IF Bancorp (NASDAQ:IROQ) & Security Bancorp (OTCMKTS:SCYT) Financial Contrast

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

Institutional & Insider Ownership

44.1% of IF Bancorp shares are owned by institutional investors. 14.1% of IF Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Risk & Volatility

IF Bancorp has a beta of 0.5, suggesting that its stock price is 50% less volatile than the S&P 500. Comparatively, Security Bancorp has a beta of 0.11, suggesting that its stock price is 89% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
IF Bancorp	4.52%	2.75%	0.22%
Security Bancorp	N/A	N/A	N/A

Dividends

IF Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Security Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.6%. IF Bancorp pays out 65.6% of its earnings in the form of a dividend. IF Bancorp has raised its dividend for 9 consecutive years. IF Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Ratings

This is a breakdown of recent recommendations for IF Bancorp and Security Bancorp, as reported by MarketBeat.

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

Earnings and Valuation

This table compares IF Bancorp and Security Bancorp’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
IF Bancorp	$36.14 million	1.55	$4.66 million	$0.61	27.46
Security Bancorp	N/A	N/A	N/A	N/A	N/A

IF Bancorp has higher revenue and earnings than Security Bancorp.

Summary

IF Bancorp beats Security Bancorp on 9 of the 10 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 services 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 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 primarily comprising 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 invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.

About Security Bancorp

Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank that provides banking products and services to individual and corporate customers in Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposit. It also offers consumer loans; mortgage loans; and commercial loans, including installment loans, lines of credit, and real estate lending. In addition, the company provides financial services, as well as online, mobile, and telephone banking services. Security Bancorp, Inc. was founded in 1960 and is headquartered in McMinnville, Tennessee.