What is If Bancorp Inc's earnings per share (EPS)?

If Bancorp Inc (IROQ) reported diluted earnings per share of $1.37 for fiscal year 2025. This represents a 140.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

If Bancorp Inc Financials

IROQ

Source SEC Filings (10-K/10-Q) Updated Feb 12, 2026 Currency USD FYE June

This page shows If Bancorp Inc (IROQ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

If Bancorp Inc's revenue grew 5.9% year-over-year to $43.4M, a solid pace of expansion. This earns a growth score of 43/100.

Leverage

If Bancorp Inc has elevated debt relative to equity (D/E of 9.85), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

If Bancorp Inc has a free cash flow margin of 15.0%, earning a moderate score of 63/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

If Bancorp Inc generates a 5.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is up from 2.4% the prior year.

Piotroski F-Score Neutral

6/9

If Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.57x

For every $1 of reported earnings, If Bancorp Inc generates $1.57 in operating cash flow ($6.8M OCF vs $4.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$43.4M

YoY+5.9%

5Y CAGR+10.0%

10Y CAGR+8.7%

If Bancorp Inc generated $43.4M in revenue in fiscal year 2025. This represents an increase of 5.9% from the prior year.

EBITDA

N/A

Net Income

$4.3M

YoY+140.4%

5Y CAGR+0.3%

10Y CAGR+2.8%

If Bancorp Inc reported $4.3M in net income in fiscal year 2025. This represents an increase of 140.4% from the prior year.

EPS (Diluted)

$1.37

YoY+140.4%

5Y CAGR+0.3%

10Y CAGR+5.1%

If Bancorp Inc earned $1.37 per diluted share (EPS) in fiscal year 2025. This represents an increase of 140.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$6.5M

YoY+220.2%

5Y CAGR-0.7%

10Y CAGR+2.2%

If Bancorp Inc generated $6.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 220.2% from the prior year.

Cash & Debt

$20.1M

YoY+109.9%

5Y CAGR-9.7%

10Y CAGR+4.3%

If Bancorp Inc held $20.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.40

YoY+0.0%

5Y CAGR+5.9%

10Y CAGR+14.9%

If Bancorp Inc paid $0.40 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY-0.0%

5Y CAGR+0.7%

10Y CAGR-1.9%

If Bancorp Inc had 3M shares outstanding in fiscal year 2025. This represents a decrease of 0.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

9.9%

YoY+5.5pp

5Y CAGR-5.8pp

10Y CAGR-7.4pp

If Bancorp Inc's net profit margin was 9.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.5 percentage points from the prior year.

Return on Equity

5.3%

YoY+2.8pp

5Y CAGR+0.1pp

10Y CAGR+1.2pp

If Bancorp Inc's ROE was 5.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$242K

YoY-2.0%

5Y CAGR+8.9%

10Y CAGR+8.6%

If Bancorp Inc invested $242K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 2.0% from the prior year.

IROQ Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$43.4M+5.9%	$41.0M+27.8%	$32.1M+29.4%	$24.8M+1.8%	$24.4M-9.7%	$27.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.6M-2.8%	$23.3M+130.8%	$10.1M+298.4%	$2.5M-39.5%	$4.2M-51.9%	$8.7M
Income Tax	$1.6M+185.5%	$565K-64.7%	$1.6M-21.7%	$2.0M+0.4%	$2.0M+24.1%	$1.6M
Net Income	$4.3M+140.4%	$1.8M-61.6%	$4.7M-19.4%	$5.8M+8.2%	$5.3M+26.0%	$4.2M
EPS (Diluted)	$1.37+140.4%	$0.57-61.0%	$1.46-20.7%	$1.84+5.7%	$1.74+28.9%	$1.35

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$148-100.0%	$10.5M-5.0%	$11.1M+2.2%	$10.8M+1.9%	$10.6M-3.3%	$11.0M+0.9%	$10.9M+2.4%	$10.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5K-99.9%	$4.6M-7.0%	$4.9M-3.7%	$5.1M-6.0%	$5.4M-9.5%	$6.0M-1.6%	$6.1M-1.1%	$6.2M
Income Tax	$494-99.9%	$494K-3.5%	$512K-7.2%	$552K+45.3%	$380K-17.9%	$463K+112.4%	$218K+118.0%	$100K
Net Income	$1K-99.9%	$1.3M-4.6%	$1.4M-3.4%	$1.4M+42.5%	$1.0M-17.1%	$1.2M+92.6%	$633K+46.9%	$431K
EPS (Diluted)	$0.410.0%	$0.41-4.7%	$0.43	N/A	$0.31-18.4%	$0.38+90.0%	$0.20	N/A

IROQ Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$887.7M0.0%	$887.7M+4.6%	$849.0M-1.0%	$857.6M+7.6%	$797.3M+8.4%	$735.5M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$20.1M+109.9%	$9.6M-12.9%	$11.0M-85.5%	$75.8M+20.8%	$62.7M+87.5%	$33.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$805.8M-1.0%	$813.8M+4.7%	$777.2M-1.1%	$785.9M+10.4%	$712.0M+9.0%	$653.0M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$81.8M+10.7%	$73.9M+3.0%	$71.8M+0.1%	$71.7M-16.0%	$85.3M+3.3%	$82.6M
Retained Earnings	$46.9M+6.9%	$43.9M+1.2%	$43.4M+7.4%	$40.4M+13.2%	$35.6M+14.2%	$31.2M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$830K-99.9%	$830.4M-3.7%	$862.3M-2.9%	$887.7M+1.0%	$879.1M-0.7%	$885.1M-0.9%	$893.4M+0.6%	$887.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$9K-99.9%	$8.8M+9.5%	$8.0M-60.0%	$20.1M+126.5%	$8.9M+50.2%	$5.9M-24.1%	$7.8M-18.7%	$9.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$743K-99.9%	$743.0M-4.5%	$777.8M-3.5%	$805.8M+0.7%	$800.2M-1.1%	$809.2M-0.7%	$814.7M+0.1%	$813.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$87K-99.9%	$87.4M+3.4%	$84.5M+3.3%	$81.8M+3.7%	$78.9M+4.0%	$75.9M-3.6%	$78.8M+6.6%	$73.9M
Retained Earnings	$49K-99.9%	$49.0M+2.8%	$47.6M+1.5%	$46.9M+3.2%	$45.4M+0.8%	$45.1M+2.8%	$43.8M-0.1%	$43.9M

IROQ Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$6.8M+196.1%	$2.3M-17.5%	$2.8M-68.1%	$8.7M+26.2%	$6.9M-0.4%	$6.9M
Capital Expenditures	$242K-2.0%	$247K-89.0%	$2.3M+481.4%	$387K+38.7%	$279K+76.6%	$158K
Free Cash Flow	$6.5M+220.2%	$2.0M+294.6%	$516K-93.8%	$8.3M+25.7%	$6.6M-2.2%	$6.7M
Investing Cash Flow	$14.1M+135.4%	-$39.8M+30.4%	-$57.1M+17.0%	-$68.8M-90.9%	-$36.0M-5.1%	-$34.3M
Financing Cash Flow	-$10.3M-128.6%	$36.1M+444.3%	-$10.5M-114.3%	$73.2M+25.3%	$58.4M+4487.0%	$1.3M
Dividends Paid	$1.3M+0.5%	$1.3M+0.8%	$1.3M+18.9%	$1.1M+17.4%	$909K-3.2%	$939K
Share Buybacks	N/A	N/A	N/A	N/A	$0-100.0%	$7.5M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	$1K-99.9%	$1.8M+434.3%	-$539K-118.5%	$2.9M+59.4%	$1.8M+1281.3%	-$155K-107.2%	$2.2M+89.2%	$1.1M
Capital Expenditures	$110-99.8%	$67K+55.8%	$43K-42.7%	$75K+212.5%	$24K-66.2%	$71K-1.4%	$72K+33.3%	$54K
Free Cash Flow	$1K-99.9%	$1.7M+398.1%	-$582K-120.5%	$2.8M+57.4%	$1.8M+899.6%	-$226K-110.8%	$2.1M+91.9%	$1.1M
Investing Cash Flow	$49K-99.9%	$33.7M+118.3%	$15.4M+300.5%	$3.9M-66.3%	$11.4M+304.2%	$2.8M+169.9%	-$4.0M-135.3%	$11.4M
Financing Cash Flow	$62K+100.2%	-$34.7M-28.8%	-$26.9M-705.6%	$4.5M+143.2%	-$10.3M-126.2%	-$4.5M-5155.6%	$90K+100.5%	-$19.1M
Dividends Paid	$647	N/A	N/A	$643K	$0	N/A	N/A	$640K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

IROQ Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	9.9%+5.5pp	4.4%-10.2pp	14.5%-8.8pp	23.3%+1.4pp	21.9%+6.2pp	15.7%
Return on Equity	5.3%+2.8pp	2.4%-4.1pp	6.5%-1.6pp	8.1%+1.8pp	6.3%+1.1pp	5.1%
Return on Assets	0.5%+0.3pp	0.2%-0.3pp	0.5%-0.1pp	0.7%0.0pp	0.7%+0.1pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.85-1.2	11.01+0.2	10.83-0.1	10.97+2.6	8.35+0.4	7.91
FCF Margin	15.0%+10.0pp	5.0%+3.4pp	1.6%-31.8pp	33.4%+6.4pp	27.1%+2.1pp	25.0%

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	897.3%+884.7pp	12.6%+0.1pp	12.6%-0.7pp	13.3%+3.8pp	9.5%-1.6pp	11.1%+5.3pp	5.8%+1.8pp	4.0%
Return on Equity	1.5%0.0pp	1.5%-0.1pp	1.7%-0.1pp	1.8%+0.5pp	1.3%-0.3pp	1.6%+0.8pp	0.8%+0.2pp	0.6%
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%-0.0pp	0.1%+0.1pp	0.1%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.500.0	8.50-0.7	9.20-0.6	9.85-0.3	10.14-0.5	10.66+0.3	10.34-0.7	11.01
FCF Margin	779.0%+762.6pp	16.5%+21.7pp	-5.3%-31.5pp	26.2%+9.2pp	17.0%+19.0pp	-2.1%-21.2pp	19.2%+9.0pp	10.2%

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Frequently Asked Questions

What is If Bancorp Inc's annual revenue?

If Bancorp Inc (IROQ) reported $43.4M in total revenue for fiscal year 2025. This represents a 5.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is If Bancorp Inc's revenue growing?

If Bancorp Inc (IROQ) revenue grew by 5.9% year-over-year, from $41.0M to $43.4M in fiscal year 2025.

Is If Bancorp Inc profitable?

Yes, If Bancorp Inc (IROQ) reported a net income of $4.3M in fiscal year 2025, with a net profit margin of 9.9%.

What is If Bancorp Inc's net profit margin?

If Bancorp Inc (IROQ) had a net profit margin of 9.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does If Bancorp Inc pay dividends?

Yes, If Bancorp Inc (IROQ) paid $0.40 per share in dividends during fiscal year 2025.

What is If Bancorp Inc's return on equity (ROE)?

If Bancorp Inc (IROQ) has a return on equity of 5.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is If Bancorp Inc's free cash flow?

If Bancorp Inc (IROQ) generated $6.5M in free cash flow during fiscal year 2025. This represents a 220.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is If Bancorp Inc's operating cash flow?

If Bancorp Inc (IROQ) generated $6.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are If Bancorp Inc's total assets?

If Bancorp Inc (IROQ) had $887.7M in total assets as of fiscal year 2025, including both current and long-term assets.

What are If Bancorp Inc's capital expenditures?

If Bancorp Inc (IROQ) invested $242K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does If Bancorp Inc have outstanding?

If Bancorp Inc (IROQ) had 3M shares outstanding as of fiscal year 2025.

What is If Bancorp Inc's debt-to-equity ratio?

If Bancorp Inc (IROQ) had a debt-to-equity ratio of 9.85 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is If Bancorp Inc's return on assets (ROA)?

If Bancorp Inc (IROQ) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is If Bancorp Inc's Piotroski F-Score?

If Bancorp Inc (IROQ) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are If Bancorp Inc's earnings high quality?

If Bancorp Inc (IROQ) has an earnings quality ratio of 1.57x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is If Bancorp Inc?

If Bancorp Inc (IROQ) scores 32 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.