US · IROQ
IF Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Watseka, IL 60970-0190
- Website
- iroquoisfed.com
Price · as of 2025-06-30
—
Market cap 93M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $61.56 | — |
| Intrinsic Value(DCF) | $28.70 | — |
| Graham-Dodd Method(GD) | $25.66 | — |
| Graham Formula(GF) | $18.98 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.28 | $46.24 | $8.39 | $11.92 | $2.23 |
| 2012 | $11.10 | $48.77 | $30.79 | $21.11 | $4.01 |
| 2013 | $13.47 | $47.81 | $31.24 | $23.21 | $8.13 |
| 2014 | $14.40 | $45.33 | $32.64 | $22.54 | $6.03 |
| 2015 | $14.46 | $91.99 | $33.40 | $23.12 | $7.74 |
| 2016 | $16.05 | $40.26 | $24.01 | $25.34 | $17.46 |
| 2017 | $16.95 | $42.66 | $24.78 | $25.72 | $15.37 |
| 2018 | $21.81 | $90.50 | $23.87 | $21.70 | $5.22 |
| 2019 | $18.91 | $59.68 | $48.09 | $25.09 | $22.81 |
| 2020 | $14.42 | $26.33 | $53.93 | $28.91 | $14.79 |
| 2021 | $20.20 | $39.91 | $54.84 | $32.39 | $7.91 |
| 2022 | $17.71 | $18.39 | $60.02 | $27.55 | $13.52 |
| 2023 | $13.77 | $203.33 | $69.34 | $24.42 | $39.95 |
| 2024 | $18.80 | $44.87 | $124.76 | $20.33 | $18.53 |
| 2025 | $25.21 | $61.56 | $97.37 | $25.66 | $18.98 |
AI valuation
Our deep-learning model estimates IF Bancorp, Inc.'s (IROQ) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $61.56
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$28.70
— upside
Graham-Dodd
$25.66
— upside
Graham Formula
$18.98
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| IROQ | IF Bancorp, Inc. | $27.75 | 93M | +122% | +3% | -8% | -32% | 19.19 | 1.01 | 1.71 | 23.03 | 13.67 | 1.03 | 54.72% | 12.23% | 8.90% | 5.53% | 8.66% | 0.48% | 0.89 | 0.26 | 0.00 | 0.01 | 8.08 | 14035.00% | 661.00% | 22019.00% | 7.89% | 0.01 | 13.11% | 1.56% | 29.90% | 17.75% | 25.44 | 23.09 | 3.11 | -0.76 |
| BOTJ | Bank of the James Financi… | $19.92 | 90.5M | +1,422% | +296% | +36% | +38% | 9.67 | 1.09 | 1.40 | 1.04 | 70.50 | 1.21 | 77.90% | 23.81% | 14.43% | 12.45% | 48.27% | 0.89% | 0.11 | 1.07 | 0.66 | 0.66 | -6.79 | 1371.00% | 601.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 82.24% | 0.78 | — | 0.18 | 0.18 |
| FDSB | Fifth District Savings Ba… | $14.92 | 82.4M | +3,813% | +28% | +57% | — | -58.71 | 0.50 | 3.28 | -34.20 | — | 0.50 | 58.47% | -7.45% | -5.59% | -1.06% | -2.61% | -0.21% | 0.00 | -0.16 | 0.10 | 0.10 | 51.10 | -25000.00% | 1093.00% | 4065.00% | -2.47% | 0.00 | -3.79% | 0.00% | 0.00% | 35.72% | -17.67 | -16.23 | 1.32 | -0.46 |
| FGBI | First Guaranty Bancshares… | $8.81 | 139.14M | +779% | -54% | — | +400% | -2.15 | 0.53 | 0.62 | -4.17 | — | 0.54 | -6.18% | -34.99% | -28.59% | -23.28% | -3719.92% | -1.39% | 0.82 | -0.54 | 0.01 | 0.01 | -2.41 | -61481.00% | -1995.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -4.17 | — | 1.46 | -0.45 |
| FNWB | First Northwest Bancorp | $9.27 | 82.98M | +1,628% | -14% | +54% | — | -21.37 | 0.57 | 0.84 | -27.97 | — | 0.58 | 47.27% | -5.47% | -3.91% | -2.69% | -2.73% | -0.19% | 2.17 | -0.12 | 2.26 | 2.26 | -62.90 | -3600.00% | -841.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -24.68 | — | 1.35 | 0.74 |
| FUSB | First US Bancshares, Inc. | $15.28 | 88.12M | +486% | +21% | +26% | +62% | 9.46 | 0.78 | 1.25 | 2.17 | — | 0.85 | 63.24% | 17.39% | 13.21% | 8.64% | -62.72% | 0.75% | 0.21 | 0.49 | 0.08 | 0.08 | -2.11 | 0.00% | 1010.00% | -5121.00% | 7.32% | 0.01 | -43.46% | 1.64% | 15.50% | 3.76% | 2.52 | 4.78 | 0.44 | -0.71 |
| PBHC | Pathfinder Bancorp, Inc. | $13.13 | 81.22M | +229% | +33% | +22% | -0% | 29.73 | 0.83 | 1.20 | -9.82 | — | 0.91 | 42.09% | 6.18% | 4.05% | 2.81% | -50.14% | 0.23% | 1.12 | 0.14 | 0.24 | 0.24 | 16.15 | -7219.00% | 1624.00% | -7864.00% | 2.86% | 0.01 | -29.87% | 2.36% | 70.30% | 59.96% | -12.37 | -22.19 | -0.76 | -0.59 |
| PROV | Provident Financial Holdi… | $16.00 | 102M | +124% | +4% | -4% | -38% | 16.35 | 0.80 | 1.70 | 21.21 | — | 0.80 | 65.94% | 14.75% | 10.40% | 4.84% | 2.07% | 0.50% | 1.66 | 0.42 | 0.06 | 0.06 | 12.94 | -1226.00% | 253.00% | 9910.00% | 7.97% | 0.01 | 2.70% | 3.68% | 60.20% | 34.57% | 29.55 | 32.15 | 4.36 | -0.44 |
| UBCP | United Bancorp, Inc. | $14.90 | 86.03M | +1,669% | +411% | +34% | +50% | 10.65 | 1.17 | 1.74 | 3.90 | 193.30 | 1.17 | 67.36% | 17.41% | 16.32% | 11.57% | 19.18% | 0.93% | 0.00 | 0.55 | — | — | -5.02 | 551.00% | 799.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 192.65% | 4.36 | — | 0.76 | 0.29 |
| WSBK | Winchester Bancorp, Inc. … | $13.10 | 117.39M | +388% | -22% | -8% | — | -101.05 | 0.77 | 1.98 | -226.66 | — | 0.77 | 38.76% | -3.44% | -1.96% | -0.89% | -0.55% | -0.10% | 1.27 | -0.06 | 0.09 | 0.12 | -134.34 | -22019.00% | 2251.00% | -30083.00% | 2.47% | 0.00 | 1.38% | 0.00% | 0.00% | 3.79% | -101.18 | 70.98 | 3.48 | -0.56 |
About IF Bancorp, Inc.
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.
- CEO
- Walter H. Hasselbring
- Employees
- 109
- Beta
- 0.19
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($28.70 ÷ —) − 1 = — (DCF, example).