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
With ROA of 0.45%, it has a expensive valuation with a 1.08 Price to Book Value
- Over the past year, while the stock has generated a return of 8.99%, its profits have risen by 72.9% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow 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.
8.99%
3.70
15.89%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.91%
EBIT Growth (5y)
0.53%
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
29.28%
Pledged Shares
0
Institutional Holding
30.48%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.08
EV to EBIT
25.23
EV to EBITDA
23.04
EV to Capital Employed
1.04
EV to Sales
3.80
PEG Ratio
0.25
Dividend Yield
9567.83%
ROCE (Latest)
4.13%
ROE (Latest)
5.92%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 5.57 MM
ROCE(HY)
Highest at 0.6%
NET PROFIT(9M)
Higher at USD 4.16 MM
-5What is not working for the Company
ROCE(HY)
Lowest at 0.6%
GROSS NPA (%)
(Q
NET SALES(Q)
Lowest at USD 10.54 MM
Here's what is working for IF Bancorp, Inc.
Net Profit
At USD 4.16 MM has Grown at 82.26%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 5.57 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Higher at USD 4.16 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for IF Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.33%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Sales
Lowest at USD 10.54 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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