IROQ

  
 
 
IF Bancorp, Inc.

Dividend Growth

Min. Div. Growth Past 7 Yrs. ≥ 15%: 8.6
Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 9.8%
Years of Div. Growth ≥ 15: 11

Income Generation

Current Yield 1.9≥ 20-Yrs Treasury Yield 4.4
Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs

Sustainability

Debt-To-Equity 0.66 ≤ 0.45 
Last 12Months Cash Payout 0.28 ≤ 0.6 

Profitability

5-Yr Avg. Return-on-Equity 5.9≥ 15%
Last 12Months Return-on-Equity 2.8≥ 15%
Last 12Months Net Profit Margin 5.7≥ 10% 

Fair Value

Average 5-Yrs High Yield 2.2%
Current Price $20.6 ≤ High Yield Price $18.2
Average 5-Yrs Price-to-Earning (P/E) 13.6
Current Price $20.6 ≤ Average P/E Price $8.1
Current Price $20.6 ≤ Fair Value $13.0 

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.

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