Comparing IF Bancorp (NASDAQ:IROQ) & Southern Banc (NASDAQ:SRNN)

IF Bancorp (NASDAQ:IROQ) and Southern Banc (OTCMKTS:SRNN) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, valuation, dividends, institutional ownership, earnings, risk and analyst recommendations.

Dividends

IF Bancorp pays an annual dividend of $0.25 per share and has a dividend yield of 1.2%. Southern Banc does not pay a dividend. IF Bancorp has increased its dividend for 5 consecutive years.

Earnings & Valuation

This table compares IF Bancorp and Southern Banc’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
IF Bancorp $26.91 million 2.85 $1.73 million N/A N/A
Southern Banc $5.53 million 1.22 -$560,000.00 N/A N/A

IF Bancorp has higher revenue and earnings than Southern Banc.

Profitability

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

Net Margins Return on Equity Return on Assets
IF Bancorp 10.11% 3.76% 0.46%
Southern Banc 7.38% 3.82% 0.44%

Institutional and Insider Ownership

27.4% of IF Bancorp shares are owned by institutional investors. 11.1% of IF Bancorp shares are owned by company insiders. Comparatively, 22.0% of Southern Banc shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations and price targets for IF Bancorp and Southern Banc, as reported by MarketBeat.com.

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

Volatility and Risk

IF Bancorp has a beta of 0.38, indicating that its share price is 62% less volatile than the S&P 500. Comparatively, Southern Banc has a beta of 0.19, indicating that its share price is 81% less volatile than the S&P 500.

Summary

IF Bancorp beats Southern Banc on 9 of the 11 factors compared between the two stocks.

About IF Bancorp

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.

About Southern Banc

The Southern Banc Company, Inc. operates as the holding company for The Southern Bank Company that provides various banking products and services in Alabama. Its personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. The company's business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. It also offers commercial accounts, accounts receivable management, factoring services, and online banking and ATM services. The company operates through four full service banking offices located in Gadsden, Albertville, Guntersville, and Centre, as well as through one commercial finance office located in Birmingham. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.

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