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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2005
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$87M
Walter H. Hasselbring
IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association. 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.
Headcount
110
HQ Base
WATSEKA, Illinois
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = IROQ ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$IROQ IF Bancorp, Inc. | 50 | 32 | 49 | 43 | 18.0x | 13.1x | 5.7% | 0.6% | - | 15.7% | 11.4% | -3.5% | 1.6% | 850.0x | $87M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
IF Bancorp, Inc. (IROQ) receives a "Hold" rating with a composite score of 50.0/100. It ranks #2005 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for IROQ.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 32 | 54 | -22DRAG |
| MOMENTUM | 43 | 42 | +1NEUTRAL |
| VALUATION | 49 | 62 | -13DRAG |
| INVESTMENT | 27 | 28 | -1NEUTRAL |
| STABILITY | 83 | 89 | -6DRAG |
| SHORT INT | 86 | 97 | -11DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 5.7% (sector 9.0%)
GM N/A vs sector 78%, OM 16% vs sector 18%
Capital turnover N/A
Rev growth -3%, 11yr history
Interest coverage 911.0x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate IF Bancorp, Inc. (IROQ) as a Hold with a composite score of 50.0/100 at a current price of $27.75. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
IF Bancorp, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 50.0/100 places it at rank #2005 in our full universe.
No Moat
Medium
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 850% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
IF Bancorp, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns IF Bancorp, Inc. a Hold rating, with a composite score of 50.0/100 and 3 out of 5 stars. Ranked #2005 of 7,333 stocks, IROQ presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
IROQ's quality score of 32/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 5.7% (sector avg: 9.0%), net margins of 11.4% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 49/100, IROQ appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 17.98x, an EV/EBITDA of 13.09x, a P/B ratio of 1.02x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
IF Bancorp, Inc.'s investment score of 27/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of -3.5% vs. a sector average of 10.7% and a return on assets of 0.6% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
IROQ is currently showing below-average momentum at 43/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at -3.5% year-over-year, while a beta of 0.00 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
IROQ shows good financial stability with a score of 83/100. Key stability metrics include a beta of 0.00 and a debt-to-equity ratio of 850.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
IROQ's short interest factor score of 86/100 indicates very low short selling activity relative to peers — a positive signal suggesting institutional investors see limited near-term downside. Specific risk factors include elevated leverage (D/E: 850.00x), micro-cap liquidity risk. As a micro-cap company with a market capitalization of $87M, IF Bancorp, Inc. benefits from the generally lower volatility and deeper liquidity associated with its size class.
IROQ offers a modest dividend yield of 1.6%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
IF Bancorp, Inc. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2005 of 7,333 overall (73rd percentile). Key comparisons include ROE of 5.7% trailing the 9.0% sector median and operating margins of 15.7% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While IROQ currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Short Int. (86) vs Investment (27) — closing this gap could shift the rating.
EV/EBITDA 68% ABOVE SECTOR MEDIAN
ROE 37% BELOW SECTOR MEDIAN
Op. Margin 13% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
WATSEKA, Ill., February 03, 2026--IF Bancorp, Inc. ("IF Bancorp") (NASDAQ: IROQ), the holding company for Iroquois Federal Savings and Loan Association, announced today that its shareholders approved their pending merger with ServBanc Holdco, Inc. ("ServBanc Holdco") at its special shareholders’ meeting held today.
WATSEKA, Ill., January 30, 2026--IF Bancorp, Inc. (NASDAQ: IROQ) (the "Company") the holding company for Iroquois Federal Savings and Loan Association (the "Association"), announced unaudited net income of $1.3 million, or $0.41 per basic and diluted share, for the three months ended December 31, 2025, compared to net income of $1.2 million, or $0.38 per basic and diluted share, for the three months ended December 31, 2024.
OSWEGO, Ill. & WATSEKA, Ill., January 14, 2026--ServBanc Holdco, Inc. ("ServBanc Holdco"), the holding company for Servbank, National Association ("Servbank"), and IF Bancorp, Inc. ("IF Bancorp") (NASDAQ: IROQ), the holding company for Iroquois Federal Savings and Loan Association ("Iroquois Federal"), announced today that they have received all requisite regulatory approvals to complete their pending merger and the merger of their subsidiary banks.
Weekly summary of dividend activity for Dividend Champions, Contenders, Challengers. See here the companies with upcoming ex-dividend dates and upcoming pay dates.
Weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Check out the stocks with dividend changes and upcoming pay dates.