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IF Bancorp (NAS:IROQ) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
IF Bancorp 5-Year Yield-on-Cost % Related Terms
IROQ vs STBK, JBTC, FUSB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, IF Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
IF Bancorp 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, IF Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where IF Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of IF Bancorp is calculated as
IF Bancorp (IROQ) has a 5-Year Yield-on-Cost % of 2.14 as of Aug. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on IF Bancorp and its competitors. This is near median its historical median of 2.04. Over the past decade, IF Bancorp's 5-Year Yield-on-Cost % has ranged from 0.98 to 4.06.
Is IF Bancorp's 5-Year Yield-on-Cost % too high?
IF Bancorp's current 5-Year Yield-on-Cost % of 2.14 is near median its 10-year median of 2.04. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 4.06. The Banks industry median 5-Year Yield-on-Cost % is 3.81. IF Bancorp's value of 2.14 is 43.8% below this industry median. Overall, IF Bancorp has a GF Score™ of 47/100, reflecting its overall financial health beyond just this single metric.
How does IF Bancorp's 5-Year Yield-on-Cost % compare to STBK and JBTC?
IF Bancorp's 5-Year Yield-on-Cost % of 2.14 can be compared against companies in the Banks industry. The industry median 5-Year Yield-on-Cost % is 3.81. IF Bancorp's value of 2.14 is 43.8% below this benchmark. Historically, IF Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.98 to 4.06 over the past decade. While the company's 10-year median is 2.04 vs. the industry median of 3.81, IF Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IF Bancorp's current 5-Year Yield-on-Cost % of 2.14 is 43.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on IF Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IF Bancorp's current 5-Year Yield-on-Cost % is 2.14, which is near median its own 10-year median of 2.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IF Bancorp stock overvalued right now?
IF Bancorp (IROQ) has a current 5-Year Yield-on-Cost % of 2.14. The stock's GF Value™ is $21.95, compared to a current price of $26.55 — trading 21% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.14, which is near median its 10-year median of 2.04 and 43.8% below the Banks industry median of 3.81. IF Bancorp's overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For IF Bancorp (IROQ), the current 5-Year Yield-on-Cost % is 2.14 as of Aug. 16, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is IF Bancorp (IROQ) Overvalued in 2026?
Based on GuruFocus' analysis, IF Bancorp stock appears to be overvalued.
The current stock price of $26.55 is trading 21% above its estimated GF Value™ of $21.95.
Key valuation signals for IROQ:
5-Year Yield-on-Cost %: 2.14 (near median its 10-year median of 2.04)
GF Value™: $21.95 vs. price of $26.55 (21% above fair value)
No single metric tells the full story. See the IROQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IF Bancorp Inc is a holding company mainly engaged in the business of directing, planning, and coordinating the business activities of Iroquois Federal. The company, in association, takes deposits from the general public and invests those deposits together with funds generated from operations and borrowings in various loans such as multi-family residential and mortgage loans, commercial real estate loans, home equity lines of credit, consumer loans, etc., and offers a variety of deposit accounts and alternative delivery channels. In addition to the traditional banking products and services, the group also offers a full line of property and casualty insurance products, annuities, mutual funds, individual securities, managed accounts, and other financial services.
47GF Score
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