IF Bancorp (NASDAQ:IROQ) vs. Heritage Southeast Bancorporation (OTCMKTS:HSBI) Financial Investigation
IF Bancorp (NASDAQ:IROQ) vs. Heritage Southeast Bancorporation (OTCMKTS:HSBI) Financial Investigation

IF Bancorp (NASDAQ: IRAQGet a rating) and Heritage Southeast Bancorporation (OTCMKTS: RCESGet a rating) are both small cap finance companies, but which is the better stock? We’ll compare the two companies based on valuation strength, earnings, institutional ownership, profitability, dividends, risk, and analyst recommendations.

Profitability

This table compares the net margins, return on equity and return on assets of IF Bancorp and Heritage Southeast Bancorporation.

Net margins Return on equity return on assets
SI Bancorp 20.20% 7.20% 0.80%
Heritage Southeast Bancorporation 18.31% N / A N / A

Analyst Notes

This is a breakdown of the current ratings and recommendations for IF Bancorp and Heritage Southeast Bancorporation, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
SI Bancorp 0 0 0 0 N / A
Heritage Southeast Bancorporation 0 0 0 0 N / A

Volatility and risk

IF Bancorp has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500. In comparison, Heritage Southeast Bancorporation has a beta of 0.91, indicating that its stock price stock is 9% less volatile than the S&P 500.

Insider and Institutional Ownership

37.1% of IF Bancorp shares are held by institutional investors. By comparison, 0.0% of the shares of Heritage Southeast Bancorporation are held by institutional investors. 13.3% of IF Bancorp’s shares are held by insiders of the company. By comparison, 29.6% of the shares of Heritage Southeast Bancorporation are held by insiders of the company. Strong institutional ownership indicates that endowments, large fund managers, and hedge funds believe a stock will outperform the market over the long term.

Valuation and benefits

This chart compares the gross revenue, earnings per share (EPS), and valuation of IF Bancorp and Heritage Southeast Bancorporation.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
SI Bancorp $30.61 million 2.50 $5.35 million $1.97 11.93
Heritage Southeast Bancorporation $75.43 million 2.33 $13.81 million $1.92 13.02

Heritage Southeast Bancorporation has higher revenue and profit than IF Bancorp. IF Bancorp trades at a lower price-to-earnings ratio than Heritage Southeast Bancorporation, indicating that it is currently the more affordable of the two stocks.

Summary

IF Bancorp beats Heritage Southeast Bancorporation on 6 of the 11 factors compared between the two stocks.

IF Bancorp Company Profile (Get a rating)

IF Bancorp, Inc. operates as a savings and loan holding company for the Iroquois Federal Savings and Loan Association which provides a range of banking and financial services to individuals and businesses. The Company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, business and personal checking accounts, individual retirement accounts and health savings accounts. It also offers loans including residential mortgages for one to four families; multi-family mortgages; commercial real estate loans, such as agricultural loans; home equity lines of credit; commercial business loans; and consumer loans consisting mainly of car loans, as well as construction loans and land development loans. In addition, the company sells property and casualty insurance and offers annuities; mutual fund; individual and group pension plans; life, disability and health insurance; individual titles; managed accounts; and other financial services. Additionally, it invests in securities; and provides ATMs, online banking and bill payment, mobile banking, ACH issuance, remote deposit capture, and telephone banking. As of August 31, 2021, it operated a network of seven full-service banking offices located in Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais and Champaign, Illinois; and a loan origination and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.

Company Profile Heritage Southeast Bancorporation (Get a rating)

Heritage Southeast Bancorporation, Inc. operates as the bank holding company for Heritage Southeast Bank which provides a range of commercial and consumer banking products and services primarily in the North and South Metro Atlanta area, Southeast of Georgia and Northeast Florida. The company offers checking and savings accounts, individual retirement accounts, as well as certificates of deposit; personal, home equity, mortgage, term, small business administration, commercial real estate and construction loans; Lines of credit; accounts receivable financing; credit and debit cards; and mobile, online and telephone banking, as well as cash management, messaging and remote deposit services. It operates through a network of 22 branches. The company was founded in 1995 and is based in Jonesboro, Georgia.



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