IF Bancorp (IROQ) Competitors

IF Bancorp (NASDAQ:IROQ) and USCB Financial (NASDAQ:USCB) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, dividends, earnings, valuation, media sentiment, profitability and analyst recommendations.

Which has more volatility & risk, IROQ or USCB?

IF Bancorp has a beta of 0.32, indicating that its share price is 68% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Which has preferable valuation and earnings, IROQ or USCB?

USCB Financial has higher revenue and earnings than IF Bancorp. USCB Financial is trading at a lower price-to-earnings ratio than IF Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
IF Bancorp	$45.37M	1.79	$1.79M	$1.02	23.76
USCB Financial	$143.97M	2.36	$24.67M	$1.38	12.30

Is IROQ or USCB more profitable?

USCB Financial has a net margin of 18.69% compared to IF Bancorp's net margin of 6.82%. USCB Financial's return on equity of 12.96% beat IF Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
IF Bancorp	6.82%	4.28%	0.37%
USCB Financial	18.69%	12.96%	1.08%

Is IROQ or USCB a better dividend stock?

IF Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. IF Bancorp pays out 39.2% of its earnings in the form of a dividend. USCB Financial pays out 29.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. USCB Financial has raised its dividend for 2 consecutive years. USCB Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media prefer IROQ or USCB?

In the previous week, USCB Financial had 3 more articles in the media than IF Bancorp. MarketBeat recorded 3 mentions for USCB Financial and 0 mentions for IF Bancorp. USCB Financial's average media sentiment score of 0.50 beat IF Bancorp's score of 0.00 indicating that USCB Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
IF Bancorp	Neutral
USCB Financial	Neutral

Do insiders & institutionals have more ownership in IROQ or USCB?

44.1% of IF Bancorp shares are held by institutional investors. Comparatively, 61.3% of USCB Financial shares are held by institutional investors. 12.6% of IF Bancorp shares are held by company insiders. Comparatively, 49.5% of USCB Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Do analysts rate IROQ or USCB?

USCB Financial has a consensus price target of $19.00, suggesting a potential upside of 11.96%. Given USCB Financial's stronger consensus rating and higher probable upside, analysts clearly believe USCB Financial is more favorable than IF Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
IF Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
USCB Financial	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Summary

USCB Financial beats IF Bancorp on 18 of the 19 factors compared between the two stocks.