IF Bancorp (IROQ) Competitors

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

Is USCB or IROQ more profitable?

USCB Financial has a net margin of 19.51% compared to IF Bancorp's net margin of 8.90%. USCB Financial's return on equity of 13.39% beat IF Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
USCB Financial	19.51%	13.39%	1.13%
IF Bancorp	8.90%	5.46%	0.49%

Does the media prefer USCB or IROQ?

In the previous week, USCB Financial had 2 more articles in the media than IF Bancorp. MarketBeat recorded 6 mentions for USCB Financial and 4 mentions for IF Bancorp. IF Bancorp's average media sentiment score of 1.11 beat USCB Financial's score of 0.87 indicating that IF Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
USCB Financial	1 Very Positive mention(s)	2 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
IF Bancorp	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts rate USCB or IROQ?

USCB Financial currently has a consensus price target of $22.00, indicating a potential upside of 33.82%. Given USCB Financial's stronger consensus rating and higher probable upside, equities analysts clearly believe USCB Financial is more favorable than IF Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
USCB Financial	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	3.25
IF Bancorp	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is USCB or IROQ a better dividend stock?

USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. IF Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. USCB Financial pays out 27.2% of its earnings in the form of a dividend. IF Bancorp pays out 29.9% 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 insiders and institutionals have more ownership in USCB or IROQ?

61.3% of USCB Financial shares are owned by institutional investors. Comparatively, 44.1% of IF Bancorp shares are owned by institutional investors. 49.5% of USCB Financial shares are owned by company insiders. Comparatively, 12.6% of IF Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Which has higher valuation & earnings, USCB or IROQ?

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
USCB Financial	$91.77M	3.60	$24.67M	$1.47	11.18
IF Bancorp	$48.36M	1.79	$4.30M	$1.34	19.26

Which has more risk & volatility, USCB or IROQ?

USCB Financial has a beta of 0.61, meaning that its stock price is 39% less volatile than the S&P 500. Comparatively, IF Bancorp has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500.

Summary

USCB Financial beats IF Bancorp on 18 of the 20 factors compared between the two stocks.