Definitive Analysis
Definitive Analysis

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IF Bancorp, Inc. (IROQ)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$264.46 - $311.58$292.00
Multi-Stage$58.39 - $63.98$61.13
Blended Fair Value$176.56
Current Price$25.88
Upside582.24%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2025202420232022202120202019201820172016
DPS6.49%12.30%0.400.400.390.330.280.290.270.230.180.15
YoY Growth--0.55%0.79%18.93%17.38%-3.19%8.18%18.90%23.94%21.69%20.10%
Dividend Yield--1.54%1.96%2.64%1.74%1.24%1.88%1.28%0.97%0.94%0.80%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)5.06
(-) Cash Dividends Paid (M)1.29
(=) Cash Retained (M)3.78
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)1.010.630.38
Cash Retained (M)3.783.783.78
(-) Cash Required (M)-1.01-0.63-0.38
(=) Excess Retained (M)2.763.143.40
(/) Shares Outstanding (M)3.233.233.23
(=) Excess Retained per Share0.860.971.05
LTM Dividend per Share0.400.400.40
(+) Excess Retained per Share0.860.971.05
(=) Adjusted Dividend1.251.371.45
WACC / Discount Rate5.76%5.76%5.76%
Growth Rate5.50%6.50%7.50%
Fair Value$264.46$292.00$311.58
Upside / Downside921.87%1,028.27%1,103.94%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)5.065.395.746.126.516.947.14
Payout Ratio25.40%38.32%51.24%64.16%77.08%90.00%92.50%
Projected Dividends (M)1.292.072.943.925.026.246.61

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate5.76%5.76%5.76%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)1.941.951.97
Year 2 PV (M)2.582.632.68
Year 3 PV (M)3.223.323.41
Year 4 PV (M)3.864.014.17
Year 5 PV (M)4.504.724.94
PV of Terminal Value (M)172.58180.92189.57
Equity Value (M)188.69197.55206.74
Shares Outstanding (M)3.233.233.23
Fair Value$58.39$61.13$63.98
Upside / Downside125.61%136.20%147.20%

High-Yield Dividend Screener

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