IROQ Financial Statements From 2010 to 2026

IROQ Stock  USD 26.60  0.15  0.56%   
Analyzing historical trends in various income statement and balance sheet accounts from IF Bancorp's financial statements helps investors evaluate the company's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting IF Bancorp's valuation are summarized below:
Gross Profit
28 M
Profit Margin
0.181
Market Capitalization
89.2 M
Enterprise Value Revenue
5.9323
Revenue
28 M
There are currently one hundred twenty fundamental measures for IF Bancorp that can be evaluated and compared over time across peers in the sector. Investors and active traders are advised to confirm IF Bancorp's latest fundamental performance against the performance between 2010 and 2026 to make sure the trends are evolving in the right direction. As of 01/08/2026, Market Cap is likely to drop to about 72.4 M. In addition to that, Enterprise Value is likely to drop to about 114 M

IF Bancorp Total Revenue

30.56 Million

Check IF Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among IF Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 548.4 K, Interest Expense of 27.3 M or Selling General Administrative of 11.3 M, as well as many indicators such as Price To Sales Ratio of 2.6, Dividend Yield of 0.011 or PTB Ratio of 1.01. IROQ financial statements analysis is a perfect complement when working with IF Bancorp Valuation or Volatility modules.
  
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IF Bancorp Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets712.1 MB696.6 M
Slightly volatile
Short and Long Term Debt Total55.6 M83.9 M56.1 M
Very volatile
Other Current Liabilities566.5 M801.5 M550.5 M
Slightly volatile
Total Current Liabilities573.4 M831.6 M558.9 M
Slightly volatile
Total Stockholder Equity80.2 M94.1 M78.7 M
Slightly volatile
Other Liabilities6.8 MM6.7 M
Slightly volatile
Property Plant And Equipment NetM11.7 M7.9 M
Slightly volatile
Retained Earnings41.8 M53.9 M39.4 M
Slightly volatile
Accounts Payable2.2 M2.1 M795.8 K
Slightly volatile
Cash27.7 M23.1 M24.2 M
Slightly volatile
Non Current Assets Total538.1 MB532.4 M
Slightly volatile
Non Currrent Assets Other1.1 BB187.4 M
Slightly volatile
Long Term Debt36.8 M67 M38.8 M
Slightly volatile
Cash And Short Term Investments5.4 M5.7 M153.3 M
Pretty Stable
Net Receivables2.3 M4.1 M2.2 M
Slightly volatile
Common Stock Shares OutstandingM2.8 M3.6 M
Slightly volatile
Short Term Investments155.7 M219 M165.9 M
Slightly volatile
Liabilities And Stockholders Equity712.1 MB696.6 M
Slightly volatile
Non Current Liabilities Total973 M926.7 M204.3 M
Slightly volatile
Total Liabilities631.9 M926.7 M617.9 M
Slightly volatile
Property Plant And Equipment Gross23.9 M22.7 M11.7 M
Slightly volatile
Total Current Assets3.9 M4.1 M154.6 M
Pretty Stable
Intangible Assets843.1 K1.6 M879.5 K
Slightly volatile
Property Plant Equipment7.5 M12.8 M8.1 M
Slightly volatile
Net Tangible Assets65 M64.6 M78.5 M
Slightly volatile
Common Stock Total Equity31.8 K28.8 K37.3 K
Slightly volatile
Capital Surpluse52.6 M57.1 M49 M
Slightly volatile
Other Stockholder Equity51.2 M60.2 M47.4 M
Slightly volatile
Long Term Investments176.8 M171.4 M215.9 M
Slightly volatile
Common Stock30.2 K29.7 K37.4 K
Slightly volatile
Short Term Debt29.3 M27.9 M9.3 M
Slightly volatile
Earning Assets112.8 M136.9 M151.5 M
Slightly volatile
Net Invested Capital93.7 M118.9 M123.9 M
Slightly volatile
Capital Stock26.4 K29.7 K33.8 K
Slightly volatile

IF Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization548.4 K714.1 K535.6 K
Slightly volatile
Interest Expense27.3 M26 M9.9 M
Slightly volatile
Selling General Administrative11.3 M16 M11.1 M
Slightly volatile
Selling And Marketing Expenses427.7 K439.3 K406.2 K
Slightly volatile
Total Revenue30.6 M55.6 M30.3 M
Slightly volatile
Gross Profit22.3 M30.4 M21.8 M
Slightly volatile
Other Operating Expenses24.9 M48.8 M25 M
Slightly volatile
Operating Income5.6 M6.8 M5.4 M
Slightly volatile
EBIT5.6 M6.8 M5.4 M
Slightly volatile
EBITDA6.2 M7.5 M5.9 M
Slightly volatile
Cost Of Revenue26.4 M25.2 M10.2 M
Slightly volatile
Income Before Tax5.6 M6.8 M5.4 M
Slightly volatile
Net Income Applicable To Common Shares3.9 M5.4 M3.9 M
Slightly volatile
Net Income3.8 M4.9 M3.6 M
Slightly volatile
Income Tax Expense1.8 M1.9 M1.7 M
Very volatile
Net Income From Continuing OpsM4.9 M3.6 M
Slightly volatile
Tax Provision1.4 M1.5 M1.8 M
Slightly volatile
Net Interest Income20.6 M23.4 M18.4 M
Slightly volatile
Interest Income30.1 M49.4 M26.9 M
Slightly volatile
Reconciled Depreciation660 K714.1 K512.8 K
Slightly volatile

IF Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation519.8 K547.2 K1.8 M
Slightly volatile
Begin Period Cash Flow10.5 M11 M23.4 M
Pretty Stable
Depreciation548.4 K714.1 K535.6 K
Slightly volatile
Capital Expenditures264.4 K278.3 K876 K
Very volatile
Total Cash From Operating Activities5.9 M7.8 M5.7 M
Pretty Stable
Net Income3.8 M4.9 M3.6 M
Slightly volatile
End Period Cash Flow26.6 M23.1 M23.2 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.61.92.336
Slightly volatile
Dividend Yield0.0110.01450.0123
Slightly volatile
PTB Ratio1.011.120.8825
Pretty Stable
Days Sales Outstanding29.4330.7626.8544
Pretty Stable
Book Value Per Share16.222.4821.5211
Slightly volatile
Operating Cash Flow Per Share1.181.861.5647
Pretty Stable
Stock Based Compensation To Revenue0.02050.01450.018
Very volatile
Capex To Depreciation0.430.451.8531
Pretty Stable
PB Ratio1.011.120.8825
Pretty Stable
EV To Sales3.673.153.5207
Slightly volatile
ROIC0.02310.02010.0265
Pretty Stable
Net Income Per Share0.781.181.0151
Slightly volatile
Payables Turnover12.8613.5338.2448
Slightly volatile
Sales General And Administrative To Revenue0.30.260.3625
Slightly volatile
Capex To Revenue0.00430.00450.0313
Pretty Stable
Cash Per Share5.245.5244.4498
Very volatile
POCF Ratio14.5913.5712.7446
Pretty Stable
Interest Coverage0.220.241.0508
Slightly volatile
Payout Ratio0.20.270.2283
Slightly volatile
Capex To Operating Cash Flow0.03060.03220.1864
Very volatile
Days Payables Outstanding14.2827.9119.3336
Slightly volatile
Income Quality1.871.811.7622
Slightly volatile
ROE0.0550.06050.0484
Slightly volatile
EV To Operating Cash Flow15.5617.6519.1997
Very volatile
PE Ratio23.2821.3121.5355
Pretty Stable
Return On Tangible Assets0.0060.00560.0054
Very volatile
Earnings Yield0.0450.04860.0556
Slightly volatile
Intangibles To Total Assets9.0E-40.00140.0012
Slightly volatile
Current Ratio0.00540.00560.2997
Slightly volatile
Tangible Book Value Per Share16.0222.0921.27
Slightly volatile
Receivables Turnover11.0512.2813.7088
Very volatile
Graham Number16.5224.4621.7849
Slightly volatile
Shareholders Equity Per Share16.222.4821.5211
Slightly volatile
Debt To Equity0.761.020.7228
Pretty Stable
Capex Per Share0.06320.06650.2422
Very volatile
Revenue Per Share13.9513.299.0457
Slightly volatile
Interest Debt Per Share27.5526.2418.2548
Slightly volatile
Debt To Assets0.090.09450.0866
Slightly volatile
Enterprise Value Over EBITDA20.1723.3219.7896
Pretty Stable
Short Term Coverage Ratios0.30.321.6474
Slightly volatile
Price Earnings Ratio23.2821.3121.5355
Pretty Stable
Operating Cycle29.4330.7626.8544
Pretty Stable
Price Book Value Ratio1.011.120.8825
Pretty Stable
Days Of Payables Outstanding14.2827.9119.3336
Slightly volatile
Dividend Payout Ratio0.20.270.2283
Slightly volatile
Price To Operating Cash Flows Ratio14.5913.5712.7446
Pretty Stable
Pretax Profit Margin0.210.140.1868
Pretty Stable
Operating Profit Margin0.210.140.1868
Pretty Stable
Effective Tax Rate0.360.310.3276
Slightly volatile
Company Equity Multiplier7.379.768.8454
Slightly volatile
Long Term Debt To Capitalization0.410.430.372
Slightly volatile
Total Debt To Capitalization0.440.540.41
Pretty Stable
Return On Capital Employed0.0490.04140.0424
Pretty Stable
Debt Equity Ratio0.761.020.7228
Pretty Stable
Ebit Per Revenue0.210.140.1868
Pretty Stable
Quick Ratio0.00540.00560.2997
Slightly volatile
Dividend Paid And Capex Coverage Ratio6.945.095.7017
Slightly volatile
Net Income Per E B T0.540.650.6641
Pretty Stable
Cash Ratio0.03620.0250.0396
Pretty Stable
Operating Cash Flow Sales Ratio0.220.160.2032
Slightly volatile
Days Of Sales Outstanding29.4330.7626.8544
Pretty Stable
Cash Flow Coverage Ratios0.10.08340.1221
Pretty Stable
Price To Book Ratio1.011.120.8825
Pretty Stable
Fixed Asset Turnover4.594.934.1327
Slightly volatile
Capital Expenditure Coverage Ratio12.8625.1416.9998
Pretty Stable
Price Cash Flow Ratio14.5913.5712.7446
Pretty Stable
Enterprise Value Multiple20.1723.3219.7896
Pretty Stable
Debt Ratio0.090.09450.0866
Slightly volatile
Cash Flow To Debt Ratio0.10.08340.1221
Pretty Stable
Price Sales Ratio2.61.92.336
Slightly volatile
Return On Assets0.0060.00560.0054
Pretty Stable
Asset Turnover0.04860.06270.045
Slightly volatile
Net Profit Margin0.140.10.1251
Pretty Stable
Gross Profit Margin0.80.630.7396
Slightly volatile
Price Fair Value1.011.120.8825
Pretty Stable
Return On Equity0.0550.06050.0484
Slightly volatile

IF Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap72.4 M91.7 M66.1 M
Pretty Stable
Enterprise Value114 M152.5 M106 M
Pretty Stable

IROQ Fundamental Market Drivers

IROQ Upcoming Events

26th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About IF Bancorp Financial Statements

IF Bancorp shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although IF Bancorp investors may analyze each financial statement separately, they are all interrelated. The changes in IF Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses on on IF Bancorp's income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-58.7 M-61.6 M
Total Revenue55.6 M30.6 M
Cost Of Revenue25.2 M26.4 M
Stock Based Compensation To Revenue 0.01  0.02 
Sales General And Administrative To Revenue 0.26  0.30 
Revenue Per Share 13.29  13.95 
Ebit Per Revenue 0.14  0.21 

Pair Trading with IF Bancorp

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if IF Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in IF Bancorp will appreciate offsetting losses from the drop in the long position's value.

Moving together with IROQ Stock

  0.81BIRG Bank of IrelandPairCorr
  0.87EBMT Eagle Bancorp MontanaPairCorr
  0.86FCAP First Capital Downward RallyPairCorr

Moving against IROQ Stock

  0.85LDI LoandepotPairCorr
  0.84601658 Postal Savings BankPairCorr
The ability to find closely correlated positions to IF Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace IF Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back IF Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling IF Bancorp to buy it.
The correlation of IF Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as IF Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if IF Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for IF Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Additional Tools for IROQ Stock Analysis

When running IF Bancorp's price analysis, check to measure IF Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy IF Bancorp is operating at the current time. Most of IF Bancorp's value examination focuses on studying past and present price action to predict the probability of IF Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move IF Bancorp's price. Additionally, you may evaluate how the addition of IF Bancorp to your portfolios can decrease your overall portfolio volatility.