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Upturn AI SWOT - About
IF Bancorp Inc (IROQ)
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Upturn Advisory Summary
07/11/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 35.2% | Avg. Invested days 66 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/11/2025 |
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. is the holding company for Illinois Facilities Fund (IFF), a mission-driven lender, real estate consultant, and developer serving nonprofits in the Midwest. Founded in 1988, IFF focuses on providing capital and real estate solutions to strengthen nonprofit organizations.
Core Business Areas
- Lending: IFF provides loans to nonprofit organizations for facility improvements, expansions, and acquisitions.
- Real Estate Consulting: IFF offers real estate consulting services to nonprofits, assisting with site selection, project management, and feasibility studies.
- Development: IFF undertakes real estate development projects, creating or renovating facilities for nonprofits.
Leadership and Structure
IFF is led by a CEO and executive team. Its organizational structure includes lending, real estate, and support departments. Board of Directors oversees the work.
Top Products and Market Share
Key Offerings
- Loans to Nonprofits: IFF provides loans to nonprofits for various purposes, helping them acquire, renovate, or expand their facilities. This is a niche market but IFF has a significant presence in the Midwest. Competitors include traditional banks and other CDFIs (Community Development Financial Institutions). Data on the dollar amount of loans would need to come from their annual reports as there is no market share data that exists.
- Real Estate Consulting Services: IFF offers consulting services to nonprofits, guiding them through real estate projects. Market share is fragmented. Competitors include for-profit real estate consulting firms and other nonprofit support organizations. Revenue figures for this service are bundled in their revenue, there is no specific break down of the share.
Market Dynamics
Industry Overview
The nonprofit lending and real estate development industry is characterized by a focus on social impact. Demand is driven by the growing need for nonprofit services and facilities. It's also driven by government funding and policies. Competition can come from traditional banks and local organizations.
Positioning
IFF is a leading provider of capital and real estate solutions for nonprofits in the Midwest. Its competitive advantages include its deep understanding of the nonprofit sector and its commitment to mission-driven lending. There are competitors in the Midwest, however, IFF is the most successful.
Total Addressable Market (TAM)
The TAM for nonprofit lending and real estate development in the Midwest is estimated in the billions of dollars. IFF is well-positioned to capture a significant share of this market through its specialized expertise and regional focus. It is dependent on many factors such as interest rates and government funding so an estimate is hard to provide.
Upturn SWOT Analysis
Strengths
- Strong reputation and brand recognition
- Deep understanding of the nonprofit sector
- Experienced management team
- Commitment to mission-driven lending
- Extensive network of partners and funders
Weaknesses
- Geographic concentration in the Midwest
- Reliance on philanthropic funding
- Potential for credit losses
- Limited scale compared to larger financial institutions
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased collaboration with other organizations
- Growing demand for nonprofit facilities and services
- Leveraging technology to improve efficiency
Threats
- Economic downturn
- Increased competition
- Changes in government funding policies
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- No Publicly Traded Companies exist
Competitive Landscape
IFF's competitive advantages include its deep understanding of the nonprofit sector, its commitment to mission-driven lending, and its strong reputation. Disadvantages include its geographic concentration and limited scale compared to larger financial institutions.
Growth Trajectory and Initiatives
Historical Growth: IFF has experienced steady growth over the past years, driven by increased demand for its services and strategic expansion initiatives.
Future Projections: Projections for IFF's future growth are positive, based on continued demand for nonprofit facilities and services. Expansion into new markets and the development of new products are expected to drive future growth.
Recent Initiatives: Recent initiatives include expanding into new markets (e.g., new states), developing new lending products, and increasing collaboration with other organizations.
Summary
IF Bancorp, Inc., operating as Illinois Facilities Fund (IFF), is a leading nonprofit lender and real estate consultant in the Midwest. Its strengths lie in its specialized expertise and commitment to mission-driven work. However, its geographic concentration and reliance on philanthropic funding pose challenges. Future growth depends on strategic expansion and adapting to economic and policy changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- IFF website
- Industry reports
- Nonprofit sector research
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Financial data is limited as this is not a publicly traded company.
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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