A Business at a Glance
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IF Bancorp, Inc.
IROQ
$78M
Mkt Cap
IF Bancorp, Inc. (IROQ) has a current P/E ratio of 20.4, compared to its historical median P/E of 16.5. The stock is currently considered Fair based on its historical valuation range.
IF Bancorp, Inc. (IROQ) has a 5-year average return on invested capital (ROIC) of 5.6%. This is below average and may indicate limited pricing power.
IF Bancorp, Inc. (IROQ) has a market capitalization of $94M. It is classified as a small-cap stock.
Yes, IF Bancorp, Inc. (IROQ) pays a dividend with a trailing twelve-month yield of 1.43%.
Based on historical P/E analysis, IF Bancorp, Inc. (IROQ) appears fair. The current P/E of 20.4 is 24% above its historical median of 16.5. The estimated fair value CAGR (P/E method) is 2.1%.
IF Bancorp, Inc. (IROQ) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
IF Bancorp, Inc. (IROQ) reported annual revenue of $48 million in its most recent fiscal year, based on SEC EDGAR filings.
IF Bancorp, Inc. operates in the Savings Institution, Federally Chartered industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 28M | 48M | 45M | 36M | 30M | 31M |
| Net Income | 5.2M | 4.3M | 1.8M | 4.7M | 5.8M | 5.3M |
| EPS | $1.54 | $1.37 | $0.57 | $1.46 | $1.84 | $1.74 |
| Free Cash Flow | 5.8M | 6.5M | 2.0M | 516K | 8.3M | 6.6M |
| ROIC | 5.0% | 5.5% | 2.5% | 6.5% | 7.4% | 6.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.19 | 9.85 | 11.01 | 10.83 | 0.00 | 0.04 |
| Dividends/Share | $0.00 | $0.40 | $0.40 | $0.40 | $0.35 | $0.30 |
| Operating Income | 1.3M | 1.7M | 1.2M | 1.3M | 1.5M | 1.0M |
| Operating Margin | 4.8% | 3.4% | 2.7% | 3.5% | 4.9% | 3.4% |
| ROE | 5.9% | 5.5% | 2.5% | 6.5% | 7.4% | 6.4% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 22M | 22M | 24M | 26M | 27M | 31M | 32M | 31M | 30M | 36M | 45M | 48M | 28M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 8.3M | 8.5M | 9.0M | 9.5M | 9.7M | 11M | 11M | 12M | 13M | 13M | 12M | 13M | 13M |
| EBIT | 607K | 692K | 785K | 752K | 896K | 1.0M | 1.1M | 1.0M | 1.5M | 1.3M | 1.2M | 1.7M | 1.3M |
| Op. Margin | 2.8% | 3.1% | 3.2% | 2.9% | 3.3% | 3.3% | 3.5% | 3.4% | 4.9% | 3.5% | 2.7% | 3.4% | 4.8% |
| Net Income | 3.5M | 3.3M | 3.6M | 3.9M | 1.7M | 3.6M | 4.2M | 5.3M | 5.8M | 4.7M | 1.8M | 4.3M | 5.2M |
| Net Margin | 15.8% | 14.7% | 14.6% | 15.0% | 6.5% | 11.5% | 13.4% | 17.5% | 19.1% | 12.9% | 3.9% | 8.9% | 18.5% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 4.2% | 4.0% | 4.3% | 4.7% | 2.1% | 4.3% | 5.1% | 6.4% | 7.4% | 6.5% | 2.5% | 5.5% | 5.0% |
| ROE | 4.2% | 4.0% | 4.3% | 4.7% | 2.1% | 4.3% | 5.1% | 6.4% | 7.4% | 6.5% | 2.5% | 5.5% | 5.9% |
| ROA | 0.6% | 0.6% | 0.6% | 0.7% | 0.3% | 0.5% | 0.6% | 0.7% | 0.7% | 0.5% | 0.2% | 0.5% | 0.6% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 6.5M | 5.3M | 5.3M | 6.1M | 4.8M | 5.8M | 6.9M | 6.9M | 8.7M | 2.8M | 2.3M | 6.8M | 6.0M |
| Free Cash Flow | 5.3M | 5.2M | 5.1M | 4.5M | -16K | 4.7M | 6.7M | 6.6M | 8.3M | 516K | 2.0M | 6.5M | 5.8M |
| Owner Earnings | 6.0M | 4.7M | 4.6M | 5.6M | 4.1M | 4.9M | 6.0M | 6.0M | 7.8M | 1.8M | 1.4M | 6.0M | -3.9M |
| CapEx | 1.2M | 106K | 214K | 1.7M | 4.9M | 1.1M | 158K | 279K | 387K | 2.3M | 247K | 242K | 209K |
| Maint. CapEx | 418K | 430K | 428K | 324K | 468K | 628K | 671K | 679K | 675K | 663K | 671K | 621K | 9.8M |
| Growth CapEx | 831K | 0 | 0 | 1.4M | 4.4M | 480K | 0 | 0 | 0 | 1.6M | 0 | 0 | 0 |
| D&A | 418K | 430K | 428K | 324K | 468K | 628K | 671K | 679K | 675K | 663K | 671K | 621K | 9.8M |
| CapEx/OCF | 19.2% | 2.0% | 4.0% | 27.4% | 100.3% | 19.1% | 2.3% | 4.1% | 4.5% | 81.3% | 10.8% | 3.6% | 3.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 415K | 403K | 484K | 589K | 730K | 868K | 939K | 909K | 1.1M | 1.3M | 1.3M | 1.3M | 0 |
| Dividend Yield | 0.7% | 0.7% | 0.9% | 1.0% | 1.1% | 1.3% | 1.6% | 1.7% | 1.6% | 2.4% | 2.7% | 1.9% | N/A |
| Share Buybacks | 4.6M | 5.0M | 1.4M | 1.4M | 1.4M | 6.2M | 7.5M | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 8.1% | 8.8% | 2.4% | 2.2% | 1.8% | 9.6% | 15.3% | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 119K | 203K | 330K | 226K | 225K | 225K | 223K | 193K | 156K | 327K | 260K | 187K | 185K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -131M | -125M | -101M | -38M | -34M | -80M | -44M | -250M | -297M | N/A | N/A | N/A | -177M |
| Cash & Equiv. | 13M | 13M | 6.4M | 7.8M | 4.8M | 60M | 33M | 63M | 76M | 11M | 9.6M | 20M | 194M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17M |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.04 | 0.00 | 10.83 | 11.01 | 9.85 | 0.19 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 82M | 80M | 84M | 84M | 82M | 82M | 83M | 85M | 72M | 72M | 74M | 82M | 87M |
| Total Assets | 551M | 564M | 596M | 585M | 639M | 724M | 736M | 797M | 858M | 849M | 888M | 888M | 830M |
| Total Liabilities | 469M | 483M | 512M | 502M | 557M | 641M | 653M | 712M | 786M | 777M | 814M | 806M | 743M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 38M | 35M | 37M | 39M | 39M | 35M | 31M | 36M | 40M | 43M | 44M | 47M | 49M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.84 | 0.83 | 0.95 | 1.06 | 0.47 | 1.01 | 1.35 | 1.74 | 1.84 | 1.46 | 0.57 | 1.37 | 1.54 |
| Owner EPS | 1.44 | 1.19 | 1.22 | 1.51 | 1.12 | 1.40 | 1.91 | 1.95 | 2.49 | 0.56 | 0.43 | 1.89 | -1.18 |
| Book Value | 19.83 | 20.39 | 22.37 | 22.71 | 22.09 | 23.41 | 26.26 | 27.76 | 22.80 | 22.48 | 23.54 | 26.05 | 26.07 |
| Cash Flow/Share | 1.57 | 1.35 | 1.42 | 1.66 | 1.31 | 1.65 | 2.19 | 2.23 | 2.76 | 0.87 | 0.73 | 2.15 | 4.46 |
| Dividends/Share | 0.10 | 0.10 | 0.13 | 0.16 | 0.20 | 0.25 | 0.30 | 0.30 | 0.35 | 0.40 | 0.40 | 0.40 | 0.00 |
| Shares Out. | 4.1M | 3.9M | 3.8M | 3.7M | 3.7M | 3.5M | 3.1M | 3.1M | 3.1M | 3.2M | 3.1M | 3.1M | 3.4M |
| Valuation | |||||||||||||
| P/E Ratio | 16.5 | 17.2 | 16.8 | 16.1 | 45.2 | 18.3 | 11.5 | 12.1 | 9.6 | 9.8 | 27.7 | 18.1 | 18.1 |
| P/FCF | 10.9 | 10.8 | 11.7 | 14.1 | N/A | 13.9 | 7.2 | 9.8 | 6.7 | 88.2 | 24.3 | 12.0 | 16.2 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -62.4 |
| Price/Book | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.1 |
| Price/Sales | 3.0 | 3.0 | 2.7 | 2.7 | 3.0 | 3.1 | 2.5 | 2.1 | 2.4 | 2.0 | 2.1 | 2.6 | 3.4 |
| FCF Yield | 9.2% | 9.3% | 8.5% | 7.1% | -0.0% | 7.2% | 13.8% | 10.2% | 15.0% | 1.1% | 4.1% | 8.4% | 6.2% |
| Market Cap | 57M | 56M | 60M | 63M | 79M | 65M | 49M | 65M | 55M | 46M | 50M | 78M | 94M |
| Avg. Price | 13.72 | 14.26 | 15.17 | 16.63 | 17.53 | 19.16 | 18.11 | 17.80 | 21.31 | 16.36 | 15.12 | 21.43 | 28.00 |
| Year-End Price | 13.85 | 14.26 | 16.00 | 17.02 | 21.23 | 18.48 | 15.51 | 21.04 | 17.62 | 14.26 | 15.76 | 24.81 | 28.00 |
IF Bancorp, Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
IF Bancorp, Inc. trades at 20.4x trailing earnings, compared to its 15-year median P/E of 16.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 13.5x vs a median of 12.0x. The company's 5-year average ROIC is 5.6%. Total shareholder yield (dividends) is 1.4%. At current prices, the estimated annualized return to fair value is -1.0%.
IF Bancorp, Inc. (IROQ) has a net profit margin of 8.9%. This is a modest margin.
IF Bancorp, Inc. (IROQ) generated $7 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
IF Bancorp, Inc. (IROQ) has a debt-to-equity ratio of 9.85. This indicates higher leverage, which may increase financial risk.
IF Bancorp, Inc. (IROQ) reported earnings per share (EPS) of $1.37 in its most recent fiscal year.
IF Bancorp, Inc. (IROQ) has a return on equity (ROE) of 5.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for IF Bancorp, Inc. (IROQ), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
IF Bancorp, Inc. (IROQ) has a book value per share of $26.05, based on its most recent annual SEC filing.