IROQ vs HONE

For growth investors, HarborOne Bancorp, Inc.

(HONE) is the stronger pick with 10. 7% revenue growth year-over-year, versus 6. 6% for IF Bancorp, Inc. (IROQ). HarborOne Bancorp, Inc. (HONE) offers the better valuation at 18. 3x trailing P/E (13. 3x forward), making it the more compelling value choice. Analysts rate HarborOne Bancorp, Inc. (HONE) a "Hold" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, HarborOne Bancorp, Inc.

(HONE) is the cheapest at 18. 3x versus IF Bancorp, Inc. at 19. 4x.

Over the past 5 years, IF Bancorp, Inc.

(IROQ) delivered a total return of +24. 1%, compared to -5. 5% for HarborOne Bancorp, Inc. (HONE). Over 10 years, the gap is even starker: HONE returned +88. 3% versus IROQ's +55. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), IF Bancorp, Inc.

(IROQ) is the lower-risk stock at 0. 04β versus HarborOne Bancorp, Inc. 's 1. 05β — meaning HONE is approximately 2877% more volatile than IROQ relative to the S&P 500. On balance sheet safety, IF Bancorp, Inc. (IROQ) carries a lower debt/equity ratio of 89% versus 90% for HarborOne Bancorp, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), HarborOne Bancorp, Inc.

(HONE) is pulling ahead at 10. 7% versus 6. 6% for IF Bancorp, Inc. (IROQ). On earnings-per-share growth, the picture is similar: IF Bancorp, Inc. grew EPS 140. 4% year-over-year, compared to 78. 4% for HarborOne Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

IF Bancorp, Inc.

(IROQ) is the more profitable company, earning 8. 9% net margin versus 8. 7% for HarborOne Bancorp, Inc. — meaning it keeps 8. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IROQ leads at 12. 2% versus 10. 9% for HONE. At the gross margin level — before operating expenses — IROQ leads at 54. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

All stocks in this comparison pay dividends.

HarborOne Bancorp, Inc. (HONE) offers the highest yield at 2. 6%, versus 1. 5% for IF Bancorp, Inc. (IROQ).

For long-horizon retirement investors, IF Bancorp, Inc.

(IROQ) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 04), 1. 5% yield). Both have compounded well over 10 years (IROQ: +55. 3%, HONE: +88. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.