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If Bancorp Inc. (IROQ)
NASDAQ:IROQ
IROQ Stock Chart & Stats
$26.68
-$0.14(-0.59%)
At close: 4:00 PM EST
$26.68
-$0.14(-0.59%)
Day’s Range― - ―
52-Week Range$23.00 - $29.00
Previous CloseN/A
Volume354.00
Average Volume (3M)7.75K
Market Cap
$93.54M
Enterprise Value$168.19M
Total Cash (Recent Filing)$192.44M
Total Debt (Recent Filing)$83.61M
Price to Earnings (P/E)16.5
Beta-0.09
Next Earnings
May 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.48%
Share Statistics
EPS (TTM)0.41
Shares Outstanding3,351,526
10 Day Avg. Volume4,179
30 Day Avg. Volume7,755
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)0.97
Price to Sales (P/S)1.65
P/FCF Ratio12.24
Enterprise Value/Market Cap1.80
Enterprise Value/Revenue3.52
Enterprise Value/Gross Profit5.91
Enterprise Value/Ebitda24.17
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationFree cash flow nearly equals reported net income and grew strongly in the TTM, indicating core earnings reliably convert to cash. This durable cash generation supports capital needs, deposit flexibility, and gives acquirers or management optionality for investment, dividends, or loan loss absorption.
Improving Profitability MarginsMaterial margin recovery over recent periods shows operating leverage and margin sustainability returning after prior compression. Higher and improving net margins support internal capital generation and resilience to cyclical pressure, helping long-term ROI on the bank's loan and deposit franchise.
Merger Progress With Approvals And Shareholder VoteRegulatory approvals and shareholder consent for the pending ServBanc merger create a structural shift: potential scale, expanded deposit base, and combined operations. If closed, the transaction can strengthen competitive position, broaden product reach and drive cost synergies over the medium term.
Bears Say
Severe Revenue VolatilityA very steep TTM revenue decline signals unstable top-line drivers and reliance on episodic items or mix shifts. Persistent revenue volatility undermines forecasting, makes margin recovery harder to sustain, and increases execution risk for funding loan growth or supporting expense base.
Rising LeverageMaterial increase in leverage versus prior years reduces financial flexibility and raises interest and refinancing exposure. Higher debt ratios constrain capital management, increase sensitivity to rate or funding stress, and limit the bank's ability to absorb credit shocks or pursue organic growth.
Merger Litigation And Disclosure IssuesOngoing lawsuits and supplemental disclosures create legal and execution risk that can delay or alter merger economics. Protracted litigation increases costs, distracts management, and could force deal adjustments, reducing the certainty of anticipated synergies and prolonging integration uncertainty.
IF Bancorp News
IROQ FAQ
What was If Bancorp Inc.’s price range in the past 12 months?
If Bancorp Inc. lowest stock price was $23.00 and its highest was $29.00 in the past 12 months.
What is If Bancorp Inc.’s market cap?
If Bancorp Inc.’s market cap is $93.54M.
When is If Bancorp Inc.’s upcoming earnings report date?
If Bancorp Inc.’s upcoming earnings report date is May 05, 2026 which is in 60 days.
How were If Bancorp Inc.’s earnings last quarter?
If Bancorp Inc. released its earnings results on Jan 30, 2026. The company reported $0.41 earnings per share for the quarter, beating the consensus estimate of N/A by $0.41.
Is If Bancorp Inc. overvalued?
According to Wall Street analysts If Bancorp Inc.’s price is currently Overvalued.
Does If Bancorp Inc. pay dividends?
If Bancorp Inc. pays a Semiannually dividend of $0.2 which represents an annual dividend yield of 1.48%. See more information on If Bancorp Inc. dividends here
What is If Bancorp Inc.’s EPS estimate?
If Bancorp Inc.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does If Bancorp Inc. have?
If Bancorp Inc. has 3,351,526 shares outstanding.
What happened to If Bancorp Inc.’s price movement after its last earnings report?
If Bancorp Inc. reported an EPS of $0.41 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.332%.
Which hedge fund is a major shareholder of If Bancorp Inc.?
Currently, no hedge funds are holding shares in IROQ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
IF Bancorp Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
22.55%
12-Months-Change
Fundamentals
Return on Equity
6.20%
Trailing 12-Months
Asset Growth
-3.48%
Trailing 12-Months
Company Description
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 consisting of 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. As of August 31, 2021, it operated a network of seven full-service banking offices located in Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais, and Champaign, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.
Technical Analysis
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Ownership Overview
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Insiders
2.45% Mutual Funds
31.49% Other Institutional Investors
64.01% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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