NASB Financial (OTCMKTS:NASB – Get Rating) and IF Bancorp (NASDAQ:IROQ – Get Rating) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, earnings, risk, profitability, analyst recommendations, institutional ownership and dividends.
This table compares NASB Financial and IF Bancorp’s net margins, return on equity and return on assets.
|net margins||return on equity||return on assets|
|NASB Financial||N / A||N / A||N / A|
Risk and Volatility
NASB Financial has a beta of 0.17, meaning that its share price is 83% less volatile than the S&P 500. Comparatively, IF Bancorp has a beta of 0.71, meaning that its share price is 29% less volatile than the S&P 500.
Institutional & insider ownership
0.1% of NASB Financial shares are held by institutional investors. Comparatively, 38.0% of IF Bancorp shares are held by institutional investors. 47.0% of NASB Financial shares are held by insiders. Comparatively, 13.3% of IF Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
This is a breakdown of recent ratings and target prices for NASB Financial and IF Bancorp, as reported by MarketBeat.com.
|sell ratings||hold ratings||Buy rating||Strong Buy Ratings||rating score|
|NASB Financial||0||0||0||0||N / A|
|IF Bancorp||0||0||0||0||N / A|
Earnings & Valuation
This table compares NASB Financial and IF Bancorp’s top-line revenue, earnings per share and valuation.
|Gross revenue||Price/sales ratio||Net Income||Earnings Per Share||Price/earnings ratio|
|NASB Financial||N / A||N / A||$73.71 million||$5.20||10.77|
|IF Bancorp||$30.61 million||1.87||$5.35 million||$1.84||9.53|
NASB Financial has higher earnings, but lower revenue than IF Bancorp. IF Bancorp is trading at a lower price-to-earnings ratio than NASB Financial, indicating that it is currently the more affordable of the two stocks.
NASB Financial pays an annual dividend of $3.40 per share and has a dividend yield of 6.1%. IF Bancorp pays an annual dividend of $0.35 per share and has a dividend yield of 2.0%. NASB Financial pays out 65.4% of its earnings in the form of a dividend. IF Bancorp pays out 19.0% 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. IF Bancorp has increased its dividend for 1 consecutive years.
IF Bancorp beats NASB Financial on 8 of the 13 factors compared between the two stocks.
About NASB Financial
NASB Financial, Inc. operates as a unitary thrift holding company for North American Savings Bank, FSB that provides various banking products and services in the United States. The company offers checking, savings, money market, and certificate of deposit accounts. It also mortgages and refinancing products, including conventional, veterans administration, federal housing administration, jumbo, and IRA residential real-estate loans. In addition, the company provides commercial real estate development and commercial loans, such as multifamily, retail, single-tenant, multi-tenant, office, industrial, and other loans; investment property loans; and construction and development loans. It operates 10 branch offices, 50 ATMs, and 3 mortgage loan offices. The company was founded in 1927 and is based in Grandview, Missouri.
About IF Bancorp
IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial services to individual and corporate clients. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, individual retirement accounts, and health savings accounts. It also provides loans comprising one- to four-family residential mortgage loans; multi-family mortgage loans; commercial real estate loans, such as farm loans; home equity lines of credit; commercial business loans; and consumer loans primarily consisting of automobile loans, as well as construction loans and land development loans. In addition, the company sells property and casualty insurance, as well as offers annuities; mutual funds; individual and group retirement plans; life, disability, and health insurance; individual securities; managed accounts; and other financial services. Further, it invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. As of August 31, 2021, it operated a network of seven full-service banking offices located in Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais, and Champaign, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.
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