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IF Bancorp, Inc. (IROQ)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US44951J1051
CUSIP
44951J105
IPO Date
Jul 8, 2011

Highlights

Market Cap
$86.11M
Enterprise Value
$162.03M
EPS (TTM)
$1.60
PE Ratio
16.62
PEG Ratio
1.02
Total Revenue (TTM)
$47.81M
Gross Profit (TTM)
$28.46M
EBITDA (TTM)
$6.96M
Year Range
$23.01 - $29.00
ROA (TTM)
0.62%
ROE (TTM)
5.92%

Share Price Chart


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IF Bancorp, Inc.

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in IF Bancorp, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

IF Bancorp, Inc. (IROQ) has returned -1.52% so far this year and 11.07% over the past 12 months. Over the last ten years, IROQ has returned 5.03% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


IF Bancorp, Inc.

1D
0.00%
1M
-4.32%
YTD
-1.52%
6M
2.61%
1Y
11.07%
3Y*
21.90%
5Y*
6.84%
10Y*
5.03%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Jul 8, 2011, IROQ's average daily return is +0.04%, while the average monthly return is +0.69%. At this rate, your investment would double in approximately 8.4 years.

Historically, 59% of months were positive and 41% were negative. The best month was Nov 2020 with a return of +24.5%, while the worst month was Mar 2020 at -23.1%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 4 months.

On a daily basis, IROQ closed higher 38% of trading days. The best single day was Jun 11, 2020 with a return of +11.9%, while the worst single day was Jan 28, 2021 at -11.3%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20260.59%2.32%-4.32%-1.52%
20252.83%1.54%-0.16%-1.16%2.10%0.15%2.15%1.61%3.19%-0.60%1.36%3.41%17.58%
20246.05%-2.94%2.01%-0.78%6.61%-8.02%6.24%4.71%13.19%4.46%3.42%6.93%48.61%
20233.77%1.12%-13.04%-0.26%-8.39%1.69%7.55%-3.48%0.67%-2.62%-0.86%11.51%-4.61%
2022-0.73%-5.81%-1.95%0.42%-11.62%-9.48%-7.68%15.91%-5.65%-1.53%-0.54%-7.16%-32.39%
2021-10.01%6.18%2.97%2.97%3.21%-0.31%-1.14%-1.29%2.80%-0.71%2.04%13.05%19.78%

Benchmark Metrics

IF Bancorp, Inc. has an annualized alpha of 9.02%, beta of 0.11, and R² of 0.01 versus S&P 500 Index. Calculated based on daily prices since July 11, 2011.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (36.34%) than losses (28.88%) — typical of diversified or defensive assets.
  • Beta of 0.11 may look defensive, but with R² of 0.01 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R² of 0.01 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
9.02%
Beta
0.11
0.01
Upside Capture
36.34%
Downside Capture
28.88%

Return for Risk

Risk / Return Rank

IROQ ranks 63 for risk / return — better than 63% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


IROQ Risk / Return Rank: 6363
Overall Rank
IROQ Sharpe Ratio Rank: 6262
Sharpe Ratio Rank
IROQ Sortino Ratio Rank: 5353
Sortino Ratio Rank
IROQ Omega Ratio Rank: 6060
Omega Ratio Rank
IROQ Calmar Ratio Rank: 6868
Calmar Ratio Rank
IROQ Martin Ratio Rank: 7373
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for IF Bancorp, Inc. (IROQ) and compare them to a chosen benchmark (S&P 500 Index).


IROQBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.60

0.90

-0.30

Sortino ratio

Return per unit of downside risk

0.95

1.39

-0.44

Omega ratio

Gain probability vs. loss probability

1.17

1.21

-0.05

Calmar ratio

Return relative to maximum drawdown

1.37

1.40

-0.03

Martin ratio

Return relative to average drawdown

4.13

6.61

-2.47

Explore IROQ risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

IF Bancorp, Inc. provided a 0.75% dividend yield over the last twelve months, with an annual payout of $0.20 per share. The company has been increasing its dividends for 12 consecutive years.


0.50%1.00%1.50%2.00%2.50%$0.00$0.10$0.20$0.30$0.4020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$0.20$0.40$0.40$0.40$0.38$0.33$0.30$0.28$0.23$0.18$0.16$0.10

Dividend yield

0.75%1.48%1.72%2.50%2.17%1.25%1.36%1.19%1.12%0.92%0.86%0.54%

Monthly Dividends

The table displays the monthly dividend distributions for IF Bancorp, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.00$0.00$0.00
2025$0.00$0.00$0.20$0.00$0.00$0.00$0.00$0.00$0.20$0.00$0.00$0.00$0.40
2024$0.00$0.00$0.20$0.00$0.00$0.00$0.00$0.00$0.20$0.00$0.00$0.00$0.40
2023$0.00$0.00$0.20$0.00$0.00$0.00$0.00$0.00$0.20$0.00$0.00$0.00$0.40
2022$0.00$0.00$0.18$0.00$0.00$0.00$0.00$0.00$0.20$0.00$0.00$0.00$0.38
2021$0.00$0.00$0.15$0.00$0.00$0.00$0.00$0.00$0.18$0.00$0.00$0.00$0.33

Dividend Yield & Payout


Dividend Yield

IF Bancorp, Inc. has a dividend yield of 0.75%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.

Payout Ratio

IF Bancorp, Inc. has a payout ratio of 24.94%, which is below the market average. This means IF Bancorp, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the IF Bancorp, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the IF Bancorp, Inc. was 47.40%, occurring on Jun 12, 2023. Recovery took 454 trading sessions.

The current IF Bancorp, Inc. drawdown is 5.25%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-47.4%Dec 22, 2021369Jun 12, 2023454Apr 3, 2025823
-38.07%Jul 31, 2018416Mar 25, 2020413Nov 11, 2021829
-12.35%Jan 14, 201619Feb 10, 2016195Nov 16, 2016214
-9.26%Apr 4, 20254Apr 9, 202595Aug 26, 202599
-8.66%May 16, 20124May 21, 201294Oct 3, 201298

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of IF Bancorp, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how IF Bancorp, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for IROQ, comparing it with other companies in the Banks - Regional industry. Currently, IROQ has a P/E ratio of 16.6. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for IROQ compared to other companies in the Banks - Regional industry. IROQ currently has a PEG ratio of 1.0. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for IROQ relative to other companies in the Banks - Regional industry. Currently, IROQ has a P/S ratio of 1.8. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for IROQ in comparison with other companies in the Banks - Regional industry. Currently, IROQ has a P/B value of 1.0. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items