IROQ - IF Bancorp Inc Stock Price, Fair Value and News

16.25USD0.00 (0.00%)Market Closed

Market Summary

USD16.250.00

Market Closed

0.00%

IROQ Stock Price

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IROQ RSI Chart

IROQ Valuation

Market Cap

54.5M

Price/Earnings (Trailing)

28.13

Price/Sales (Trailing)

1.5

EV/EBITDA

2.12

Price/Free Cashflow

49.97

IROQ Price/Sales (Trailing)

IROQ Profitability

EBT Margin

6.96%

Return on Equity

2.63%

Return on Assets

0.21%

Free Cashflow Yield

IROQ Fundamentals

IROQ Revenue

Revenue (TTM)

36.4M

Rev. Growth (Yr)

26.19%

Rev. Growth (Qtr)

10.1%

IROQ Earnings

Earnings (TTM)

1.9M

Earnings Growth (Yr)

-86.82%

Earnings Growth (Qtr)

-60.3%

Breaking Down IROQ Revenue

Last 7 days

1.1%

Last 30 days

-0.8%

Last 90 days

-2.9%

Trailing 12 Months

11.4%

How does IROQ drawdown profile look like?

IROQ Financial Health

IROQ Investor Care

Dividend Yield

2.46%

Dividend/Share (TTM)

0.4

Shares Dilution (1Y)

0.51%

Diluted EPS (TTM)

0.62

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	29.6M	32.1M	34.3M	36.4M
2022	24.5M	24.8M	25.6M	27.4M
2021	24.8M	24.4M	24.3M	24.4M
2020	27.5M	27.0M	26.2M	25.7M
2019	25.8M	26.7M	27.3M	27.4M
2018	22.1M	22.8M	23.7M	24.7M
2017	21.4M	21.3M	21.4M	21.7M
2016	19.8M	20.4M	20.9M	21.3M
2015	18.9M	18.9M	19.1M	19.4M
2014	18.6M	19.0M	19.1M	19.0M
2013	17.6M	17.6M	17.8M	18.2M
2012	17.7M	18.0M	17.9M	17.7M
2011	0	16.9M	17.0M	17.3M
2010	0	0	0	0

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of IF Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Nov 14, 2023	chamberlain thomas j	bought	273	14.415	19.00	sevp and clo
Nov 14, 2023	chamberlain thomas j	bought	3,893	14.42	270	sevp and clo
Nov 14, 2023	chamberlain thomas j	bought	2,453	14.43	170	sevp and clo
Nov 13, 2023	chamberlain thomas j	bought	643	14.3	45.00	sevp and clo
Jun 12, 2023	chamberlain thomas j	bought	12,100	13.8927	871	sevp and clo
Jun 09, 2023	chamberlain thomas j	bought	2,835	13.9	204	sevp and clo
May 04, 2023	chamberlain thomas j	bought	22,608	15.0723	1,500	sevp and clo
May 03, 2023	chamberlain thomas j	bought	18,743	15.3385	1,222	sevp and clo
May 02, 2023	chamberlain thomas j	bought	3,158	14.9	212	sevp and clo
Feb 28, 2023	verkler pamela j	acquired	99,780	16.63	6,000	sevp, cfo and treasurer

Which funds bought or sold IROQ recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
May 01, 2024	BNP PARIBAS FINANCIAL MARKETS	unchanged	-	5.00	182	-%
Mar 11, 2024	VANGUARD GROUP INC	added	5.27	73,871	627,943	-%
Feb 14, 2024	BANK OF AMERICA CORP /DE/	unchanged	-	2,280	32,060	-%
Feb 14, 2024	Fourthstone LLC	sold off	-100	-186,125	-	-%
Feb 14, 2024	GENDELL JEFFREY L	added	7.88	606,094	4,360,800	0.24%
Feb 14, 2024	MALTESE CAPITAL MANAGEMENT LLC	unchanged	-	237,485	3,339,350	0.94%
Feb 14, 2024	Royal Bank of Canada	new	-	-	-	-%
Feb 13, 2024	Qube Research & Technologies Ltd	sold off	-100	-1,087	-	-%
Feb 13, 2024	MORGAN STANLEY	reduced	-0.78	5,497	86,097	-%

Are Funds Buying or Selling IROQ?

Are funds buying IROQ calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own IROQ

No. of Funds

Unveiling IF Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	gendell jeffrey l	7.89%	264,839	SC 13G/A
Feb 13, 2024	maltese capital management llc	6.2%	208,319	SC 13G/A
Jan 26, 2024	schwab gary s.	8.27%	29	SC 13G/A
Jan 25, 2024	if bancorp, inc.	6.3%	209,755	SC 13G/A
Jan 25, 2024	if bancorp, inc.	9.8%	327,700	SC 13G/A
Sep 18, 2023	stilwell joseph	6.6%	221,736	SC 13D
Feb 14, 2023	gendell jeffrey l	6.91%	230,508	SC 13G/A
Feb 14, 2023	maltese capital management llc	7.7%	256,945	SC 13G/A
Jan 30, 2023	schwab gary s.	7.73%	29	SC 13G/A
Jan 27, 2023	if bancorp, inc.	6.55%	218,755	SC 13G/A

Recent SEC filings of IF Bancorp Inc

View All Filings

Date Filed	Form Type	Document
Apr 30, 2024	8-K	Current Report
Feb 14, 2024	8-K	Current Report
Feb 13, 2024	SC 13G/A	Major Ownership Report
Feb 13, 2024	SC 13G/A	Major Ownership Report
Feb 12, 2024	10-Q	Quarterly Report
Jan 30, 2024	8-K	Current Report
Jan 26, 2024	SC 13G/A	Major Ownership Report
Jan 25, 2024	SC 13G/A	Major Ownership Report
Jan 25, 2024	SC 13G/A	Major Ownership Report

Peers (Alternatives to IF Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	550.4B	174.7B	-3.62%	40.95%	10.93	3.15	53.11%	19.83%
BAC	288.3B	127.4B	-1.15%	32.34%	11.52	2.26	44.27%	-12.56%
WFC	208.6B	85.8B	4.32%	56.01%	11.11	2.43	35.02%	26.14%
C	117.6B	133.3B	-2.05%	34.77%	12.75	0.88	79.09%	-
CFG	16.1B	10.2B	-0.14%	33.45%	9.98	1.57	44.53%	-22.43%
KEY	14.0B	8.1B	-2.62%	55.93%	16.03	1.72	32.15%	-50.93%
MID-CAP
CMA	6.9B	4.2B	-3.21%	45.81%	9.9	1.62	34.68%	-45.96%
ZION	6.3B	3.9B	0.71%	88.53%	9.31	1.6	45.91%	-25.03%
ABCB	3.4B	1.3B	3.97%	58.26%	12.49	2.62	43.24%	-22.35%
ASB	3.3B	1.8B	5.09%	36.86%	20.51	1.79	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	391.4M	152.4M	-5.49%	44.45%	39.37	2.57	16.94%	-73.84%
AROW	387.7M	162.6M	-2.25%	14.75%	12.89	2.38	25.39%	-38.37%
ACNB	284.2M	96.6M	-5.09%	17.23%	8.97	2.94	11.02%	-11.37%
ASRV	42.0M	60.9M	2.51%	-13.74%	-12.56	0.69	24.06%	-144.92%

IF Bancorp Inc News

Latest updates

IF Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	10.1%	10,229	9,291	8,690	8,198	8,106	7,078	6,232	6,003	6,306	6,251	5,928	5,926	6,238	6,265	6,386	6,799	6,789	7,008	6,935	6,713	6,658
EBITDA Margin	-18.2%	0.60*	0.73*	0.90*	1.03*	1.15*	1.23*	1.24*	1.24*	1.25*	1.22*	1.16*	1.14*	-	-	-	-	-	-	-	-	-
Interest Expenses	-4.3%	4,388	4,583	4,666	5,036	6,045	6,250	5,620	5,392	5,679	5,572	5,217	5,024	5,050	4,888	4,771	4,590	4,341	4,586	4,474	4,444	4,491
Income Taxes	-73.1%	47.00	175	172	202	486	740	349	402	629	663	351	600	571	512	536	316	372	415	383	286	279
Earnings Before Taxes	-63.8%	232	641	769	892	1,890	2,709	1,384	1,556	2,333	2,554	1,344	2,160	2,034	1,843	1,907	1,126	1,336	1,515	1,416	1,090	1,066
EBT Margin	-43.1%	0.07*	0.12*	0.20*	0.23*	0.27*	0.31*	0.32*	0.32*	0.34*	0.33*	0.30*	0.32*	-	-	-	-	-	-	-	-	-
Net Income	-60.3%	185	466	597	690	1,404	1,969	1,035	1,154	1,704	1,891	993	1,560	1,463	1,331	1,371	810	964	1,100	1,033	804	787
Net Income Margin	-42.2%	0.05*	0.09*	0.15*	0.17*	0.20*	0.23*	0.23*	0.23*	0.25*	0.24*	0.22*	0.23*	-	-	-	-	-	-	-	-	-
Free Cashflow	-88.5%	104	908	1,006	-927	750	-313	2,861	1,929	3,461	31.00	2,141	2,126	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	4.6%	911	871	849	843	824	807	858	786	773	767	797	745	713	726	736	684	678	678	724	663	664
Cash Equivalents	-39.9%	8.00	14.00	11.00	9.00	8.00	11.00	76.00	28.00	34.00	29.00	63.00	33.00	8.00	16.00	33.00	7.00	11.00	9.00	60.00	7.00	7.00
Net PPE	-1.4%	11.00	11.00	11.00	11.00	9.00	9.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	11.00	11.00	11.00	11.00
Liabilities	4.1%	837	804	777	769	753	739	786	708	686	681	712	662	628	642	653	605	600	601	641	582	586
Shareholder's Equity	10.7%	74.00	67.00	72.00	74.00	71.00	67.00	72.00	78.00	86.00	86.00	85.00	83.00	85.00	84.00	83.00	79.00	78.00	77.00	82.00	80.00	79.00
Retained Earnings	0.5%	43.00	43.00	43.00	43.00	43.00	41.00	40.00	39.00	39.00	37.00	36.00	35.00	34.00	32.00	31.00	30.00	30.00	29.00	35.00	34.00	35.00
Additional Paid-In Capital	0.2%	52.00	52.00	52.00	51.00	51.00	51.00	50.00	50.00	50.00	50.00	50.00	50.00	49.00	49.00	49.00	49.00	49.00	49.00	49.00	49.00	49.00
Accumulated Depreciation	1.4%	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	8.00	8.00	8.00	8.00	8.00	7.00	7.00	7.00	7.00
Shares Outstanding	0%	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	-	42.00	-	-	-	61.00	-	-	-	51.00	-	-	-	54.00	-	-	-	53.00

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-88.2%	118	1,001	1,114	1,101	836	-285	2,966	2,129	3,504	70.00	2,169	2,186	1,314	1,198	2,123	1,204	1,702	1,867	1,998	1,077	2,716
Share Based Compensation	-18.9%	73.00	90.00	90.00	90.00	91.00	56.00	40.00	40.00	34.00	42.00	44.00	36.00	82.00	31.00	56.00	56.00	56.00	55.00	56.00	56.00	57.00
Cashflow From Investing	-46.6%	-38,172	-26,038	-5,605	-16,172	-16,613	-18,729	-32,457	-28,489	-3,845	-4,012	-22,656	-8,575	4,625	-9,432	-22,230	-8,777	653	-3,949	-7,118	3,246	-7,800
Cashflow From Financing	18.1%	32,641	27,631	6,014	16,093	12,834	-45,411	77,640	20,435	5,017	-29,882	49,966	31,980	-13,970	-9,537	46,699	3,604	-887	-48,142	58,162	-4,783	4,972
Dividend Payments	-	-	-	636	-	-	-	535	-	-	-	455	-	-	-	452	-	-	-	415	-	-
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	443	233	6,783	60.00	732	5,430

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IROQ Income Statement

2023-12-31

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Interest and Dividend Income
Interest and fees on loans	$ 8,702	$ 6,599	$ 16,435	$ 12,199
Securities:
Taxable	1,365	1,368	2,760	2,703
Tax-exempt	25	27	51	54
Federal Home Loan Bank dividends	78	39	146	70
Deposits with other financial institutions	59	73	128	158
Total interest and dividend income	10,229	8,106	19,520	15,184
Interest Expense
Deposits	4,336	1,443	8,171	2,059
Federal Home Loan Bank advances and repurchase agreements	1,355	618	2,228	830
Line of credit and other borrowings	150	0	150	0
Total interest expense	5,841	2,061	10,549	2,889
Net Interest Income	4,388	6,045	8,971	12,295
Provision for Credit Losses	364	101	586	13
Net Interest Income After Provision for Credit Losses	4,024	5,944	8,385	12,282
Noninterest Income
Insurance commissions	203	203	374	376
Brokerage commissions	157	201	319	439
Net realized gains (losses) on sales of available-for-sale securities	0	(183)	0	(183)
Mortgage banking income (loss), net	(48)	47	92	224
Gain on sale of loans	38	34	110	76
Bank-owned life insurance income, net	105	97	206	194
Other	289	314	600	642
Total noninterest income	915	868	2,043	2,086
Noninterest Expense
Compensation and benefits	2,832	3,083	5,848	6,211
Office occupancy	288	238	577	480
Equipment	593	596	1,139	1,162
Federal deposit insurance	162	59	300	112
Stationary, printing and office	20	34	30	55
Advertising	105	169	182	270
Professional services	137	118	229	290
Supervisory examinations	27	44	54	89
Audit and accounting services	23	43	106	94
Organizational dues and subscriptions	6	21	29	43
Insurance bond premiums	54	48	113	101
Telephone and postage	32	39	73	80
Loss (gain) on foreclosed assets, net	2	0	2	(28)
Other	426	430	873	810
Total noninterest expense	4,707	4,922	9,555	9,769
Income Before Income Tax	232	1,890	873	4,599
Provision for Income Tax	47	486	222	1,226
Net Income	$ 185	$ 1,404	$ 651	$ 3,373
Earnings Per Share:
Basic	$ 0.06	$ 0.44	$ 0.2	$ 1.07
Diluted	0.06	0.43	0.2	1.05
Dividends declared per common share	$ 0	$ 0	$ 0.2	$ 0.2
Customer Service Fees [Member]
Noninterest Income
Noninterest income	$ 108	$ 98	$ 209	$ 203
Other Service Charges and Fees [Member]
Noninterest Income
Noninterest income	$ 63	$ 57	$ 133	$ 115

IROQ Balance Sheet

2023-12-31

Condensed Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Jun. 30, 2023
Assets
Cash and due from banks	$ 7,871,000	$ 10,717,000
Interest-bearing demand deposits	298,000	271,000
Cash and cash equivalents	8,169,000	10,988,000
Interest-bearing time deposits in banks	750,000	1,250,000
Available-for-sale securities	199,930,000	201,299,000
Loans, net of allowance for credit losses of $7,935 and $7,139 at December 31, 2023 and June 30, 2023, respectively	653,549,000	587,457,000
Premises and equipment, net of accumulated depreciation of $9,493 and $9,212 at December 31, 2023 and June 30, 2023, respectively	10,854,000	11,092,000
Federal Home Loan Bank stock, at cost	5,419,000	3,127,000
Foreclosed assets held for sale	7,000	31,000
Accrued interest receivable	3,758,000	2,781,000
Bank-owned life insurance	14,967,000	14,761,000
Mortgage servicing rights	1,410,000	1,482,000
Deferred income taxes	10,309,000	11,037,000
Other	1,661,000	3,671,000
Total assets	910,783,000	848,976,000
Deposits
Demand	45,433,000	107,567,000
Savings, NOW and money market	314,547,000	344,151,000
Certificates of deposit	286,103,000	264,058,000
Brokered certificates of deposit	31,962,000	19,538,000
Total deposits	678,045,000	735,314,000
Repurchase agreements	16,040,000	10,787,000
Federal Home Loan Bank advances	98,050,000	19,500,000
Other borrowings	34,375,000	0
Advances from borrowers for taxes and insurance	1,235,000	1,233,000
Accrued post-retirement benefit obligation	2,442,000	2,431,000
Accrued interest payable	2,849,000	1,666,000
Allowance for credit losses on off-balance sheet credit exposures	56,000	216,000
Other	3,950,000	6,076,000
Total liabilities	837,042,000	777,223,000
Commitments and Contingencies
Stockholders' Equity
Common stock, $.01 par value per share, 100,000,000 shares authorized, 3,354,626 shares issued and outstanding at both December 31, 2023 and June 30, 2023	33,000	33,000
Additional paid-in capital	51,753,000	51,543,000
Unearned ESOP shares, at cost, 144,338 and 153,960 shares at December 31, 2023 and June 30, 2023, respectively	(1,443,000)	(1,540,000)
Retained earnings	43,377,000	43,365,000
Accumulated other comprehensive income (loss), net of tax	(19,979,000)	(21,648,000)
Total stockholders' equity	73,741,000	71,753,000
Total liabilities and stockholders' equity	$ 910,783,000	$ 848,976,000

About IF Bancorp Inc

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 also 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. Further, it invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.

CEO	Mr. Walter H. Hasselbring III
WEBSITE	https://iroquoisfed.com
INDUSTRY	Banks Diversified

IF Bancorp Inc Frequently Asked Questions

What is the ticker symbol for IF Bancorp Inc? What does IROQ stand for in stocks?

IROQ is the stock ticker symbol of IF Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of IF Bancorp Inc (IROQ)?

As of Wed May 01 2024, market cap of IF Bancorp Inc is 54.51 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of IROQ stock?

You can check IROQ's fair value in chart for subscribers.

What is the fair value of IROQ stock?

You can check IROQ's fair value in chart for subscribers. The fair value of IF Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of IF Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for IROQ so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is IF Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether IROQ is over valued or under valued. Whether IF Bancorp Inc is cheap or expensive depends on the assumptions which impact IF Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for IROQ.

What is IF Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 01 2024, IROQ's PE ratio (Price to Earnings) is 28.13 and Price to Sales (PS) ratio is 1.5. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. IROQ PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on IF Bancorp Inc's stock?

In the past 10 years, IF Bancorp Inc has provided 0.012 (multiply by 100 for percentage) rate of return.