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 compare the two businesses based on the strength of their risk, dividends, valuation, analyst recommendations, media sentiment, earnings, profitability and institutional ownership.

Does the media refer more to 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. IF Bancorp's average media sentiment score of 1.49 beat USCB Financial's score of 0.50 indicating that IF Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
IF Bancorp	Positive
USCB Financial	Neutral

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%

Which has more risk and volatility, IROQ or USCB?

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

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

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

Which has stronger earnings and valuation, 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 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 increased 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.

Do analysts rate IROQ or USCB?

USCB Financial has a consensus target price of $19.00, suggesting a potential upside of 11.96%. Given USCB Financial's stronger consensus rating and higher possible 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 17 of the 19 factors compared between the two stocks.