IF Bancorp (IROQ) Competitors

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

Which has preferable earnings and valuation, SSBK or IROQ?

Southern States Bancshares has higher revenue and earnings than IF Bancorp. Southern States Bancshares 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
Southern States Bancshares	$177.17M	1.76	$34.87M	$3.67	8.62
IF Bancorp	$45.37M	1.77	$1.79M	$0.93	25.77

Does the media prefer SSBK or IROQ?

In the previous week, IF Bancorp had 2 more articles in the media than Southern States Bancshares. MarketBeat recorded 2 mentions for IF Bancorp and 0 mentions for Southern States Bancshares. IF Bancorp's average media sentiment score of 1.00 beat Southern States Bancshares' score of 0.00 indicating that IF Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
Southern States Bancshares	Neutral
IF Bancorp	Positive

Do analysts prefer SSBK or IROQ?

Southern States Bancshares currently has a consensus price target of $35.50, indicating a potential upside of 12.16%. Given Southern States Bancshares' stronger consensus rating and higher possible upside, equities analysts clearly believe Southern States Bancshares is more favorable than IF Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Southern States Bancshares	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
IF Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the MarketBeat Community prefer SSBK or IROQ?

IF Bancorp received 91 more outperform votes than Southern States Bancshares when rated by MarketBeat users. Likewise, 65.03% of users gave IF Bancorp an outperform vote while only 51.72% of users gave Southern States Bancshares an outperform vote.

Company	Underperform	Outperform
Southern States Bancshares	Outperform Votes 15 51.72%	Underperform Votes 14 48.28%
IF Bancorp	Outperform Votes 106 65.03%	Underperform Votes 57 34.97%

Is SSBK or IROQ more profitable?

Southern States Bancshares has a net margin of 19.68% compared to IF Bancorp's net margin of 6.18%. Southern States Bancshares' return on equity of 15.04% beat IF Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Southern States Bancshares	19.68%	15.04%	1.38%
IF Bancorp	6.18%	3.97%	0.34%

Which has more risk and volatility, SSBK or IROQ?

Southern States Bancshares has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500. Comparatively, IF Bancorp has a beta of 0.49, suggesting that its stock price is 51% less volatile than the S&P 500.

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

58.7% of Southern States Bancshares shares are owned by institutional investors. Comparatively, 44.1% of IF Bancorp shares are owned by institutional investors. 14.8% of Southern States Bancshares shares are owned by insiders. Comparatively, 12.6% of IF Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Is SSBK or IROQ a better dividend stock?

Southern States Bancshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.1%. IF Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. Southern States Bancshares pays out 9.8% of its earnings in the form of a dividend. IF Bancorp pays out 43.0% 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.

Summary

Southern States Bancshares beats IF Bancorp on 12 of the 20 factors compared between the two stocks.