IROQ vs KRNY

For growth investors, IF Bancorp, Inc.

(IROQ) is the stronger pick with 6. 6% revenue growth year-over-year, versus 5. 1% for Kearny Financial Corp. (KRNY). Kearny Financial Corp. (KRNY) offers the better valuation at 19. 3x trailing P/E (13. 0x forward), making it the more compelling value choice. Analysts rate Kearny Financial Corp. (KRNY) a "Hold" — based on 5 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, Kearny Financial Corp.

(KRNY) is the cheapest at 19. 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 -20. 3% for Kearny Financial Corp. (KRNY). Over 10 years, the gap is even starker: IROQ returned +55. 3% versus KRNY's -7. 0%. 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 Kearny Financial Corp. 's 0. 83β — meaning KRNY is approximately 2268% 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 168% for Kearny Financial Corp. — giving it more financial flexibility in a downturn.

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

(IROQ) is pulling ahead at 6. 6% versus 5. 1% for Kearny Financial Corp. (KRNY). On earnings-per-share growth, the picture is similar: IF Bancorp, Inc. grew EPS 140. 4% year-over-year, compared to 130. 2% for Kearny Financial Corp.. 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 7. 6% for Kearny Financial Corp. — 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 9. 0% for KRNY. 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.

Kearny Financial Corp. (KRNY) offers the highest yield at 5. 4%, 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%, KRNY: -7. 0%), 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.

In terms of investment character: IROQ is a small-cap quality compounder stock; KRNY is a small-cap income-oriented stock. 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.