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Upturn AI SWOT - About
IF Bancorp Inc (IROQ)
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Upturn Advisory Summary
08/29/2025: IROQ (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 39.11% | Avg. Invested days 71 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 80.78M USD | Price to earnings Ratio 24.04 | 1Y Target Price - |
Price to earnings Ratio 24.04 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.34 | 52 Weeks Range 16.04 - 25.55 | Updated Date 06/29/2025 |
52 Weeks Range 16.04 - 25.55 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.60% | Basic EPS (TTM) 1.04 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.12% | Operating Margin (TTM) 22.65% |
Management Effectiveness
Return on Assets (TTM) 0.37% | Return on Equity (TTM) 4.35% |
Valuation
Trailing PE 24.04 | Forward PE - | Enterprise Value 176568128 | Price to Sales(TTM) 3.22 |
Enterprise Value 176568128 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 6.78 | Enterprise Value to EBITDA - | Shares Outstanding 3231240 | Shares Floating 1600468 |
Shares Outstanding 3231240 | Shares Floating 1600468 | ||
Percent Insiders 36.02 | Percent Institutions 29.69 |
Upturn AI SWOT
IF Bancorp Inc
Company Overview
History and Background
IF Bancorp Inc. operates as the holding company for Illinois Facilities Fund, providing financing and technical assistance to nonprofits in Illinois. Founded in 1978, it has evolved to become a key financial resource for community development organizations.
Core Business Areas
- Lending: Offers loans to nonprofits for capital projects, facilities improvements, and other organizational needs.
- Consulting: Provides technical assistance and consulting services to help nonprofits with financial management, strategic planning, and real estate development.
Leadership and Structure
The company is led by its Board of Directors and executive management team, overseeing lending operations and consulting services. Details available on their website and regulatory filings.
Top Products and Market Share
Key Offerings
- Nonprofit Loans: Provides secured loans to nonprofits. IFF has a leading position in providing financing to non-profits and charter schools in the Midwest. Market share data is not published but estimates would place it above 25% in the Illinois market. Competitors include traditional banks and other CDFIs.
- Real Estate Consulting: Assists nonprofits with real estate development and management. Data not publicly available. Competitors include private real estate consulting firms and government agencies.
Market Dynamics
Industry Overview
The industry involves financing and supporting nonprofit organizations. This segment operates within the broader financial services sector, specifically focusing on community development financial institutions (CDFIs).
Positioning
IF Bancorp Inc. (via Illinois Facilities Fund) is a key CDFI in the Midwest region, known for its expertise in nonprofit financing and real estate development. It has a strong reputation and established network.
Total Addressable Market (TAM)
The TAM for nonprofit financing in the Midwest is estimated to be in the billions, encompassing capital projects, facility improvements, and operational needs. IF Bancorp Inc. is well-positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Expertise in nonprofit financing
- Established relationships with community organizations
- Access to capital through various funding sources
- Experienced management team
Weaknesses
- Limited geographic scope
- Dependence on philanthropic funding
- Exposure to credit risk in nonprofit lending
- Operational risk related to loan servicing and compliance
- Concentration risk in its lending portfolio
Opportunities
- Expansion into new geographic markets
- Increased demand for nonprofit financing
- Development of new financial products and services
- Partnerships with other financial institutions
- Growing interest in social impact investing
Threats
- Economic downturn impacting nonprofit funding
- Increased competition from other lenders
- Changes in government regulations affecting CDFIs
- Interest rate risk
- Increased overhead and operating costs
Competitors and Market Share
Key Competitors
- FFBC
- BANC
- CASH
- TCBI
- OFG
Competitive Landscape
IF Bancorp Inc, operating primarily through IFF, has a strong competitive advantage in providing comprehensive financing solutions. However, it faces strong competition from traditional banks and CDFIs such as First Financial Bancorp (FFBC).
Growth Trajectory and Initiatives
Historical Growth: Historical growth is tied to the growth of the nonprofit sector in the Midwest and the ability to attract funding for lending activities.
Future Projections: Future projections are contingent on the growth of the nonprofit sector, the availability of funding, and the ability to expand its services.
Recent Initiatives: Recent strategic initiatives may include expanding into new geographic markets, developing new loan products, and strengthening partnerships with other organizations. Check their website for specific updates.
Summary
IF Bancorp Inc, operating through IFF, is a strong regional player in nonprofit financing. Its expertise and established relationships position it well. However, it needs to expand its geographic reach and diversify its funding sources to ensure sustainable growth and protect against economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Regulatory Filings (Form 990)
- Industry Reports
- CDFI Fund Data
Disclaimers:
The data provided is based on publicly available information and estimates. Market share data may not be exact and is subject to change. Financial metrics may not be fully disclosed due to the company's status as a holding company for a nonprofit. The AI-based rating is for informational purposes only and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About IF Bancorp Inc
Exchange NASDAQ | Headquaters Watseka, IL, United States | ||
IPO Launch date 2011-07-08 | CEO & Chairman Mr. Walter H. Hasselbring III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 109 | Website https://iroquoisfed.com |
Full time employees 109 | Website https://iroquoisfed.com | ||
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 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 comprising 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. IF Bancorp, Inc. invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. The company was founded in 1883 and is headquartered in Watseka, Illinois.
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