Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
IF Bancorp Inc (IROQ)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/04/2025: IROQ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 13.24% | Avg. Invested days 59 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 79.05M USD | Price to earnings Ratio 26.06 | 1Y Target Price - |
Price to earnings Ratio 26.06 | 1Y Target Price - | ||
Volume (30-day avg) 3009 | Beta 0.3 | 52 Weeks Range 14.58 - 25.55 | Updated Date 04/6/2025 |
52 Weeks Range 14.58 - 25.55 | Updated Date 04/6/2025 | ||
Dividends yield (FY) 1.63% | Basic EPS (TTM) 0.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.35% | Operating Margin (TTM) 26.86% |
Management Effectiveness
Return on Assets (TTM) 0.33% | Return on Equity (TTM) 4% |
Valuation
Trailing PE 26.06 | Forward PE - | Enterprise Value 190329280 | Price to Sales(TTM) 3.26 |
Enterprise Value 190329280 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 7.54 | Enterprise Value to EBITDA - | Shares Outstanding 3226430 | Shares Floating 1597407 |
Shares Outstanding 3226430 | Shares Floating 1597407 | ||
Percent Insiders 36.02 | Percent Institutions 29.21 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
IF Bancorp Inc
Company Overview
History and Background
IF Bancorp, Inc. operates as the holding company for Iroquois Federal Savings and Loan Association. Iroquois Federal was originally chartered on June 4, 1887, as a mutual savings and loan association. They have grown through organic expansion and strategic acquisitions, focusing on community banking in Illinois and Indiana.
Core Business Areas
- Community Banking: Provides traditional banking services including deposit accounts, loans, and other financial products to individuals and businesses in its service area. Focus is on residential mortgages and commercial real estate lending.
Leadership and Structure
IF Bancorp Inc's leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other key executives. The organizational structure is typical of a community bank holding company.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products for home purchase and refinancing. Market share is limited to its geographic footprint in Illinois and Indiana. Competitors include larger national and regional banks and mortgage companies.
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share is regional. Competitors include national and regional banks, credit unions, and private lenders.
- Deposit Accounts: Offers checking, savings, money market and certificate of deposit accounts. Limited national market share and competes heavily with larger banks and online banking institutions.
Market Dynamics
Industry Overview
The community banking industry is highly competitive, with increasing pressure from larger banks, credit unions, and fintech companies. Regulatory compliance and interest rate fluctuations are key challenges.
Positioning
IF Bancorp Inc positions itself as a community-focused bank providing personalized service. Its competitive advantage lies in its local presence and relationships.
Total Addressable Market (TAM)
The total addressable market for community banking in Illinois and Indiana is estimated at billions of dollars. IF Bancorp Inc's is positioned within this TAM, but it constitutes a small fraction compared to national giants.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic footprint
- Lack of scale compared to larger banks
- Dependence on interest rate margins
- Limited product diversification
Opportunities
- Expansion into new markets within Illinois and Indiana
- Acquisitions of smaller community banks
- Development of new digital banking services
- Growth in commercial lending
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOH (BOH)
- MBWM (MBWM)
- CASH (CASH)
Competitive Landscape
IF Bancorp Inc faces significant competition from larger regional and national banks with greater resources and broader product offerings. Its advantage lies in its local market knowledge and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires access to financials to fulfill.
Future Projections: Requires access to analyst estimates to fulfill.
Recent Initiatives: Requires access to company reports to fulfill.
Summary
IF Bancorp Inc is a small community bank with a solid local presence but limited scale. Its strengths lie in its customer relationships and conservative lending practices. The company faces threats from larger competitors and economic volatility, requiring focus on strategic growth and efficiency improvements.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
CASH
Meta Financial Group Inc
CASH
Meta Financial Group Inc
MBWM
Mercantile Bank Corporation
MBWM
Mercantile Bank Corporation
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About IF Bancorp Inc
Exchange NASDAQ | Headquaters Watseka, IL, United States | ||
IPO Launch date 2011-07-08 | CEO & Chairman Mr. Walter H. Hasselbring III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 109 | Website https://iroquoisfed.com |
Full time employees 109 | Website https://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. In addition, the company sells property and casualty insurance, as well as offers annuities; mutual funds; individual and group retirement plans; life, disability, and health insurance; individual securities; managed accounts; and other financial services. IF Bancorp, Inc. invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. The company was founded in 1883 and is headquartered in Watseka, Illinois.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.