Should I Buy IROQ? IROQ 2026 Analysis

Should You Buy IF Bancorp Inc (IROQ) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

27.780

1 Day change

1.50%

52 Week Range

29.000

Analysis Updated At

2026/02/05

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Not a good buy right now for an impatient investor: no proprietary buy signals, mixed momentum, and downside-leaning short-term pattern stats.
Merger approval/expected close (Mar 12, 2026) can support the price, but it also tends to cap near-term upside (deal-arb behavior) unless new favorable terms emerge.
If you already own it, it looks more like a hold into the merger timeline than an aggressive add at the current pre-market level.

Intellectia Proprietary Trading Signals

AI Stock Picker: no signal on given stock today.
SwingMax: No signal on given stock recently.

Technical Analysis

Trend structure: bullish longer-term alignment (SMA_5 > SMA_20 > SMA_200) suggests the broader trend is still up.
Momentum: MACD histogram is negative (-0.0235) and negatively expanding, indicating weakening/rolling momentum despite bullish MAs.
RSI (6): 56.18 (neutral) — not oversold; no clear “dip-buy” reading.
Levels: Pre-market 27.22 is below the pivot (27.415) and just above S1 (27.094). That’s a mildly defensive position (near support) but still under a key reclaim level.
Near-term pattern odds (similar candlesticks): 40% chance of -0.46% next day, -2.6% next week, -4.05% next month — bias slightly negative.

Positive Catalysts

- Shareholders approved the merger with ServBanc Holdco; expected close March 12, 2026 (pending customary conditions) — supportive event-driven backdrop.
- Recent quarter showed higher net interest income and continued merger progress, which can underpin sentiment into the closing window.
- Stockholders’ equity increased to $87.4M (as of Dec 31, 2025), a balance-sheet positive in the context of a bank merger.

Neutral/Negative Catalysts

- Merger-related risks/uncertainties: market conditions or closing conditions could delay or impair the transaction.
- Total assets declined to $830.4M (as of Dec 31, 2025), which can raise questions about balance-sheet shrinkage/loan growth.
- Technical momentum is softening (bearish MACD expansion) and short-term statistical path skews negative.
- Hedge funds and insiders are neutral (no supportive accumulation signal).

Financial Performance

Latest quarter (2026/Q2): Revenue $11.94M, up 111.03% YoY (strong top-line growth).
Net income $1.33M, up 8.94% YoY (profit growth positive but far less explosive than revenue).
EPS $0.41, up 7.89% YoY (steady improvement).
Overall: growth is positive, but the gap between revenue growth and earnings growth suggests margins/expenses/credit costs may be limiting operating leverage.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No analyst rating / price target change data was provided, so there’s no observable recent Wall Street upgrade/downgrade trend to lean on.
Pros (typical Street view in a merger setup): clearer catalyst path (deal close) and potential valuation “anchor” from the transaction.
Cons: upside can be capped near implied deal value, and any perceived closing risk can widen the discount quickly.

Analyst Rating

Wall Street analysts forecast IROQ stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for IROQ is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

Buy

Hold

Sell

Current: 27.370

Low

Averages

High