IF Bancorp Inc. (IROQ) and Provident Financial Holdings Inc. (NASDAQ:PROV) Contrasting side by side

IF Bancorp Inc. (NASDAQ:IROQ) and Provident Financial Holdings Inc. (NASDAQ:PROV), are influenced by contrast since they are both players in the Savings & Loans. These factors are particularly influence the dividends, institutional ownership, analyst recommendations, profitability, risk, earnings and valuation of the two firms.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
IF Bancorp Inc. 21.14M 3.21 3.02M 0.88 24.10
Provident Financial Holdings Inc. 54.53M 2.90 5.03M 0.91 22.16

Table 1 highlights IF Bancorp Inc. and Provident Financial Holdings Inc.’s gross revenue, earnings per share and valuation. Provident Financial Holdings Inc. seems to has higher revenue and earnings compared to IF Bancorp Inc. The business that Currently has a higher P/E ratio is considered the more expensive of the two businesses. IF Bancorp Inc. is currently more expensive than Provident Financial Holdings Inc., because it’s trading at a higher P/E ratio.

Profitability

Table 2 demonstrates the return on equity, return on assets and net margins of IF Bancorp Inc. and Provident Financial Holdings Inc.

Net Margins Return on Equity Return on Assets
IF Bancorp Inc. 14.29% 4% 0.5%
Provident Financial Holdings Inc. 9.22% 5.7% 0.6%

Risk & Volatility

A beta of 0.39 shows that IF Bancorp Inc. is 61.00% less volatile than S&P 500. From a competition point of view, Provident Financial Holdings Inc. has a 0.51 beta which is 49.00% less volatile compared to S&P 500.

Dividends

$0.25 per share with a dividend yield of 1.28% is the annual dividend that IF Bancorp Inc. pay. Provident Financial Holdings Inc. has an annual dividend pay of $0.56 per share while its annual dividend yield is 2.68%.

Analyst Ratings

The table given features the ratings and recommendations for IF Bancorp Inc. and Provident Financial Holdings Inc.

Sell Ratings Hold Ratings Buy Ratings Rating Score
IF Bancorp Inc. 0 0 0 0.00
Provident Financial Holdings Inc. 0 0 1 3.00

Institutional & Insider Ownership

Roughly 27.9% of IF Bancorp Inc. shares are owned by institutional investors while 54.9% of Provident Financial Holdings Inc. are owned by institutional investors. Insiders owned 0.2% of IF Bancorp Inc. shares. Competitively, 0.2% are Provident Financial Holdings Inc.’s share owned by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
IF Bancorp Inc. 0.14% 5.11% -4.21% -13.3% 7.79% 5.27%
Provident Financial Holdings Inc. 0.1% 18.42% 15.71% 12.38% 11.14% 30.65%

For the past year IF Bancorp Inc.’s stock price has smaller growth than Provident Financial Holdings Inc.

Summary

Provident Financial Holdings Inc. beats IF Bancorp Inc. on 11 of the 15 factors.

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 solutions 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 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 offers ATM, online banking, mobile banking, ACH origination, remote deposit capture, and telephone banking services. the company operates through a network of six full-service banking offices located in the municipalities of Watseka, Danville, Clifton, Hoopeston, Savoy, and Bourbonnais, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 2011 and is based in Watseka, Illinois.

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