IF Bancorp, Inc. (IROQ) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Magyar Bancorp, Inc.

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CF Bankshares, Inc.

TC Bancshares, Inc.

Finward Bancorp

HMN Financial, Inc.

IF Bancorp, Inc.

Territorial Bancorp, Inc.

Why is IF Bancorp, Inc. ?

Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 3.62%

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Positive results in Jun 25

NII(Q) Highest at USD 5.75 MM
OPERATING CASH FLOW(Y) Highest at USD 6.39 MM
GROSS NPA (%)(Q) Lowest at 0.01%

With ROA of 0.27%, it has a fair valuation with a 1.09 Price to Book Value

Over the past year, while the stock has generated a return of 17.17%, its profits have risen by 67.9% ; the PEG ratio of the company is 0.4

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is IF Bancorp, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

IF Bancorp, Inc.

-100.0%

3.05

20.03%

S&P 500

13.99%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.98%

EBIT Growth (5y)

0.87%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

29.28%

Pledged Shares

Institutional Holding

30.36%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.09

EV to EBIT

45.91

EV to EBITDA

39.50

EV to Capital Employed

1.04

EV to Sales

4.07

PEG Ratio

0.38

Dividend Yield

156.15%

ROCE (Latest)

2.27%

ROE (Latest)

4.17%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

23What is working for the Company

NII(Q)

Highest at USD 5.75 MM

OPERATING CASH FLOW(Y)

Highest at USD 6.39 MM

GROSS NPA (%)

OPERATING PROFIT(Q)

Highest at USD 1.99 MM

OPERATING PROFIT MARGIN(Q)

Highest at 18.37 %

PRE-TAX PROFIT(Q)

Highest at USD 1.99 MM

NET PROFIT(Q)

Highest at USD 1.44 MM

EPS(Q)

Highest at USD 0.45

-1What is not working for the Company

DIVIDEND PAYOUT RATIO(Y)

Lowest at 44.88%

Here's what is working for IF Bancorp, Inc.

NII

Highest at USD 5.75 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Pre-Tax Profit

At USD 1.99 MM has Grown at 78.95%

over average net sales of the previous four periods of USD 1.11 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Non Performing Loans (%)

Lowest at 0.01%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Cash Flow

Highest at USD 6.39 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 1.99 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 18.37 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 1.99 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 1.44 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 1.44 MM has Grown at 74.98%

over average net sales of the previous four periods of USD 0.82 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.45

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for IF Bancorp, Inc.

Dividend Payout Ratio

Lowest at 44.88%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)