IROQ Financial Statements From 2010 to 2025

IROQ Stock  USD 24.53  0.74  3.11%   
IF Bancorp financial statements provide useful quarterly and yearly information to potential IF Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on IF Bancorp financial statements helps investors assess IF Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting IF Bancorp's valuation are summarized below:
Gross Profit
22.4 M
Profit Margin
0.0872
Market Capitalization
79.1 M
Enterprise Value Revenue
8.2952
Revenue
22.4 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 2025 to make sure the trends are evolving in the right direction. As of 01/18/2025, Market Cap is likely to grow to about 71.1 M, while Enterprise Value is likely to drop slightly above 107.4 M.

IF Bancorp Total Revenue

22.75 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 540 K, Interest Expense of 28.1 M or Selling General Administrative of 11.4 M, as well as many indicators such as Price To Sales Ratio of 3.41, Dividend Yield of 0.0231 or PTB Ratio of 1.0. IROQ financial statements analysis is a perfect complement when working with IF Bancorp Valuation or Volatility modules.
  
Check out the analysis of IF Bancorp Correlation against competitors.
To learn how to invest in IROQ Stock, please use our How to Invest in IF Bancorp guide.

IF Bancorp Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets695.6 MB683.7 M
Slightly volatile
Short and Long Term Debt Total35.9 M52.4 M47.6 M
Slightly volatile
Total Stockholder Equity79.6 M85 M77.9 M
Pretty Stable
Other Liabilities6.8 MM6.7 M
Slightly volatile
Property Plant And Equipment Net7.8 M12.2 M7.8 M
Slightly volatile
Retained Earnings41.2 M50.5 M38.7 M
Slightly volatile
Accounts Payable3.6 M3.5 M898.4 K
Slightly volatile
Cash10.5 M11 M21.6 M
Pretty Stable
Non Current Assets Total1.1 BB326.8 M
Slightly volatile
Other Assets4.7 M4.9 M529.7 M
Slightly volatile
Long Term Debt36.8 M67 M37.5 M
Pretty Stable
Cash And Short Term Investments6.8 M7.1 M123.4 M
Pretty Stable
Net Receivables2.2 MM2.1 M
Slightly volatile
Common Stock Shares OutstandingM2.8 M3.6 M
Slightly volatile
Short Term Investments140.3 M219 M149.5 M
Slightly volatile
Liabilities And Stockholders Equity695.6 MB683.7 M
Slightly volatile
Non Current Liabilities Total976.2 M929.7 M207.8 M
Slightly volatile
Total Liabilities616 M935.9 M605.8 M
Slightly volatile
Property Plant And Equipment Gross23.9 M22.7 M11.2 M
Slightly volatile
Total Current Assets5.3 M5.6 M273.4 M
Slightly volatile
Intangible Assets1.8 M1.7 M909.5 K
Slightly volatile
Property Plant Equipment7.5 M12.8 M7.9 M
Slightly volatile
Net Tangible Assets65 M64.6 M78.9 M
Slightly volatile
Common Stock Total Equity31.8 K28.8 K37.6 K
Slightly volatile
Capital Surpluse52.6 M57.1 M48.9 M
Slightly volatile
Other Stockholder Equity51.3 M59.7 M47.5 M
Slightly volatile
Long Term Investments176.8 M171.4 M217.5 M
Slightly volatile
Common Stock36.1 K38 K3.9 M
Pretty Stable
Earning Assets112.8 M136.9 M151.5 M
Slightly volatile
Net Invested Capital93.7 M118.9 M123.4 M
Slightly volatile
Capital Stock26.4 K29.7 K33.9 K
Slightly volatile

IF Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization540 K771.6 K533.3 K
Slightly volatile
Interest Expense28.1 M26.7 M9.2 M
Slightly volatile
Selling General Administrative11.4 M14.7 M11.1 M
Slightly volatile
Selling And Marketing Expenses428.2 K470.4 K409.6 K
Slightly volatile
Total Revenue22.7 M25.4 M21.8 M
Slightly volatile
Gross Profit22.7 M25.4 M21.7 M
Slightly volatile
Other Operating Expenses9.6 M19.1 M9.8 M
Slightly volatile
Operating IncomeM2.1 M7.6 M
Slightly volatile
EBITM2.1 M7.5 M
Slightly volatile
EBITDA2.6 M2.7 MM
Slightly volatile
Income Before Tax2.6 M2.7 M4.9 M
Very volatile
Net Income Applicable To Common Shares3.9 M5.4 M3.8 M
Slightly volatile
Net Income3.7 M2.1 M3.4 M
Pretty Stable
Income Tax Expense617.3 K649.8 K1.6 M
Slightly volatile
Net Income From Continuing Ops3.9 M2.1 M3.4 M
Slightly volatile
Tax Provision483.1 K508.5 K1.6 M
Slightly volatile
Net Interest Income20.4 M20 M18 M
Slightly volatile
Interest Income28.4 M46.7 M25.6 M
Slightly volatile
Reconciled Depreciation657.1 K771.6 K509.5 K
Slightly volatile

IF Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation481.4 K506.7 K1.9 M
Slightly volatile
Begin Period Cash Flow12 M12.6 M24.4 M
Pretty Stable
Depreciation540 K771.6 K533.3 K
Slightly volatile
Capital Expenditures269.8 K284.1 K916.3 K
Very volatile
Total Cash From Operating Activities2.5 M2.6 M5.1 M
Slightly volatile
Net Income3.7 M2.1 M3.4 M
Pretty Stable
End Period Cash Flow10.5 M11 M21.6 M
Pretty Stable

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.412.723.0545
Slightly volatile
Dividend Yield0.02310.0220.0133
Slightly volatile
PTB Ratio1.00.810.8567
Slightly volatile
Days Sales Outstanding38.130.5831.3851
Slightly volatile
Book Value Per Share15.9621.2421.2124
Slightly volatile
Operating Cash Flow Per Share1.150.661.4566
Very volatile
Stock Based Compensation To Revenue0.01930.02290.023
Slightly volatile
Capex To Depreciation0.310.331.9296
Pretty Stable
PB Ratio1.00.810.8567
Slightly volatile
ROIC0.00220.00230.0108
Slightly volatile
Net Income Per Share0.760.510.9533
Slightly volatile
Payables Turnover0.140.150.5577
Slightly volatile
Sales General And Administrative To Revenue0.40.520.499
Pretty Stable
Capex To Revenue0.00960.01010.0424
Pretty Stable
Cash Per Share34.9457.4848.5057
Slightly volatile
POCF Ratio14.6926.3513.6087
Slightly volatile
Interest Coverage0.110.121.7108
Slightly volatile
Payout Ratio0.680.640.2771
Slightly volatile
Capex To Operating Cash Flow0.170.09740.2086
Pretty Stable
Days Payables Outstanding2.7 K2.6 KK
Slightly volatile
Income Quality1.871.471.7529
Slightly volatile
ROE0.05490.02780.0461
Pretty Stable
PE Ratio23.4533.6122.5024
Pretty Stable
Return On Tangible Assets0.00220.00230.005
Slightly volatile
Earnings Yield0.04520.03080.0546
Pretty Stable
Intangibles To Total Assets8.0E-40.00150.0011
Slightly volatile
Current Ratio7.217.58K
Slightly volatile
Tangible Book Value Per Share15.7920.8120.971
Slightly volatile
Receivables Turnover8.7412.3511.9833
Slightly volatile
Graham Number16.1915.6820.8787
Slightly volatile
Shareholders Equity Per Share15.9621.2421.2124
Slightly volatile
Debt To Equity0.680.910.6462
Slightly volatile
Capex Per Share0.06740.0710.2533
Very volatile
Revenue Per Share4.616.356.0134
Slightly volatile
Interest Debt Per Share24.5923.4215.9399
Pretty Stable
Debt To Assets0.08380.07550.0798
Slightly volatile
Short Term Coverage Ratios2.522.632.3308
Slightly volatile
Price Earnings Ratio23.4533.6122.5024
Pretty Stable
Operating Cycle38.130.5831.3851
Slightly volatile
Price Book Value Ratio1.00.810.8567
Slightly volatile
Days Of Payables Outstanding2.7 K2.6 KK
Slightly volatile
Dividend Payout Ratio0.680.640.2771
Slightly volatile
Price To Operating Cash Flows Ratio14.6926.3513.6087
Slightly volatile
Pretax Profit Margin0.120.10660.2271
Slightly volatile
Ebt Per Ebit0.420.680.5929
Slightly volatile
Operating Profit Margin0.120.10660.3806
Slightly volatile
Effective Tax Rate0.360.280.3292
Slightly volatile
Company Equity Multiplier7.2810.818.7803
Slightly volatile
Long Term Debt To Capitalization0.40.510.3764
Slightly volatile
Total Debt To Capitalization0.410.510.3794
Slightly volatile
Return On Capital Employed0.00290.00310.0126
Slightly volatile
Debt Equity Ratio0.680.910.6462
Slightly volatile
Ebit Per Revenue0.120.10660.3806
Slightly volatile
Quick Ratio18.919.89K
Slightly volatile
Dividend Paid And Capex Coverage Ratio1.631.725.239
Slightly volatile
Net Income Per E B T0.540.680.6621
Pretty Stable
Cash Ratio7.217.5896.8067
Slightly volatile
Operating Cash Flow Sales Ratio0.110.120.2428
Slightly volatile
Days Of Sales Outstanding38.130.5831.3851
Slightly volatile
Cash Flow Coverage Ratios0.03350.03530.1408
Pretty Stable
Price To Book Ratio1.00.810.8567
Slightly volatile
Fixed Asset Turnover3.552.43.1338
Slightly volatile
Capital Expenditure Coverage Ratio12.268.3215.2274
Very volatile
Price Cash Flow Ratio14.6926.3513.6087
Slightly volatile
Debt Ratio0.08380.07550.0798
Slightly volatile
Cash Flow To Debt Ratio0.03350.03530.1408
Pretty Stable
Price Sales Ratio3.412.723.0545
Slightly volatile
Return On Assets0.00220.00230.005
Slightly volatile
Asset Turnover0.03650.02860.0329
Slightly volatile
Net Profit Margin0.180.09320.1584
Pretty Stable
Gross Profit Margin0.790.90.9784
Slightly volatile
Price Fair Value1.00.810.8567
Slightly volatile
Return On Equity0.05490.02780.0461
Pretty Stable

IF Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap71.1 M60.2 M63.2 M
Pretty Stable
Enterprise Value107.4 M116.1 M98.4 M
Slightly volatile

IROQ Fundamental Market Drivers

Cash And Short Term Investments6.2 M

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 Revenue25.4 M22.7 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.52  0.40 
Capex To Revenue 0.01  0.01 
Revenue Per Share 6.35  4.61 
Ebit Per Revenue 0.11  0.12 

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 against IROQ Stock

  0.8NU Nu Holdings Aggressive PushPairCorr
  0.79TFC-PO Truist FinancialPairCorr
  0.76CFG-PE Citizens FinancialPairCorr
  0.75TFC-PR Truist FinancialPairCorr
  0.74KB KB Financial GroupPairCorr
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.