Critical Comparison: IF Bancorp (IROQ) and Clifton Bancorp (CSBK)

IF Bancorp (NASDAQ:IROQ) and Clifton Bancorp (NASDAQ:CSBK) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, profitability, earnings, dividends and risk.

Dividends

IF Bancorp pays an annual dividend of $0.25 per share and has a dividend yield of 1.2%. Clifton Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. IF Bancorp has increased its dividend for 4 consecutive years.

Valuation & Earnings

This table compares IF Bancorp and Clifton Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
IF Bancorp $26.91 million 3.09 $1.73 million N/A N/A
Clifton Bancorp N/A N/A N/A N/A N/A

IF Bancorp has higher revenue and earnings than Clifton Bancorp.

Profitability

This table compares IF Bancorp and Clifton Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
IF Bancorp 6.07% 3.68% 0.48%
Clifton Bancorp N/A N/A N/A

Institutional & Insider Ownership

30.9% of IF Bancorp shares are held by institutional investors. Comparatively, 58.7% of Clifton Bancorp shares are held by institutional investors. 11.1% of IF Bancorp shares are held by company insiders. Comparatively, 6.3% of Clifton Bancorp shares are held by company 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.

Analyst Recommendations

This is a summary of current ratings and price targets for IF Bancorp and Clifton Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
IF Bancorp 0 0 0 0 N/A
Clifton Bancorp 0 0 0 0 N/A

Summary

IF Bancorp beats Clifton Bancorp on 6 of the 8 factors compared between the two stocks.

IF Bancorp Company Profile

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.

Clifton Bancorp Company Profile

Clifton Bancorp Inc, formerly Clifton Savings Bancorp, Inc., is a savings and loan holding company that operates through its subsidiary, Clifton Savings Bank (Clifton Savings). Clifton Savings is a federally chartered savings bank. Clifton Savings operate as a community-oriented financial institution offering traditional financial services to consumers and businesses in the market area. It attracts deposits from the general public and uses those funds to originate one- to four-family, multi-family and commercial real estate, and consumer loans, which it holds for investment. Clifton Savings has one wholly owned subsidiary, Botany Inc., an investment company. In addition to the main office located in Passaic County, Clifton Savings operates 11 branch offices in Bergen and Passaic Counties, which, along with Essex, Morris, Hudson and Union Counties are its primary market area.

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