Présentation de l'entreprise
IF Bancorp Inc, identified by the ticker symbol IROQ, operates as a savings and loan holding company that provides a comprehensive range of banking and financial services to both individual and corporate clients through its subsidiary, Iroquois Federal Savings and Loan Association. This entity functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized lending and deposit-taking activities rather than nationwide or global operations. The company maintains a modest operational scale, employing 102 individuals and reporting a market capitalization of $88.98M alongside annual revenue of $28.55M. These valuation and revenue figures indicate that IF Bancorp Inc is a small-cap institution, suggesting a niche market position with limited diversification compared to larger regional banking peers.
Santé financière
The financial performance of IF Bancorp Inc over the trailing twelve months is characterized by a revenue of $28.55M and a net income of $5.17M, while the EBITDA metric is not disclosed in available data. The significant gap between the reported revenue and net income, where the latter represents 18.1% of the former, reveals a cost structure heavily influenced by operating expenses, as the gross margin is recorded at 0.0%. Free cash flow figures are not available, which limits the immediate assessment of the company's financial flexibility regarding capital allocation or debt servicing without further inference. The profit margin stands at 18.1%, indicating that for every dollar of revenue generated, 18.1 cents remain as profit after all expenses, whereas the operating margin is 26.3%, highlighting the efficiency of core banking operations before interest and taxes. Regarding liquidity and leverage, the company holds $9.04M in cash against total debt of $83.61M, creating a situation where cash reserves cover only a fraction of the outstanding debt obligations. The debt-to-equity ratio is not provided, preventing a direct calculation of leverage, yet the disparity between cash and debt suggests a potentially leveraged balance sheet that relies on other funding sources or equity to manage obligations. Additionally, the current ratio is not disclosed, which precludes a specific analysis of short-term liquidity relative to short-term liabilities. In terms of return metrics, the Return on Equity is 6.3%, reflecting the net profit generated relative to shareholder equity, while the Return on Assets is 0.6%, indicating the efficiency with which total assets are deployed to generate earnings.
Évaluation de la valorisation
Valuation multiples for IF Bancorp Inc include a P/E Ratio of 16.19 based on trailing twelve-month earnings, while the Forward P/E is not available, preventing a direct comparison of current versus expected earnings trajectories. The Price to Book ratio is 0.99, suggesting that the market values the company's equity at roughly equal to its book value, which may indicate a lack of significant market premium or a perception of asset-liability risks. Alternative valuation metrics such as the Price to Sales ratio of 3.12 are available, whereas the EV/EBITDA multiple is not disclosed, limiting the ability to compare valuation on an enterprise value basis. The stock price has historically ranged between a 52-week low of $23.00 and a 52-week high of $29.00, providing a clear context for price volatility and historical trading ranges. The Beta value is 0.18, which indicates that the stock price exhibits significantly lower volatility than the broader market, moving less than one-fifth of the magnitude of the market index during typical periods of fluctuation.
Growth & Income
Growth dynamics for IF Bancorp Inc show a Revenue Growth of 8.5% year-over-year and an Earnings Growth of 8.3% year-over-year, implying that earnings are expanding at a rate almost identical to revenue, which suggests that cost growth is closely tracking top-line expansion. The company offers a Dividend Yield of 1.5% to shareholders, supported by a Payout Ratio of 24.4%, which indicates that a substantial portion of earnings is retained rather than distributed, potentially allowing for future reinvestment or stability in the face of earnings volatility. Given the low payout ratio, the dividend appears sustainable relative to the current earnings generation, though the absence of forward earnings data makes long-term sustainability assessments tentative. Overall, the company presents a growth and income profile characterized by steady single-digit expansion in both revenue and earnings, coupled with a conservative dividend approach that prioritizes capital retention over high distribution.