IF Bancorp (IROQ) Competitors

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

Which has more volatility and risk, FMAO or IROQ?

Farmers & Merchants Bancorp has a beta of 0.87, suggesting that its share price is 13% less volatile than the S&P 500. Comparatively, IF Bancorp has a beta of 0.35, suggesting that its share price is 65% less volatile than the S&P 500.

Does the media prefer FMAO or IROQ?

In the previous week, Farmers & Merchants Bancorp had 2 more articles in the media than IF Bancorp. MarketBeat recorded 2 mentions for Farmers & Merchants Bancorp and 0 mentions for IF Bancorp. Farmers & Merchants Bancorp's average media sentiment score of 0.79 beat IF Bancorp's score of 0.59 indicating that Farmers & Merchants Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Farmers & Merchants Bancorp	Positive
IF Bancorp	Positive

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

24.0% of Farmers & Merchants Bancorp shares are held by institutional investors. Comparatively, 44.1% of IF Bancorp shares are held by institutional investors. 7.3% of Farmers & Merchants Bancorp shares are held by company insiders. Comparatively, 12.6% of IF Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Is FMAO or IROQ a better dividend stock?

Farmers & Merchants Bancorp pays an annual dividend of $0.88 per share and has a dividend yield of 3.3%. IF Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. Farmers & Merchants Bancorp pays out 40.7% of its earnings in the form of a dividend. IF Bancorp pays out 39.2% 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. Farmers & Merchants Bancorp has increased its dividend for 19 consecutive years. Farmers & Merchants Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is FMAO or IROQ more profitable?

Farmers & Merchants Bancorp has a net margin of 16.04% compared to IF Bancorp's net margin of 6.82%. Farmers & Merchants Bancorp's return on equity of 8.66% beat IF Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Farmers & Merchants Bancorp	16.04%	8.66%	0.88%
IF Bancorp	6.82%	4.28%	0.37%

Which has better earnings and valuation, FMAO or IROQ?

Farmers & Merchants Bancorp has higher revenue and earnings than IF Bancorp. Farmers & Merchants Bancorp 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
Farmers & Merchants Bancorp	$107.39M	3.42	$25.94M	$2.16	12.38
IF Bancorp	$45.37M	1.87	$1.79M	$1.02	24.82

Summary

Farmers & Merchants Bancorp beats IF Bancorp on 12 of the 16 factors compared between the two stocks.