IF Bancorp Net Income
| IROQ Stock | USD 27.91 0.23 0.83% |
As of the 10th of February, IF Bancorp owns the Standard Deviation of 0.7193, market risk adjusted performance of 0.8208, and Semi Deviation of 0.3156. IF Bancorp technical analysis makes it possible for you to employ past data patterns with the intention to determine a pattern that calculates the direction of the firm's future prices.
Analyzing historical trends in various income statement and balance sheet accounts from IF Bancorp's financial statements helps investors evaluate the company's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting IF Bancorp's valuation are summarized below:IF Bancorp does not at this moment have any fundamental measures for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Can Regional Banks industry sustain growth momentum? Does IROQ have expansion opportunities? Factors like these will boost the valuation of IF Bancorp. Market participants price IROQ higher when confident in its future expansion prospects. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating IF Bancorp demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Investors evaluate IF Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating IF Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause IF Bancorp's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between IF Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if IF Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, IF Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
IF Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to IF Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of IF Bancorp.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in IF Bancorp on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding IF Bancorp or generate 0.0% return on investment in IF Bancorp over 90 days. IF Bancorp is related to or competes with Bank of the, First Bancshares, First Northwest, Fifth District, Auburn National, United Bancorp, and Winchester Bancorp. IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that... More
IF Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure IF Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess IF Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 0.6599 | |||
| Information Ratio | 0.0583 | |||
| Maximum Drawdown | 5.02 | |||
| Value At Risk | (0.85) | |||
| Potential Upside | 1.5 |
IF Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for IF Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as IF Bancorp's standard deviation. In reality, there are many statistical measures that can use IF Bancorp historical prices to predict the future IF Bancorp's volatility.| Risk Adjusted Performance | 0.1486 | |||
| Jensen Alpha | 0.1119 | |||
| Total Risk Alpha | 0.0503 | |||
| Sortino Ratio | 0.0635 | |||
| Treynor Ratio | 0.8108 |
IF Bancorp February 10, 2026 Technical Indicators
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| Risk Adjusted Performance | 0.1486 | |||
| Market Risk Adjusted Performance | 0.8208 | |||
| Mean Deviation | 0.477 | |||
| Semi Deviation | 0.3156 | |||
| Downside Deviation | 0.6599 | |||
| Coefficient Of Variation | 534.64 | |||
| Standard Deviation | 0.7193 | |||
| Variance | 0.5174 | |||
| Information Ratio | 0.0583 | |||
| Jensen Alpha | 0.1119 | |||
| Total Risk Alpha | 0.0503 | |||
| Sortino Ratio | 0.0635 | |||
| Treynor Ratio | 0.8108 | |||
| Maximum Drawdown | 5.02 | |||
| Value At Risk | (0.85) | |||
| Potential Upside | 1.5 | |||
| Downside Variance | 0.4355 | |||
| Semi Variance | 0.0996 | |||
| Expected Short fall | (0.57) | |||
| Skewness | 1.13 | |||
| Kurtosis | 5.11 |
IF Bancorp Backtested Returns
Currently, IF Bancorp is very steady. IF Bancorp retains Efficiency (Sharpe Ratio) of 0.19, which attests that the entity had a 0.19 % return per unit of price deviation over the last 3 months. We have found twenty-nine technical indicators for IF Bancorp, which you can use to evaluate the volatility of the firm. Please check out IF Bancorp's Market Risk Adjusted Performance of 0.8208, semi deviation of 0.3156, and Standard Deviation of 0.7193 to validate if the risk estimate we provide is consistent with the expected return of 0.13%. IF Bancorp has a performance score of 14 on a scale of 0 to 100. The company owns a Beta (Systematic Risk) of 0.15, which attests to not very significant fluctuations relative to the market. As returns on the market increase, IF Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding IF Bancorp is expected to be smaller as well. IF Bancorp today owns a risk of 0.72%. Please check out IF Bancorp standard deviation, expected short fall, period momentum indicator, as well as the relationship between the maximum drawdown and rate of daily change , to decide if IF Bancorp will be following its current price history.
Auto-correlation | 0.77 |
Good predictability
IF Bancorp has good predictability. Overlapping area represents the amount of predictability between IF Bancorp time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of IF Bancorp price movement. The serial correlation of 0.77 indicates that around 77.0% of current IF Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.77 | |
| Spearman Rank Test | 0.78 | |
| Residual Average | 0.0 | |
| Price Variance | 0.11 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, IF Bancorp reported net income of 4.3 M. This is 99.66% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.25% higher than that of the company.
IROQ Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses IF Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of IF Bancorp could also be used in its relative valuation, which is a method of valuing IF Bancorp by comparing valuation metrics of similar companies.IF Bancorp is currently under evaluation in net income category among its peers.
IROQ Fundamentals
| Return On Equity | 0.0633 | ||||
| Return On Asset | 0.006 | ||||
| Profit Margin | 0.18 % | ||||
| Operating Margin | 0.25 % | ||||
| Current Valuation | 164.58 M | ||||
| Shares Outstanding | 3.24 M | ||||
| Shares Owned By Insiders | 34.98 % | ||||
| Shares Owned By Institutions | 29.60 % | ||||
| Number Of Shares Shorted | 4.33 K | ||||
| Price To Earning | 9.95 X | ||||
| Price To Book | 1.03 X | ||||
| Price To Sales | 3.25 X | ||||
| Revenue | 48.37 M | ||||
| Gross Profit | 28.55 M | ||||
| EBITDA | 6.54 M | ||||
| Net Income | 4.3 M | ||||
| Cash And Equivalents | 77.31 M | ||||
| Cash Per Share | 25.07 X | ||||
| Total Debt | 72.92 M | ||||
| Debt To Equity | 6.09 % | ||||
| Book Value Per Share | 26.94 X | ||||
| Cash Flow From Operations | 6.76 M | ||||
| Short Ratio | 0.59 X | ||||
| Earnings Per Share | 1.63 X | ||||
| Number Of Employees | 102 | ||||
| Beta | 0.19 | ||||
| Market Capitalization | 92.75 M | ||||
| Total Asset | 887.66 M | ||||
| Retained Earnings | 46.89 M | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 1.33 % | ||||
| Net Asset | 887.66 M | ||||
| Last Dividend Paid | 0.2 |
About IF Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze IF Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of IF Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of IF Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with IF Bancorp
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if IF Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in IF Bancorp will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to IF Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace IF Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back IF Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling IF Bancorp to buy it.
The correlation of IF Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as IF Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if IF Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for IF Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Additional Tools for IROQ Stock Analysis
When running IF Bancorp's price analysis, check to measure IF Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy IF Bancorp is operating at the current time. Most of IF Bancorp's value examination focuses on studying past and present price action to predict the probability of IF Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move IF Bancorp's price. Additionally, you may evaluate how the addition of IF Bancorp to your portfolios can decrease your overall portfolio volatility.