IF Bancorp (Nasdaq:IROQ) - Stock Price, News & Analysis

IROQ Stock Overview

Operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial services to individual and corporate clients. More details

IROQ fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	4/6

Rewards

Pays a reliable dividend of 1.9%

Risk Analysis

Earnings have declined by 9.5% per year over past 5 years

Profit margins (8.7%) are lower than last year (13%)

Does not have a meaningful market cap ($69M)

IF Bancorp, Inc. Competitors

United Bancshares

OTCPK:UBOH

US$65.7m

F & M Bank

OTCPK:FMBM

US$73.4m

JBT Bancorp

OTCPK:JBTC

US$72.0m

Auburn National Bancorporation

NasdaqGM:AUBN

US$81.6m

Price History & Performance

Summary of all time highs, changes and price drops for IF Bancorp
Historical stock prices
Current Share Price	US$21.00
52 Week High	US$22.00
52 Week Low	US$14.00
Beta	0.53
11 Month Change	-1.87%
3 Month Change	17.19%
1 Year Change	47.06%
33 Year Change	-10.79%
5 Year Change	-4.89%
Change since IPO	79.95%

Recent updates

If You Had Bought IF Bancorp (NASDAQ:IROQ) Stock Five Years Ago, You Could Pocket A 21% Gain Today

Feb 18

Here's Why I Think IF Bancorp (NASDAQ:IROQ) Is An Interesting Stock

Jan 11

Here's What We Think About IF Bancorp's (NASDAQ:IROQ) CEO Pay

Dec 16

Is IF Bancorp, Inc. (NASDAQ:IROQ) A Smart Pick For Income Investors?

Nov 20

IF Bancorp reports FQ1 results

Oct 30

Shareholder Returns

	IROQ	US Banks	US Market
7D	-1.5%	3.1%	2.2%
1Y	47.1%	60.1%	32.6%

Return vs Industry: IROQ underperformed the US Banks industry which returned 57.7% over the past year.

Return vs Market: IROQ exceeded the US Market which returned 31.6% over the past year.

Price Volatility

Is IROQ's price volatile compared to industry and market?
IROQ volatility
IROQ Average Weekly Movement	5.0%
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	15.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: IROQ has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: IROQ's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1883	113	Chip Hasselbring	iroquoisfed.com

IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial services to individual and corporate clients. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, individual retirement accounts, and health savings accounts. It provides loans comprising one- to four-family residential mortgage loans; multi-family mortgage loans; commercial real estate loans, such as farm loans; home equity lines of credit; commercial business loans; and consumer loans primarily comprising automobile loans, as well as construction loans and land development loans.

IF Bancorp, Inc. Fundamentals Summary

How do IF Bancorp's earnings and revenue compare to its market cap?
IROQ fundamental statistics
Market cap	US$68.64m
Earnings (TTM)	US$1.96m
Revenue (TTM)	US$22.44m

34.6x

P/E Ratio

0.9x

P/B Ratio

Is IROQ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
IROQ income statement (TTM)
Revenue	US$22.44m
Cost of Revenue	US$0
Gross Profit	US$22.44m
Other Expenses	US$20.48m
Earnings	US$1.96m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.61
Gross Margin	100.00%
Net Profit Margin	8.72%
Debt/Equity Ratio	160.7%

How did IROQ perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

64%

Payout Ratio

IROQ Stock Overview

Rewards

Risk Analysis

IF Bancorp, Inc. Competitors

OTCPK:UBOH

US$65.7m

OTCPK:FMBM

US$73.4m

OTCPK:JBTC

US$72.0m

NasdaqGM:AUBN

US$81.6m

Price History & Performance

Recent News & Updates

Stilwell Value LLC Urges Prompt Sale of IF Bancorp, Inc

Stilwell Value LLC Urges Prompt Sale of IF Bancorp, Inc

First quarter 2025 earnings released: EPS: US$0.20 (vs US$0.14 in 1Q 2024)

IF Bancorp, Inc., Annual General Meeting, Nov 25, 2024

Now 20% undervalued

Upcoming dividend of US$0.20 per share

Recent updates

Stilwell Value LLC Urges Prompt Sale of IF Bancorp, Inc

Stilwell Value LLC Urges Prompt Sale of IF Bancorp, Inc

First quarter 2025 earnings released: EPS: US$0.20 (vs US$0.14 in 1Q 2024)

IF Bancorp, Inc., Annual General Meeting, Nov 25, 2024

Now 20% undervalued

Upcoming dividend of US$0.20 per share

Full year 2024 earnings released: EPS: US$0.57 (vs US$1.50 in FY 2023)

IF Bancorp (NASDAQ:IROQ) Will Pay A Dividend Of $0.20

Dividend of US$0.20 announced

IF Bancorp, Inc. Announces Cash Dividend, Payable on October 18, 2024

New major risk - Revenue and earnings growth

Third quarter 2024 earnings released: EPS: US$0.22 (vs US$0.22 in 3Q 2023)

Upcoming dividend of US$0.20 per share

First half dividend of US$0.20 announced

IF Bancorp, Inc. Announces Cash Dividend, Payable on April 15, 2024

Second quarter 2024 earnings released: EPS: US$0.058 (vs US$0.44 in 2Q 2023)

Now 20% undervalued

Investor sentiment improves as stock rises 19%

First quarter 2024 earnings released: EPS: US$0.14 (vs US$0.63 in 1Q 2023)

Upcoming dividend of US$0.20 per share at 2.8% yield

Full year 2023 earnings released: EPS: US$1.50 (vs US$1.88 in FY 2022)

IF Bancorp (NASDAQ:IROQ) Has Announced A Dividend Of $0.20

IF Bancorp (NASDAQ:IROQ) Has Announced A Dividend Of $0.20

IF Bancorp, Inc., Annual General Meeting, Nov 20, 2023

Third quarter 2023 earnings released: EPS: US$0.22 (vs US$0.38 in 3Q 2022)

Now 21% undervalued after recent price drop

Upcoming dividend of US$0.20 per share at 2.5% yield

Senior EVP exercised options to buy US$107k worth of stock.

IF Bancorp, Inc. Declares Cash Dividend, Payable on April 14, 2023

Second quarter 2023 earnings released: EPS: US$0.44 (vs US$0.56 in 2Q 2022)

IF Bancorp, Inc. Approves the Election of Richard S. Stenzinger as Director

Insufficient new directors

First quarter 2023 earnings released: EPS: US$0.63 (vs US$0.62 in 1Q 2022)

Now 22% undervalued

Now 20% undervalued after recent price drop

Upcoming dividend of US$0.20 per share

President exercised options to buy US$155k worth of stock.

Full year 2022 earnings released: EPS: US$1.88 (vs US$1.76 in FY 2021)

IF Bancorp GAAP EPS of $0.34, revenue of $6.69M

IF Bancorp (NASDAQ:IROQ) Is Increasing Its Dividend To $0.20

IF Bancorp, Inc., Annual General Meeting, Nov 21, 2022

IF Bancorp, Inc. Announces Cash Dividend, Payable on October 14, 2022

IF Bancorp declares $0.20 dividend

Now 21% undervalued after recent price drop

Now 21% undervalued after recent price drop

Third quarter 2022 earnings released: EPS: US$0.38 (vs US$0.51 in 3Q 2021)

Insufficient new directors

Upcoming dividend of US$0.17 per share

IF Bancorp, Inc. Announces Cash Dividend, Payable on April 15, 2022

Second quarter 2022 earnings: Revenues and EPS in line with analyst expectations

Investor sentiment improved over the past week

Does IF Bancorp (NASDAQ:IROQ) Deserve A Spot On Your Watchlist?

Senior EVP & CLO exercised options to buy US$95k worth of stock.

First quarter 2022 earnings released: EPS US$0.62 (vs US$0.44 in 1Q 2021)

Upcoming dividend of US$0.17 per share

President exercised options to buy US$90k worth of stock.

Full year 2021 earnings released: EPS US$1.76 (vs US$1.37 in FY 2020)

IF Bancorp (NASDAQ:IROQ) Will Pay A Larger Dividend Than Last Year At US$0.17

IF Bancorp's (NASDAQ:IROQ) Dividend Will Be Increased To US$0.17