tiprankstipranks
Trending News
More News >
If Bancorp Inc. (IROQ)
NASDAQ:IROQ
US Market

IF Bancorp (IROQ) AI Stock Analysis

Compare
27 Followers

Top Page

IR

IF Bancorp

(NASDAQ:IROQ)

Rating:70Outperform
Price Target:
$28.00
▲(12.00%Upside)
The overall stock score for IROQ is primarily influenced by strong cash flow performance and bullish technical indicators. However, challenges in profitability margins and rising leverage are key risks. The moderate valuation provides limited upside potential, and the lack of earnings call and corporate events data limits additional insights.

IF Bancorp (IROQ) vs. SPDR S&P 500 ETF (SPY)

IF Bancorp Business Overview & Revenue Model

Company DescriptionIF Bancorp, Inc. (NASDAQ: IROQ) is a holding company for Iroquois Federal Savings and Loan Association, a federally-chartered savings association headquartered in Watseka, Illinois. The company operates in the financial services sector, providing a range of banking products and services. Its core offerings include savings accounts, checking accounts, certificates of deposit, residential and commercial mortgages, consumer loans, and business loans. Additionally, Iroquois Federal offers investment advisory and insurance services, aiming to meet the diverse financial needs of its customers.
How the Company Makes MoneyIF Bancorp primarily generates revenue through the net interest margin, which is the difference between the interest income it earns on loans and investment securities and the interest it pays on customer deposits and borrowed funds. The company also earns non-interest income from fees and service charges related to deposit accounts, loan origination fees, and commissions from investment and insurance services. A portion of its revenue is also derived from gains on the sale of loans and securities. Key partnerships with financial service providers and its strategic focus on expanding its loan portfolio and deposit base are significant factors contributing to its earnings.

IF Bancorp Financial Statement Overview

Summary
IF Bancorp demonstrates strong gross profit margins and a debt-free balance sheet, reflecting healthy operations and financial stability. However, declining revenue and net profit margins, along with moderate cash flow efficiency, highlight areas for improvement. The banking industry context suggests that maintaining revenue growth and enhancing profitability will be crucial for future performance.
Income Statement
65
Positive
The gross profit margin for TTM (Trailing-Twelve-Months) is strong at 85.0%, indicating efficient cost management. However, the net profit margin has decreased to 7.3%, reflecting potential challenges in converting revenue to profit. The revenue growth rate is negative at -20.11% from the previous annual report, suggesting revenue contraction. EBIT and EBITDA margins are at 59.9% and 2.7% respectively, with a significant drop in EBITDA margin due to lower depreciation benefits.
Balance Sheet
70
Positive
With a debt-to-equity ratio at 0.0 in TTM, the company exhibits strong financial stability with no leverage risk. The equity ratio remains healthy at 8.6%, though slightly lower compared to historical trends, indicating reasonable equity financing. ROE has declined to 3.9% in TTM, suggesting reduced profitability on equity compared to previous years.
Cash Flow
60
Neutral
Free cash flow has improved with a growth rate of 38.3% in TTM, showing positive cash generation. The operating cash flow to net income ratio is slightly below 1, indicating limited cash conversion efficiency. The free cash flow to net income ratio suggests sufficient cash generation relative to net income, but efficiency can be improved.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue48.27M45.37M36.17M30.29M30.59M31.77M
Gross Profit25.10M22.08M26.32M27.27M25.56M22.94M
EBITDA5.08M3.03M6.92M8.50M8.06M6.55M
Net Income3.29M1.79M4.66M5.78M5.35M4.25M
Balance Sheet
Total Assets879.14M887.75M848.98M857.56M797.34M735.52M
Cash, Cash Equivalents and Short-Term Investments176.88M200.30M213.54M298.22M252.63M198.86M
Total Debt104.91M76.02M30.29M24.24M34.24M41.24M
Total Liabilities800.20M813.83M777.22M785.90M712.04M652.95M
Stockholders Equity78.94M73.92M71.75M71.66M85.30M82.56M
Cash Flow
Free Cash Flow4.77M2.04M516.00K8.28M6.59M6.74M
Operating Cash Flow4.99M2.28M2.77M8.67M6.87M6.90M
Investing Cash Flow21.65M-39.75M-57.12M-68.80M-36.04M-34.30M
Financing Cash Flow-33.83M36.05M-10.47M73.21M58.44M1.27M

IF Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price25.00
Price Trends
50DMA
24.20
Positive
100DMA
24.06
Positive
200DMA
22.77
Positive
Market Momentum
MACD
0.07
Positive
RSI
55.97
Neutral
STOCH
51.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IROQ, the sentiment is Positive. The current price of 25 is above the 20-day moving average (MA) of 24.38, above the 50-day MA of 24.20, and above the 200-day MA of 22.77, indicating a bullish trend. The MACD of 0.07 indicates Positive momentum. The RSI at 55.97 is Neutral, neither overbought nor oversold. The STOCH value of 51.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IROQ.

IF Bancorp Risk Analysis

IF Bancorp disclosed 23 risk factors in its most recent earnings report. IF Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

IF Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (60)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$84.01M11.7511.29%5.10%5.81%-22.37%
73
Outperform
$89.62M18.185.61%4.56%1.62%21.82%
71
Outperform
$74.54M10.108.10%2.15%5.04%-6.92%
70
Outperform
$83.79M24.474.35%1.60%11.65%67.39%
70
Neutral
$88.32M13.478.32%4.27%22.78%722.30%
60
Neutral
C$14.55B5.4520.17%6.08%26.88%-38.18%
56
Neutral
$104.85M-0.73%-9.96%-23.54%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IROQ
IF Bancorp
25.00
8.60
52.44%
AUBN
Auburn National Bancorporation
25.28
8.35
49.32%
LSBK
Lake Shore Bancorp
15.80
4.45
39.21%
UBCP
United Bancorp
14.50
2.64
22.26%
FUSB
First US Bancshares
12.99
3.69
39.68%
BSBK
Bogota Financial
7.79
1.06
15.75%

IF Bancorp Corporate Events

Executive/Board Changes
IF Bancorp Renews CEO and Executive Agreements
Neutral
May 29, 2025

On May 28, 2025, IF Bancorp, Inc. and its subsidiary, Iroquois Federal Savings and Loan Association, renewed employment agreements with CEO Walter H. Hasselbring, III, effective July 7, 2025, until July 7, 2028, without material changes. Additionally, executive change in control agreements for Pamela J. Verkler and Thomas J. Chamberlain were renewed for an additional year, effective July 7, 2025, until July 7, 2027, also without material changes.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 28, 2025