Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, IF Bancorp's PE Ratio without NRI is 16.37. IF Bancorp's 5-Year Book Value growth rate is 3.80%. Therefore, IF Bancorp's PEG Ratio for today is 4.31.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for IF Bancorp's PEG Ratio or its related term are showing as below:
IROQ'
s PEG Ratio Range Over the Past 10 Years
Min: 1.76 Med: 4.74 Max: 89.26
Current: 4.31
During the past 13 years, IF Bancorp's highest PEG Ratio was 89.26. The lowest was 1.76. And the median was 4.74.
IROQ's PEG Ratio is not ranked
in the Banks industry.
Industry Median: 1.55
vs IROQ: 4.31
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
IF Bancorp PEG Ratio Related Terms
IF Bancorp PEG Ratio Historical Data
* Premium members only.
The historical data trend for IF Bancorp's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, IF Bancorp's PEG Ratio distribution charts can be found below:
* The bar in red indicates where IF Bancorp's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
IF Bancorp (IROQ) has a PEG Ratio of 4.31 as of Aug. 15, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on IF Bancorp and its competitors. This is near median its historical median of 4.74. Over the past decade, IF Bancorp's PEG Ratio has ranged from 1.76 to 89.26.
Is IF Bancorp's PEG Ratio too high?
IF Bancorp's current PEG Ratio of 4.31 is near median its 10-year median of 4.74. Over the past 10 years, this metric has ranged from a low of 1.76 to a high of 89.26. The Banks industry median PEG Ratio is 1.55. IF Bancorp's value of 4.31 is 178.1% above 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 PEG Ratio compare to STBK and JBTC?
IF Bancorp's PEG Ratio of 4.31 can be compared against companies in the Banks industry. The industry median PEG Ratio is 1.55. IF Bancorp's value of 4.31 is 178.1% above this benchmark. Historically, IF Bancorp's own PEG Ratio has ranged from 1.76 to 89.26 over the past decade. While the company's 10-year median is 4.74 vs. the industry median of 1.55, IF Bancorp has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.55, based on 1,227 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IF Bancorp's current PEG Ratio of 4.31 is 178.1% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on IF Bancorp and its competitors. For the Banks industry, the median PEG Ratio is 1.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IF Bancorp's current PEG Ratio is 4.31, which is near median its own 10-year median of 4.74. 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 PEG Ratio of 4.31. 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 PEG Ratio is 4.31, which is near median its 10-year median of 4.74 and 178.1% above the Banks industry median of 1.55. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For IF Bancorp (IROQ), the current PEG Ratio is 4.31 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:
PEG Ratio: 4.31 (near median its 10-year median of 4.74)
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
Get the complete analysis for IROQ
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IROQ has been successfully added to your 
