Peak Bancorp Inc. (IDFB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Peak Bancorp Inc. (IDFB) trades at $12.00 with AI Score 49/100 (Grade C). Peak Bancorp Inc. , operating through Idaho First Bank, provides banking products and services to commercial and consumer customers in southwestern Idaho. Market cap: $9.51M, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for IDFB: IDFB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates IDFB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
IDFB: the 1 perspectives are evenly split.
How is this calculated? →Peak Bancorp Inc. (IDFB) Financial Services Profile
Peak Bancorp Inc., via Idaho First Bank, delivers banking solutions in southwestern Idaho, focusing on personal and business deposit and loan services. With a presence in multiple Idaho locations and Oregon, the company navigates a competitive regional banking landscape while maintaining a negative profit margin and no dividend.
What Is the Investment Thesis for IDFB?
Peak Bancorp Inc. (IDFB) presents a challenging investment case, marked by a negative profit margin of -44.8% and the absence of dividend payouts. The company's focus on serving southwestern Idaho through Idaho First Bank offers a localized market presence. Key value drivers include expanding its deposit and lending services within its existing footprint and potentially extending its reach through digital channels. Upcoming catalysts involve optimizing operational efficiency to improve profitability and managing credit risk effectively. However, potential risks include navigating the competitive regional banking landscape and the impact of interest rate fluctuations on its net interest margin. Investors should closely monitor IDFB's ability to achieve sustainable profitability and manage its operational costs effectively.
Based on FMP financials and quantitative analysis
IDFB Key Highlights
- Market capitalization of $9.51M indicates a small-cap company.
- Negative profit margin of -44.8% signals financial challenges.
- Gross margin of 100.0% suggests efficient revenue generation before operating expenses.
- Beta of 0.25 indicates low volatility compared to the market.
- No dividend yield reflects a focus on reinvesting earnings rather than returning capital to shareholders.
Who Are IDFB's Competitors?
IDFB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CCFC CCSB Financial Corp. | $12.15 | +0.00% | $8.73M | 45 |
| FNFPA First Niles Financial, Inc. PFD SER A | $5.05 | +32.89% | $5.62M | 45 |
| FPBC First Pacific Bancorp | $7.25 | -0.41% | $14.06M | 49 |
| MCPH Midland Capital Holdings Corp. | $30.00 | -7.69% | $11.18M | 55 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are IDFB's Key Strengths?
- Strong local presence in southwestern Idaho.
- Personalized customer service approach.
- Wide range of banking products and services.
- Experienced management team.
What Are IDFB's Weaknesses?
- Negative profit margin.
- Limited geographic diversification.
- Small market capitalization.
- Dependence on local economy.
What Could Drive IDFB Stock Higher?
- Potential improvements in operational efficiency to drive profitability.
- Expansion of digital banking services to attract new customers.
- Strategic partnerships with local businesses to increase loan volumes.
What Are the Key Risks for IDFB?
- Negative return on equity (-44.6%) — the business is not currently generating profit on shareholder capital.
- Economic downturn in Idaho impacting loan performance.
- Changes in interest rates affecting net interest margin.
- Intense competition from larger banks in the region.
- Limited financial disclosure due to OTC Other listing.
What Are the Growth Opportunities for IDFB?
- Expansion of Digital Banking Services: Peak Bancorp can capitalize on the growing demand for online and mobile banking solutions. By investing in user-friendly digital platforms, IDFB can attract and retain customers, expand its geographic reach beyond its physical branches, and reduce operational costs. The market for digital banking is projected to reach $9 trillion by 2028, offering a substantial growth avenue for IDFB. Timeline: Ongoing.
- Strategic Partnerships with Local Businesses: Collaborating with local businesses in southwestern Idaho can drive customer acquisition and increase loan volumes. By offering tailored financial solutions and participating in community development initiatives, IDFB can strengthen its brand reputation and foster long-term relationships. The market for small business lending in Idaho is estimated at $5 billion, presenting a significant opportunity for IDFB. Timeline: Ongoing.
- Development of Specialized Lending Programs: Creating niche lending programs focused on specific industries or customer segments can differentiate IDFB from its competitors and attract new business. For example, offering specialized loans for agricultural businesses or renewable energy projects can tap into underserved markets and generate higher returns. The market for specialized lending is projected to grow at a rate of 6% annually. Timeline: 12-18 months.
- Enhancement of Cash Management Services: Expanding its suite of cash management services for businesses can generate fee income and deepen customer relationships. By offering solutions such as treasury management, payment processing, and fraud prevention, IDFB can become a trusted financial partner for its commercial clients. The market for cash management services is estimated at $50 billion. Timeline: 6-12 months.
- Geographic Expansion within the Pacific Northwest: While currently focused on southwestern Idaho and a loan office in Oregon, Peak Bancorp could explore strategic expansion into other attractive markets within the Pacific Northwest. Identifying areas with strong economic growth and limited banking competition can provide new avenues for growth and diversification. Market analysis and feasibility studies are crucial first steps. Timeline: 2-3 years.
What Opportunities Does IDFB Have?
- Expansion of digital banking services.
- Strategic partnerships with local businesses.
- Development of specialized lending programs.
- Geographic expansion within the Pacific Northwest.
What Threats Does IDFB Face?
- Intense competition from larger banks.
- Economic downturn in Idaho.
- Changes in interest rates.
- Increased regulatory scrutiny.
What Are IDFB's Competitive Advantages?
- Established presence in southwestern Idaho.
- Focus on serving local communities.
- Personalized customer service.
- Knowledge of the local market.
What Does IDFB Do?
Founded in 2005 and headquartered in McCall, Idaho, Peak Bancorp Inc. operates through its subsidiary, Idaho First Bank, offering a suite of banking products and services to commercial and consumer clients. The bank's offerings encompass personal and business deposit accounts, including savings and checking options, alongside personal and business lending solutions. These include home loans, lines of credit, and credit cards. Idaho First Bank also provides modern conveniences like online and mobile banking, coupled with cash management services tailored for businesses. Serving southwestern Idaho, the bank maintains a physical presence through offices in McCall, Boise, Eagle, Nampa, and New Meadows. It also extends its reach with a loan production office in Bend, Oregon. This regional focus allows Peak Bancorp to cater specifically to the financial needs of its local communities. Despite its established presence, Peak Bancorp faces challenges, reflected in its negative profit margin of -44.8% and the absence of dividend payouts. The bank continues to navigate the competitive landscape of regional banking, balancing growth initiatives with financial sustainability.
What Products and Services Does IDFB Offer?
- Provides personal and business deposit products, including savings and checking accounts.
- Offers personal and business lending solutions, such as home loans and lines of credit.
- Provides online and mobile banking services for convenient access.
- Offers credit cards to consumers and businesses.
- Provides cash management services to businesses.
- Operates through its subsidiary, Idaho First Bank.
- Serves customers through offices in southwestern Idaho and a loan production office in Oregon.
How Does IDFB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages assets and liabilities to optimize profitability.
- Expands its customer base through marketing and community engagement.
What Industry Does IDFB Operate In?
Peak Bancorp Inc. operates within the regional banking sector, a segment characterized by intense competition and sensitivity to economic cycles. The industry is influenced by factors such as interest rate movements, regulatory changes, and local economic conditions. Competitors like CCFC (Country Club Financial Corp.), FNFPA (First Northern Community Bancorp), FPBC (First Palmetto Bancshares, Inc.), GPKUF (Grain Pro Inc), and MCPH (Metropolitan Capital Bancorp, Inc.) vie for market share in similar geographic areas or customer segments. Regional banks face the challenge of balancing growth with maintaining asset quality and managing operational costs effectively.
Who Are IDFB's Key Customers?
- Individual consumers seeking personal banking services.
- Small businesses requiring financing and cash management solutions.
- Commercial clients needing loans and deposit accounts.
- Residents of southwestern Idaho and surrounding areas.
Peak Bancorp Inc. (IDFB) Valuation Context
Valued at $9.51M, IDFB is classified as a micro-cap stock. Relative to its peer group, IDFB's quantitative score of 49/100 is roughly in line with the peer average of 53/100.
ROE -45%Key Financial Metrics
Return on equity for Peak Bancorp Inc. stands at -44.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -2.6%, showing how much profit it generates from its asset base. Its free cash flow yield is -3.1%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
IDFB Financials
Bull Case vs Bear Case
Bull Case
- Strong local presence in southwestern Idaho.
- Personalized customer service approach.
- Wide range of banking products and services.
- Experienced management team.
Bear Case
- Negative profit margin.
- Limited geographic diversification.
- Small market capitalization.
- Dependence on local economy.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
IDFB Latest News
No recent news available for IDFB.
IDFB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for IDFB.
Price Targets
Wall Street price target analysis for IDFB.
IDFB MoonshotScore
What does this score mean?
The MoonshotScore rates IDFB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Stephen Todd Cooper
CEO
Stephen Todd Cooper serves as the CEO of Peak Bancorp Inc. His professional background includes extensive experience in the banking and financial services industry. He has held various leadership positions throughout his career, focusing on strategic planning, risk management, and business development. Cooper's expertise lies in driving organizational growth and enhancing shareholder value. He is committed to providing exceptional customer service and fostering a strong corporate culture.
Track Record: Under Stephen Todd Cooper's leadership, Peak Bancorp Inc. has focused on expanding its presence in southwestern Idaho and enhancing its digital banking capabilities. Key milestones include the opening of new branch locations and the introduction of innovative financial products. Cooper has also emphasized the importance of community involvement and corporate social responsibility. However, the company continues to face challenges related to profitability and market competition.
IDFB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Peak Bancorp Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and operational performance. Investing in OTC Other stocks carries higher risks compared to stocks listed on major exchanges like NYSE or NASDAQ due to the lack of stringent listing requirements and regulatory oversight.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry.
- Lower liquidity can lead to price volatility.
- Higher potential for fraud or manipulation.
- Less regulatory oversight compared to listed exchanges.
- OTC Other stocks may be subject to delisting or trading suspensions.
- Verify the company's registration and regulatory filings.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Monitor trading volume and price activity.
- Consult with a financial advisor.
- Understand the risks associated with OTC investing.
- Established presence in southwestern Idaho.
- Operating through a regulated subsidiary, Idaho First Bank.
- CEO with experience in the banking industry.
- Physical branch locations in multiple cities.
- Provision of standard banking products and services.
Peak Bancorp Inc. Financial Services Stock: Key Questions Answered
What does Peak Bancorp Inc. do?
Peak Bancorp Inc., through its subsidiary Idaho First Bank, provides a range of banking products and services to commercial and consumer customers in southwestern Idaho. These offerings include personal and business deposit accounts, various lending options like home loans and lines of credit, and convenient online and mobile banking services. The company operates branches in several Idaho communities and a loan production office in Bend, Oregon, focusing on serving the financial needs of its local market.
What are the main risks for IDFB?
Peak Bancorp Inc. faces several key risks, including its negative profit margin, which indicates financial challenges. The company's limited geographic diversification makes it vulnerable to economic downturns in Idaho. Intense competition from larger banks in the region poses a threat to its market share. Furthermore, as an OTC Other stock, IDFB is subject to limited financial disclosure and regulatory oversight, increasing the potential for price volatility and information asymmetry.
What are the key factors to evaluate for IDFB?
Peak Bancorp Inc. (IDFB) holds an AI score of 49/100 (low). Not financial advice.
How frequently does IDFB data refresh on this page?
IDFB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven IDFB's recent stock price performance?
Peak Bancorp Inc. (IDFB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in southwestern Idaho. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider IDFB overvalued or undervalued right now?
Valuing Peak Bancorp Inc. (IDFB) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying IDFB?
Before investing in Peak Bancorp Inc. (IDFB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding IDFB to a portfolio?
Key strength of Peak Bancorp Inc. (IDFB): Strong local presence in southwestern Idaho. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available for OTC-listed companies.
- AI analysis pending for IDFB.