कंपनी का अवलोकन
IF Bancorp Inc operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association, delivering a comprehensive suite of banking and financial services tailored to both individual and corporate clients. The entity functions within the Financial Services sector, specifically categorized under Banks - Regional, which typically implies a focus on local community lending and deposit gathering rather than nationwide diversification. The company maintains a market capitalization of $88.98M, generates annual revenue of $28.55M, and employs 102 individuals across its operations. These specific valuation and operational figures indicate that IF Bancorp is a small-cap regional institution with a modest scale, suggesting it serves a limited geographic footprint and relies on niche deposit products such as savings accounts and certificates of deposit to fund its lending activities.
वित्तीय स्वास्थ्य
The company reported a trailing twelve-month revenue of $28.55M and a net income of $5.17M, while EBITDA figures are not available in the provided data. The significant gap between the reported revenue and net income reveals a cost structure where operating expenses, including loan losses and overhead, consume a substantial portion of top-line earnings before reaching the bottom line. Regarding cash flow metrics, free cash flow is not disclosed, which limits the immediate assessment of operational liquidity generation but does not necessarily preclude financial flexibility through asset liquidation or debt management. An analysis of the three key margins shows a gross margin of 0.0%, an operating margin of 26.3%, and a profit margin of 18.1%, indicating that while the company does not capture manufacturing-style gross value, its ability to manage operating costs is efficient enough to convert a significant share of revenue into net profit. When comparing total assets, the company holds $9.04M in cash against $83.61M in debt, though the debt-to-equity ratio is not provided for direct comparison; however, the substantial debt load relative to cash reserves suggests a leveraged balance sheet typical for banking entities that utilize borrowed funds to amplify lending capacity. The current ratio is not listed in the available facts, so an assessment of short-term liquidity must rely on the broader context of asset quality rather than this specific metric. Return on Equity stands at 6.3% and Return on Assets is 0.6%, metrics that reveal management effectiveness in generating shareholder value and utilizing total assets respectively, with the low ROA reflecting the high-leverage nature of the banking business model where assets are significantly larger than equity.
मूल्यांकन आकलन
The trailing twelve-month P/E ratio is 16.19, whereas the forward P/E is not available, implying that future earnings growth expectations or analyst consensus are currently undefined or not reflected in a forward multiple. The price-to-book ratio is 0.99, which indicates that the market values the company slightly below its net asset book value, suggesting no significant market premium over the underlying tangible assets. Alternative valuation metrics include a price-to-sales ratio of 3.12 and an EV/EBITDA that is not available, which suggests investors are pricing the stock based on revenue multiples rather than earnings multiples given the lack of forward earnings data. The stock has traded between a 52-week high of $29.00 and a 52-week low of $23.00, and without a specific current price listed in the facts, the range establishes the historical volatility band within which the asset has moved over the past year. The beta value is 0.18, which signifies that the stock's price volatility is significantly lower than the broader market, indicating low sensitivity to general market movements and providing a defensive characteristic relative to more volatile equities.
Growth & Income
Revenue growth year-over-year stands at 8.5% and earnings growth year-over-year is 8.3%, indicating that earnings are growing at a pace nearly identical to revenue, which implies that cost control has been consistent with top-line expansion rather than accelerating profitably faster than sales. As a dividend payer, the company offers a dividend yield of 1.5% with a payout ratio of 24.4%, a low ratio that suggests high sustainability of the dividend payments given the company's earnings generation and retained earnings capacity. Since the payout ratio is well below 100%, the company retains a majority of its profits to bolster capital reserves or fund loan growth rather than distributing all earnings to shareholders. Overall, the growth and income profile combines moderate single-digit expansion in both revenue and earnings with a conservative and sustainable dividend approach, characteristic of a mature regional bank seeking stability.