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

16.68USD0.00 (0.00%)Delayed

Market Summary

USD16.680.00

Delayed

0.00%

IROQ Stock Price

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IROQ RSI Chart

IROQ Valuation

Market Cap

55.9M

Price/Earnings (Trailing)

28.59

Price/Sales (Trailing)

1.43

EV/EBITDA

1.88

Price/Free Cashflow

28.67

IROQ Price/Sales (Trailing)

IROQ Profitability

EBT Margin

6.65%

Return on Equity

2.7%

Return on Assets

0.22%

Free Cashflow Yield

3.49%

IROQ Fundamentals

IROQ Revenue

Revenue (TTM)

39.0M

Rev. Growth (Yr)

31.78%

Rev. Growth (Qtr)

5.61%

IROQ Earnings

Earnings (TTM)

2.0M

Earnings Growth (Yr)

2.61%

Earnings Growth (Qtr)

282.7%

Breaking Down IROQ Revenue

Last 7 days

-1.5%

Last 30 days

-0.4%

Last 90 days

-4.5%

Trailing 12 Months

10.2%

How does IROQ drawdown profile look like?

IROQ Financial Health

IROQ Investor Care

Dividend Yield

2.4%

Dividend/Share (TTM)

0.4

Buy Backs (1Y)

0.05%

Diluted EPS (TTM)

0.63

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	39.0M	0	0	0
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
May 03, 2024	chamberlain thomas j	bought	9,450	16.4934	573	sevp and clo
May 03, 2024	chamberlain thomas j	bought	3,389	16.4541	206	sevp and clo
May 03, 2024	chamberlain thomas j	bought	3,349	16.5	203	sevp and clo
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

Which funds bought or sold IROQ recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	MORGAN STANLEY	unchanged	-	3,223	89,320	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	unchanged	-	1,200	33,260	-%
May 15, 2024	Tower Research Capital LLC (TRC)	new	-	366	366	-%
May 15, 2024	GENDELL JEFFREY L	added	14.74	830,271	5,191,070	0.20%
May 15, 2024	MALTESE CAPITAL MANAGEMENT LLC	reduced	-9.02	-187,603	3,151,750	0.61%
May 15, 2024	Royal Bank of Canada	added	112	1,000	1,000	-%
May 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	reduced	-0.94	6,377	442,243	-%
May 13, 2024	FMR LLC	new	-	17.00	17.00	-%
May 13, 2024	UBS Group AG	reduced	-88.03	-6,922	981	-%
May 10, 2024	WELLS FARGO & COMPANY/MN	unchanged	-	11.00	316	-%

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
May 13, 2024	10-Q	Quarterly Report
May 06, 2024	4	Insider Trading
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

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	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	5.6%	10,803	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
EBITDA Margin	-9.7%	0.54*	0.60*	0.73*	0.90*	1.03*	1.15*	1.23*	1.24*	1.24*	1.25*	1.22*	1.16*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.9%	4,259	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
Income Taxes	417.0%	243	47.00	175	172	202	486	740	349	402	629	663	351	600	571	512	536	316	372	415	383	286
Earnings Before Taxes	309.9%	951	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
EBT Margin	-4.5%	0.07*	0.07*	0.12*	0.20*	0.23*	0.27*	0.31*	0.32*	0.32*	0.34*	0.33*	0.30*	-	-	-	-	-	-	-	-	-
Net Income	282.7%	708	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
Net Income Margin	-5.8%	0.05*	0.05*	0.09*	0.15*	0.17*	0.20*	0.23*	0.23*	0.23*	0.25*	0.24*	0.22*	-	-	-	-	-	-	-	-	-
Free Cashflow	-164.4%	-67.00	104	908	1,006	-927	750	-313	2,861	1,929	3,461	31.00	2,141	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-0.6%	905	911	871	849	843	824	807	858	786	773	767	797	745	713	726	736	684	678	678	724	663
Cash Equivalents	96.6%	16.00	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
Net PPE	-1.6%	11.00	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
Liabilities	-0.5%	833	837	804	777	769	753	739	786	708	686	681	712	662	628	642	653	605	600	601	641	582
Shareholder's Equity	-1.8%	72.00	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
Retained Earnings	0.1%	43.00	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
Additional Paid-In Capital	0.2%	52.00	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
Accumulated Depreciation	-4.1%	9.00	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
Shares Outstanding	0.0%	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	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-83.9%	19.00	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
Share Based Compensation	-32.9%	49.00	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
Cashflow From Investing	134.1%	13,017	-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
Cashflow From Financing	-115.8%	-5,145	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
Dividend Payments	-	-	-	-	636	-	-	-	535	-	-	-	455	-	-	-	452	-	-	-	415	-
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	443	233	6,783	60.00	732

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IROQ Income Statement

2024-03-31

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Interest and Dividend Income
Interest and fees on loans	$ 9,273	$ 6,690	$ 25,708	$ 18,889
Securities:
Taxable	1,364	1,345	4,124	4,048
Tax-exempt	23	26	74	80
Federal Home Loan Bank dividends	112	64	258	134
Deposits with other financial institutions	31	73	159	231
Total interest and dividend income	10,803	8,198	30,323	23,382
Interest Expense
Deposits	4,756	2,501	12,927	4,560
Federal Home Loan Bank advances and repurchase agreements	1,392	661	3,620	1,491
Line of credit and other borrowings	396	0	546	0
Total interest expense	6,544	3,162	17,093	6,051
Net Interest Income	4,259	5,036	13,230	17,331
Provision (Credit) for Credit Losses	(390)	240	196	253
Net Interest Income After Provision (Credit) for Credit Losses	4,649	4,796	13,034	17,078
Noninterest Income
Insurance commissions	182	130	556	506
Brokerage commissions	166	168	485	607
Net realized gains (losses) on sales of available-for-sale securities	0	12	0	(171)
Mortgage banking income, net	126	43	218	267
Gain on sale of loans	76	48	186	124
Bank-owned life insurance income, net	112	96	318	290
Other	316	296	916	938
Total noninterest income	1,140	942	3,183	3,028
Noninterest Expense
Compensation and benefits	3,081	3,203	8,929	9,414
Office occupancy	277	248	854	728
Equipment	549	563	1,688	1,725
Federal deposit insurance	135	57	435	169
Stationary, printing and office	18	23	48	78
Advertising	104	109	286	379
Professional services	75	78	304	368
Supervisory examinations	19	43	73	132
Audit and accounting services	21	43	127	137
Organizational dues and subscriptions	22	8	51	51
Insurance bond premiums	64	50	177	151
Telephone and postage	49	44	122	124
Loss (gain) on foreclosed assets, net	0	0	2	(28)
Other	424	377	1,297	1,187
Total noninterest expense	4,838	4,846	14,393	14,615
Income Before Income Tax	951	892	1,824	5,491
Provision for Income Tax	243	202	465	1,428
Net Income	$ 708	$ 690	$ 1,359	$ 4,063
Earnings Per Share:
Basic	$ 0.22	$ 0.22	$ 0.42	$ 1.29
Diluted	0.22	0.21	0.42	1.25
Dividends declared per common share	$ 0.2	$ 0.2	$ 0.4	$ 0.4
Customer Service Fees [Member]
Noninterest Income
Noninterest income	$ 100	$ 91	$ 309	$ 294
Other Service Charges and Fees [Member]
Noninterest Income
Noninterest income	$ 62	$ 58	$ 195	$ 173

IROQ Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets - USD ($)	Mar. 31, 2024	Jun. 30, 2023
Assets
Cash and due from banks	$ 15,885,000	$ 10,717,000
Interest-bearing demand deposits	175,000	271,000
Cash and cash equivalents	16,060,000	10,988,000
Interest-bearing time deposits in banks	750,000	1,250,000
Available-for-sale securities	195,257,000	201,299,000
Loans, net of allowance for credit losses of $7,725 and $7,139 at March 31, 2024 and June 30, 2023, respectively	643,326,000	587,457,000
Premises and equipment, net of accumulated depreciation of $9,105 and $9,212 at March 31, 2024 and June 30, 2023, respectively	10,683,000	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	3,749,000	2,781,000
Bank-owned life insurance	15,079,000	14,761,000
Mortgage servicing rights	1,454,000	1,482,000
Deferred income taxes	10,846,000	11,037,000
Other	2,359,000	3,671,000
Total assets	904,989,000	848,976,000
Deposits
Demand	43,205,000	107,567,000
Savings, NOW and money market	315,980,000	344,151,000
Certificates of deposit	293,603,000	264,058,000
Brokered certificates of deposit	29,000,000	19,538,000
Total deposits	681,788,000	735,314,000
Repurchase agreements	18,182,000	10,787,000
Federal Home Loan Bank advances	95,999,000	19,500,000
Other borrowings	25,300,000	0
Advances from borrowers for taxes and insurance	1,331,000	1,233,000
Accrued post-retirement benefit obligation	2,448,000	2,431,000
Accrued interest payable	2,762,000	1,666,000
Allowance for credit losses on off-balance sheet credit exposures	44,000	216,000
Other	4,751,000	6,076,000
Total liabilities	832,605,000	777,223,000
Commitments and Contingencies
Stockholders' Equity
Common stock, $.01 par value per share, 100,000,000 shares authorized, 3,353,026 and 3,354,626 shares issued and outstanding at March 31, 2024 and June 30, 2023, respectively	33,000	33,000
Additional paid-in capital	51,833,000	51,543,000
Unearned ESOP shares, at cost, 139,527 and 153,960 shares at March 31, 2024 and June 30, 2023, respectively	(1,395,000)	(1,540,000)
Retained earnings	43,414,000	43,365,000
Accumulated other comprehensive loss, net of tax	(21,501,000)	(21,648,000)
Total stockholders' equity	72,384,000	71,753,000
Total liabilities and stockholders' equity	$ 904,989,000	$ 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 Thu May 16 2024, market cap of IF Bancorp Inc is 55.93 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 Thu May 16 2024, IROQ's PE ratio (Price to Earnings) is 28.59 and Price to Sales (PS) ratio is 1.43. 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 0.01 (multiply by 100 for percentage) rate of return.