ScoreWhy is IF Bancorp, Inc. ?
1
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
2
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%
3
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 25.00%, its profits have risen by 67.9% ; the PEG ratio of the company is 0.4
4
High Institutional Holdings at 30.07%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 25.00% in the last 1 year, much higher than market (S&P 500) returns of 12.33%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to IF Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is IF Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
IF Bancorp, Inc.
12.61%
2.48
22.99%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.98%
EBIT Growth (5y)
0.87%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
69.99%
Pledged Shares
0
Institutional Holding
30.07%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
26
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What 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 (%)
(Q
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 periodsMOJO 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 MMMOJO 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 periodsMOJO 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 yearsMOJO 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 periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 18.37 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 1.99 MM
in the last five periodsMOJO 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 periodsMOJO 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 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.45
in the last five periodsMOJO 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 yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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