IROQ Financial Statements From 2010 to 2024

IROQ Stock  USD 21.30  0.12  0.57%   
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
26.3 M
Profit Margin
0.0872
Market Capitalization
68.6 M
Enterprise Value Revenue
7.8348
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 2024 to make sure the trends are evolving in the right direction. As of 11/25/2024, Market Cap is likely to grow to about 71.1 M. Also, Enterprise Value is likely to grow to about 107.7 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 24.4 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 0.0257 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 M887.7 M661.2 M
Slightly volatile
Short and Long Term Debt Total35.9 M58.2 M47.3 M
Slightly volatile
Total Stockholder Equity79.6 M73.9 M77.4 M
Pretty Stable
Other Liabilities6.8 MM6.6 M
Slightly volatile
Property Plant And Equipment Net7.8 M10.6 M7.5 M
Slightly volatile
Retained Earnings41.2 M43.9 M37.9 M
Slightly volatile
Accounts Payable3.2 MM696 K
Slightly volatile
Cash9.3 M9.8 M22.2 M
Slightly volatile
Non Current Assets Total193.6 M202.5 M178.9 M
Slightly volatile
Other Assets712.2 M679 M656.7 M
Very volatile
Long Term Debt36.8 M58.2 M35.6 M
Pretty Stable
Cash And Short Term Investments5.9 M6.2 M131.1 M
Very volatile
Net Receivables2.2 M3.5 MM
Slightly volatile
Common Stock Shares OutstandingM3.1 M3.6 M
Slightly volatile
Short Term Investments140.3 M190.5 M144.8 M
Slightly volatile
Liabilities And Stockholders Equity695.6 M887.7 M661.2 M
Slightly volatile
Non Current Liabilities Total854.5 M813.8 M151.9 M
Slightly volatile
Total Liabilities616 M813.8 M583.8 M
Slightly volatile
Property Plant And Equipment Gross20.8 M19.8 M10.2 M
Slightly volatile
Total Current Assets5.9 M6.2 M291.3 M
Slightly volatile
Intangible Assets797.6 K1.5 M788.9 K
Slightly volatile
Property Plant Equipment7.5 M12.8 M7.7 M
Slightly volatile
Net Tangible Assets65 M64.6 M79.4 M
Slightly volatile
Common Stock Total Equity31.8 K28.8 K38 K
Slightly volatile
Capital Surpluse52.6 M57.1 M48.9 M
Slightly volatile
Other Stockholder Equity51.3 M51.9 M46.7 M
Slightly volatile
Long Term Investments176.8 M190.5 M220.6 M
Slightly volatile
Common Stock31.4 K33 K4.2 M
Slightly volatile
Earning Assets112.8 M136.9 M151.4 M
Slightly volatile
Net Invested Capital93.7 M132.2 M123.7 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 K671 K517.5 K
Slightly volatile
Interest Expense24.4 M23.3 M7.7 M
Slightly volatile
Selling General Administrative11.4 M12.8 M10.8 M
Slightly volatile
Selling And Marketing Expenses428.2 K409 K405.6 K
Slightly volatile
Total Revenue22.7 M22.1 M21.5 M
Slightly volatile
Gross Profit22.7 M22.1 M21.5 M
Slightly volatile
Other Operating Expenses45.2 M43 M13.3 M
Slightly volatile
Operating Income2.2 M2.4 MM
Slightly volatile
EBIT2.2 M2.4 M7.9 M
Slightly volatile
EBITDA2.9 MM8.4 M
Slightly volatile
Income Before Tax2.2 M2.4 MM
Very volatile
Net Income Applicable To Common Shares3.9 M5.4 M3.8 M
Slightly volatile
Net Income1.7 M1.8 M3.4 M
Pretty Stable
Income Tax Expense536.8 K565 K1.6 M
Pretty Stable
Net Income From Continuing Ops1.7 M1.8 M3.3 M
Slightly volatile
Tax Provision536.8 K565 K1.7 M
Slightly volatile
Net Interest Income20.4 M17.4 M17.9 M
Slightly volatile
Interest Income28.4 M40.6 M24.2 M
Slightly volatile
Reconciled Depreciation657.1 K671 K492 K
Slightly volatile

IF Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation534.9 K563 KM
Slightly volatile
Begin Period Cash Flow10.4 M11 M25.1 M
Slightly volatile
Depreciation540 K671 K517.5 K
Slightly volatile
Capital Expenditures234.7 K247 K956.2 K
Very volatile
Total Cash From Operating Activities2.2 M2.3 M5.3 M
Pretty Stable
Net Income1.7 M1.8 M3.4 M
Pretty Stable
End Period Cash Flow9.1 M9.6 M22.2 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.412.36873.0768
Slightly volatile
Dividend Yield0.02570.02450.0129
Slightly volatile
PTB Ratio1.00.70770.8599
Slightly volatile
Days Sales Outstanding38.130.5831.7046
Slightly volatile
Book Value Per Share15.9623.599121.2106
Slightly volatile
Operating Cash Flow Per Share1.150.72891.5097
Pretty Stable
Stock Based Compensation To Revenue0.01930.02550.023
Slightly volatile
Capex To Depreciation0.350.36812.0389
Very volatile
PB Ratio1.00.70770.8599
Slightly volatile
ROIC0.01290.01350.0481
Pretty Stable
Net Income Per Share0.760.57150.9828
Slightly volatile
Payables Turnover0.140.150.5864
Slightly volatile
Sales General And Administrative To Revenue0.40.58060.4976
Pretty Stable
Capex To Revenue0.01060.01120.0446
Very volatile
Cash Per Share34.8862.789447.8315
Slightly volatile
POCF Ratio14.6922.911512.7593
Pretty Stable
Interest Coverage0.09620.10131.8159
Slightly volatile
Payout Ratio0.750.71450.2575
Slightly volatile
Capex To Operating Cash Flow0.170.10820.216
Pretty Stable
Days Payables Outstanding2.7 K2.6 K1.9 K
Slightly volatile
Income Quality1.871.27541.7718
Slightly volatile
ROE0.0230.02420.0452
Very volatile
PE Ratio23.4529.221821.7619
Pretty Stable
Return On Tangible Assets0.00190.0020.0051
Slightly volatile
Earnings Yield0.04520.03420.0562
Slightly volatile
Intangibles To Total Assets8.0E-40.00170.0011
Slightly volatile
Current Ratio7.217.583.2 K
Slightly volatile
Tangible Book Value Per Share15.7923.123120.9817
Slightly volatile
Receivables Turnover8.7412.3511.8671
Slightly volatile
Graham Number16.1917.419821.2253
Slightly volatile
Shareholders Equity Per Share15.9623.599121.2106
Slightly volatile
Debt To Equity0.680.7880.6286
Slightly volatile
Capex Per Share0.07490.07890.2659
Very volatile
Revenue Per Share4.617.05045.991
Slightly volatile
Interest Debt Per Share27.3226.021715.6232
Pretty Stable
Debt To Assets0.08340.06560.0801
Slightly volatile
Short Term Coverage Ratios2.522.632.3336
Slightly volatile
Price Earnings Ratio23.4529.221821.7619
Pretty Stable
Price Book Value Ratio1.00.70770.8599
Slightly volatile
Days Of Payables Outstanding2.7 K2.6 K1.9 K
Slightly volatile
Dividend Payout Ratio0.750.71450.2575
Slightly volatile
Price To Operating Cash Flows Ratio14.6922.911512.7593
Pretty Stable
Pretax Profit Margin0.10.10660.2329
Slightly volatile
Ebt Per Ebit0.420.680.582
Slightly volatile
Operating Profit Margin0.10.10660.3967
Slightly volatile
Effective Tax Rate0.360.23990.3325
Slightly volatile
Company Equity Multiplier7.2812.01028.645
Slightly volatile
Long Term Debt To Capitalization0.40.44070.3675
Slightly volatile
Total Debt To Capitalization0.410.44070.3707
Slightly volatile
Return On Capital Employed0.00250.00270.0132
Slightly volatile
Debt Equity Ratio0.680.7880.6286
Slightly volatile
Ebit Per Revenue0.10.10660.3967
Slightly volatile
Quick Ratio18.919.893.2 K
Slightly volatile
Dividend Paid And Capex Coverage Ratio1.421.49615.4596
Slightly volatile
Net Income Per E B T0.540.76010.6609
Pretty Stable
Cash Ratio7.217.58103
Pretty Stable
Operating Cash Flow Sales Ratio0.09820.10340.2502
Slightly volatile
Days Of Sales Outstanding38.130.5831.7046
Slightly volatile
Cash Flow Coverage Ratios0.03720.03920.1481
Pretty Stable
Price To Book Ratio1.00.70770.8599
Slightly volatile
Fixed Asset Turnover3.552.08723.1827
Slightly volatile
Capital Expenditure Coverage Ratio12.269.242915.6879
Very volatile
Price Cash Flow Ratio14.6922.911512.7593
Pretty Stable
Debt Ratio0.08340.06560.0801
Slightly volatile
Cash Flow To Debt Ratio0.03720.03920.1481
Pretty Stable
Price Sales Ratio3.412.36873.0768
Slightly volatile
Return On Assets0.00190.0020.0051
Slightly volatile
Asset Turnover0.03650.02490.0332
Slightly volatile
Net Profit Margin0.0770.08110.1559
Pretty Stable
Gross Profit Margin0.790.90.9771
Slightly volatile
Price Fair Value1.00.70770.8599
Slightly volatile
Return On Equity0.0230.02420.0452
Very volatile
Operating Cycle35.7235.3532.068
Pretty Stable

IF Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap71.1 M52.3 M63.4 M
Pretty Stable
Enterprise Value107.7 M104.4 M97.5 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-51 M-53.6 M
Total Revenue22.1 M22.7 M
Stock Based Compensation To Revenue 0.03  0.02 
Sales General And Administrative To Revenue 0.58  0.40 
Capex To Revenue 0.01  0.01 
Revenue Per Share 7.05  4.61 
Ebit Per Revenue 0.11  0.10 

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

  0.52WF Woori Financial GroupPairCorr
  0.44TFC-PO Truist FinancialPairCorr
  0.34TFC-PI Truist FinancialPairCorr
  0.33TFC-PR Truist FinancialPairCorr
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.