial real estate loans, home equity lines of credit, consumer loans, etc., and offers a variety of deposit accounts and alternative delivery channels. In addition to the traditional banking products and services, the group also offers a full line of property and casualty insurance products, annuities, mutual funds, individual securities, managed accounts, and other financial services.
47GF Score
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