IF Bancorp (IROQ) AI Stock Analysis

• Market Cap: $89.40M
• Dividend Yield: 1.48%
• Average Volume (3M): 7.75K
• Price to Earnings (P/E): 17.0
• Beta (1Y): -0.09
• Revenue Growth: 1.93%
• EPS Growth: 157.35%
• Country: US
• Employees: 109
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.43
• Shares Outstanding: 3,351,526
• 10 Day Avg. Volume: 4,179
• 30 Day Avg. Volume: 7,755
• PEG Ratio: 0.13
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 1.65
• P/FCF Ratio: 12.24
• Enterprise Value/Market Cap: 1.83
• Enterprise Value/Revenue: 3.38
• Enterprise Value/Gross Profit: 6.18
• Enterprise Value/Ebitda: 27.65
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $28.00 ▲(4.95% Upside)

The overall score reflects strong revenue growth and efficient cost management, but significant cash flow challenges and moderate valuation. Technical indicators show a positive trend, supporting the stock's current momentum.

Positive Factors

Revenue Growth

Strong revenue growth indicates effective market penetration and demand for services, supporting long-term business expansion and stability.

Efficient Cost Management

High gross profit margins reflect efficient cost management, enhancing profitability and providing a buffer against economic fluctuations.

Stable Leverage Position

A stable leverage position reduces financial risk and enhances the company's ability to invest in growth opportunities.

Negative Factors

Cash Flow Challenges

Negative cash flows indicate potential liquidity issues, limiting the company's ability to reinvest in growth or reduce debt sustainably.

Low Net Profit Margin

A low net profit margin suggests challenges in converting revenue into profit, which could impact long-term financial health and shareholder returns.

Pending Acquisition

The pending acquisition introduces uncertainty and potential integration challenges, which could disrupt operations and strategic focus.

IF Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

IF Bancorp generates revenue primarily through interest income from loans and fees associated with various banking services. The key revenue streams include interest earned on mortgage loans, commercial loans, and consumer loans, which typically represent the largest portion of the company's income. Additionally, IF Bancorp earns non-interest income from service charges on deposit accounts, transaction fees, and other banking services. The company's profitability is influenced by its net interest margin, which is the difference between the interest earned on loans and the interest paid on deposits. Effective cost management and a focus on maintaining a strong loan portfolio also contribute to its overall earnings. Any strategic partnerships, such as collaborations with local businesses or community organizations, can enhance customer acquisition and retention, further supporting revenue growth.

IF Bancorp Financial Statement Overview

Summary

IF Bancorp shows strong revenue growth and efficient cost management, but faces challenges in converting revenue into net income due to a low net profit margin. The balance sheet is stable, but significant cash flow issues present risks, with negative operating and free cash flows.

Income Statement

IF Bancorp has shown a strong revenue growth rate of 19.7% in the latest year, indicating positive momentum. The gross profit margin is exceptionally high at 101.4%, suggesting efficient cost management. However, the net profit margin is relatively low at 8.9%, indicating potential challenges in translating revenue into net income. EBIT and EBITDA margins are moderate, reflecting stable operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.89, indicating a stable leverage position compared to the previous year. Return on equity is modest at 5.3%, suggesting moderate profitability relative to shareholder equity. The equity ratio is not explicitly calculated, but the balance sheet shows a stable equity base.

Cash Flow

Cash flow metrics show significant challenges, with negative operating and free cash flows in the latest year. The free cash flow to net income ratio is 1.0, indicating that free cash flow is entirely consumed by net income, leaving little room for reinvestment or debt reduction. The operating cash flow to net income ratio is negative, highlighting cash flow management issues.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	48.37M	48.37M	45.37M	36.17M	30.29M	30.59M
Gross Profit	26.47M	26.47M	22.08M	26.32M	27.27M	25.56M
EBITDA	5.92M	6.54M	3.03M	6.92M	8.50M	8.06M
Net Income	4.30M	4.30M	1.79M	4.66M	5.78M	5.35M
Balance Sheet
Total Assets	887.66M	887.66M	887.75M	848.98M	857.56M	797.34M
Cash, Cash Equivalents and Short-Term Investments	4.97M	4.97M	200.30M	213.54M	298.22M	254.88M
Total Debt	72.92M	72.92M	76.02M	30.29M	24.24M	34.24M
Total Liabilities	805.82M	805.82M	813.83M	777.22M	785.90M	712.04M
Stockholders Equity	81.84M	81.84M	73.92M	71.75M	71.66M	85.30M
Cash Flow
Free Cash Flow	6.52M	6.52M	2.04M	516.00K	8.28M	6.59M
Operating Cash Flow	6.76M	6.76M	2.28M	2.77M	8.67M	6.87M
Investing Cash Flow	14.06M	14.06M	-39.75M	-57.12M	-68.80M	-36.04M
Financing Cash Flow	-10.30M	-10.30M	36.05M	-10.47M	73.21M	58.44M

IF Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 26.68
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IROQ, the sentiment is Neutral. The current price of 26.68 is below the 20-day moving average (MA) of 26.73, above the 50-day MA of 26.27, and above the 200-day MA of 25.01, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 52.59 is Neutral, neither overbought nor oversold. The STOCH value of 45.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IROQ.

IF Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	77 Outperform	$90.52M	12.60	8.22%	4.16%	24.17%	739.42%
LSBK	68 Neutral	$114.84M	16.70	5.94%	2.12%	2.27%	66.15%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	66 Neutral	$89.40M	16.98	6.20%	1.48%	1.93%	157.35%
PBHC	54 Neutral	$87.74M	82.09	2.26%	2.86%	0.84%	―
SSBI	45 Neutral	$80.12M	-56.76	-1.41%	―	-0.81%	-129.22%

IF Bancorp Corporate Events

IF Bancorp Announces Merger with ServBanc Holdco

On October 29, 2025, ServBanc Holdco, Inc. and IF Bancorp, Inc. entered into a Merger Agreement, under which IF Bancorp will merge into a subsidiary of ServBanc, with subsequent mergers involving their respective banking subsidiaries. The transaction, valued at approximately $89.8 million, is expected to close in the first quarter of 2026, subject to regulatory and shareholder approvals. The merger aims to strategically expand Servbank’s franchise into central Illinois, offering compelling opportunities for stakeholders, including customers, employees, and shareholders. As a result of the merger announcement, IF Bancorp has indefinitely postponed its 2025 annual shareholder meeting.

The most recent analyst rating on (IROQ) stock is a Hold with a $27.00 price target. To see the full list of analyst forecasts on IF Bancorp stock, see the IROQ Stock Forecast page.