IF Bancorp (IROQ) Competitors

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

Do institutionals & insiders hold more shares of IROQ or CIVB?

44.1% of IF Bancorp shares are owned by institutional investors. Comparatively, 52.1% of Civista Bancshares shares are owned by institutional investors. 12.6% of IF Bancorp shares are owned by insiders. Comparatively, 3.0% of Civista Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Is IROQ or CIVB more profitable?

Civista Bancshares has a net margin of 13.12% compared to IF Bancorp's net margin of 4.14%. Civista Bancshares' return on equity of 8.33% beat IF Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
IF Bancorp	4.14%	2.62%	0.22%
Civista Bancshares	13.12%	8.33%	0.80%

Does the media refer more to IROQ or CIVB?

In the previous week, IF Bancorp and IF Bancorp both had 2 articles in the media. Civista Bancshares' average media sentiment score of 0.94 beat IF Bancorp's score of 0.64 indicating that Civista Bancshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
IF Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Civista Bancshares	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has better earnings & valuation, IROQ or CIVB?

Civista Bancshares has higher revenue and earnings than IF Bancorp. Civista 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
IF Bancorp	$45.37M	1.81	$1.79M	$0.61	40.21
Civista Bancshares	$150.48M	2.18	$42.96M	$2.01	10.39

Is IROQ or CIVB a better dividend stock?

IF Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. Civista Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 3.1%. IF Bancorp pays out 65.6% of its earnings in the form of a dividend. Civista Bancshares pays out 31.8% 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. Civista Bancshares has increased its dividend for 14 consecutive years. Civista Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more risk and volatility, IROQ or CIVB?

IF Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, Civista Bancshares has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500.

Does the MarketBeat Community prefer IROQ or CIVB?

Civista Bancshares received 156 more outperform votes than IF Bancorp when rated by MarketBeat users. However, 65.03% of users gave IF Bancorp an outperform vote while only 58.35% of users gave Civista Bancshares an outperform vote.

Company	Underperform	Outperform
IF Bancorp	Outperform Votes 106 65.03%	Underperform Votes 57 34.97%
Civista Bancshares	Outperform Votes 262 58.35%	Underperform Votes 187 41.65%

Do analysts recommend IROQ or CIVB?

Civista Bancshares has a consensus price target of $21.75, indicating a potential upside of 4.17%. Given Civista Bancshares' stronger consensus rating and higher probable upside, analysts clearly believe Civista Bancshares 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
Civista Bancshares	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Summary

Civista Bancshares beats IF Bancorp on 17 of the 20 factors compared between the two stocks.