DDM Analysis: IROQ

Valuation Snapshot

Stable Growth	$264.46 - $311.58	$292.00
Multi-Stage	$58.39 - $63.98	$61.13
Blended Fair Value	$176.56
Current Price	$25.88
Upside	582.24%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	6.49%	12.30%	0.40	0.40	0.39	0.33	0.28	0.29	0.27	0.23	0.18	0.15
YoY Growth	-	-	0.55%	0.79%	18.93%	17.38%	-3.19%	8.18%	18.90%	23.94%	21.69%	20.10%
Dividend Yield	-	-	1.54%	1.96%	2.64%	1.74%	1.24%	1.88%	1.28%	0.97%	0.94%	0.80%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	5.06
(-) Cash Dividends Paid (M)	1.29
(=) Cash Retained (M)	3.78

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.01	0.63	0.38
Cash Retained (M)	3.78	3.78	3.78
(-) Cash Required (M)	-1.01	-0.63	-0.38
(=) Excess Retained (M)	2.76	3.14	3.40
(/) Shares Outstanding (M)	3.23	3.23	3.23
(=) Excess Retained per Share	0.86	0.97	1.05
LTM Dividend per Share	0.40	0.40	0.40
(+) Excess Retained per Share	0.86	0.97	1.05
(=) Adjusted Dividend	1.25	1.37	1.45
WACC / Discount Rate	5.76%	5.76%	5.76%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$264.46	$292.00	$311.58
Upside / Downside	921.87%	1,028.27%	1,103.94%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	5.06	5.39	5.74	6.12	6.51	6.94	7.14
Payout Ratio	25.40%	38.32%	51.24%	64.16%	77.08%	90.00%	92.50%
Projected Dividends (M)	1.29	2.07	2.94	3.92	5.02	6.24	6.61

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.76%	5.76%	5.76%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	1.94	1.95	1.97
Year 2 PV (M)	2.58	2.63	2.68
Year 3 PV (M)	3.22	3.32	3.41
Year 4 PV (M)	3.86	4.01	4.17
Year 5 PV (M)	4.50	4.72	4.94
PV of Terminal Value (M)	172.58	180.92	189.57
Equity Value (M)	188.69	197.55	206.74
Shares Outstanding (M)	3.23	3.23	3.23
Fair Value	$58.39	$61.13	$63.98
Upside / Downside	125.61%	136.20%	147.20%

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RWE.DE	RWE AG	3.53%	$1.66	46.76%
SNL.AX	Supply Network Limited	3.53%	$1.13	67.28%
0NHS.L	Nutrien Ltd.	3.52%	$2.18	58.76%
CELL.MI	Cellularline S.p.A.	3.52%	$0.09	34.70%
INFREA.ST	Infrea AB	3.52%	$0.50	67.57%
ISSP.JK	PT Steel Pipe Industry of Indonesia Tbk	3.52%	$15.00	19.85%
MGA	Magna International Inc.	3.52%	$1.92	52.47%
PARP.PA	Groupe Partouche S.A.	3.52%	$0.64	38.61%
PKI.TO	Parkland Corporation	3.52%	$1.40	73.81%
SMU.SN	SMU S.A.	3.52%	$5.49	46.99%
161390.KS	Hankook Tire & Technology Co., Ltd.	3.51%	$2,000.00	25.86%
300360.SZ	Hangzhou Sunrise Technology Co., Ltd.	3.51%	$0.61	52.03%
5106.KL	Axis Real Estate Investment Trust	3.51%	$0.07	56.99%
601128.SS	Jiangsu Changshu Rural Commercial Bank Co., Ltd.	3.51%	$0.25	19.56%
INTP.JK	PT Indocement Tunggal Prakarsa Tbk	3.51%	$259.81	43.04%
RATO-A.ST	Ratos AB (publ)	3.51%	$1.35	12.15%
002887.SZ	Tianjin LVYIN Landscape and Ecology Construction Co., Ltd	3.50%	$0.33	84.50%
603062.SS	MEGA P&C Advanced Materials (Shanghai) Company Limited	3.50%	$1.66	74.27%
CMCL	Caledonia Mining Corporation Plc	3.50%	$0.92	35.87%
DLO	DLocal Limited	3.50%	$0.49	87.74%
LAZ	Lazard Ltd	3.50%	$1.74	67.48%
TWL.MI	TraWell Co S.p.A.	3.50%	$0.21	28.69%
WJP.SI	VICOM Ltd	3.50%	$0.06	66.95%
005610.KS	SPC Samlip Co., Ltd.	3.49%	$1,803.39	45.19%
0RFL.L	VAT Group AG	3.49%	$12.50	88.50%
2030.HK	Cabbeen Fashion Limited	3.49%	$0.05	63.92%
5206.TWO	Kunyue Development Co., Ltd.	3.49%	$1.18	21.91%
5246.KL	Westports Holdings Berhad	3.49%	$0.20	71.36%
5989.T	H-One Co.,Ltd.	3.49%	$49.44	14.49%
ACO-X.TO	ATCO Ltd.	3.49%	$1.98	50.80%
CNI	Canadian National Railway Company	3.49%	$3.50	50.64%
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6722.TWO	Whetron Electronics Co.,Ltd.	3.48%	$1.99	24.71%
HOLM-A.ST	Holmen AB (publ)	3.48%	$12.23	66.11%
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3004.SR	Northern Region Cement Company	3.47%	$0.25	79.89%
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600133.SS	Wuhan East Lake High Technology Group Co., Ltd.	3.47%	$0.32	87.27%
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IF Bancorp, Inc. (IROQ)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener