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. (IROQ) Financials

IROQ

Trailing 12 months to December 31, 2025

Revenue $27.9M +18.2% YoY

Net Income $5.2M +72.9% YoY

EPS (Diluted) $1.63 +71.6% YoY

Free Cash Flow $5.8M +100.7% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Dec 31, 2025 Reported Feb 12, 2026 Currency USD FYE June

Newest figures come from the 10-Q for Q2 FY2026, filed Feb 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the IROQ SEC filings page.

IF Bancorp, Inc. (IROQ) reported $27.9M in revenue over the twelve months to Dec 31, 2025, up 18.2% from the prior twelve months. This page shows its 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).

Rhea AI IROQ FY2025 2026-10-04

IF Bancorp earns modest returns from a heavily funded balance sheet, while 2025 earnings recovered without removing funding-cost pressure.

FY2025's earnings rebound was not simply a deleveraging story: net margin returned to 16.7% from 8.1%, while interest expense remained $22.6M against $25.8M of revenue. Funding costs remain central to earnings, so profitability improved without evidence that the business became structurally less sensitive to its financing burden.

Liabilities of $805.8M were nearly the size of $887.7M in assets, leaving a relatively thin equity cushion. The resulting 9.8x debt-to-equity helps explain why profitability translated into only 0.5% ROA.

Operating cash flow reached $6.8M versus $4.3M of net income, so reported earnings converted into more cash than they recognized in profit. With only $242K of capital expenditure, $6.5M of free cash flow indicates the year's cash generation was not being absorbed by heavy physical reinvestment.

Financial Health Signals

Financial Health Score 31/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of IF Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

IF Bancorp, Inc. earned a return on assets of 0.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.2% the prior year. Earnings ranks banks on that return over three years, and IF Bancorp, Inc. scores 24/100 among other banks.

Growth

IF Bancorp, Inc. reported revenue of $25.8M in fiscal year 2025, against $22.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and IF Bancorp, Inc. scores 15/100 among other banks.

Capital

IF Bancorp, Inc. funded 9.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $81.8M of equity against $887.7M of assets. Capital ranks banks on that cushion, and IF Bancorp, Inc. scores 20/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. IF Bancorp, Inc. scores 14/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. IF Bancorp, Inc. scores 74/100 on it among other banks.

Stability

IF Bancorp, Inc. reported net income of $4.3M in fiscal year 2025, against $1.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and IF Bancorp, Inc. scores 41/100 among other banks.

Piotroski F-Score Partial

6/6

IF Bancorp, Inc. passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 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

$7.3M

YoY+16.8%

QoQ+0.1%

5Y CAGR+2.4%

10Y CAGR+3.4%

IF Bancorp, Inc. generated $7.3M in revenue in Q2 2026. This represents an increase of 16.8% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Net Income

$1.3M

YoY+8.9%

QoQ-4.6%

5Y CAGR-1.9%

10Y CAGR+5.8%

IF Bancorp, Inc. reported $1.3M in net income in Q2 2026. This represents an increase of 8.9% from the same quarter a year earlier. Against the prior quarter it is down 4.6%.

EPS (Diluted)

$0.41

YoY+7.9%

QoQ-4.7%

5Y CAGR-3.1%

10Y CAGR+7.4%

IF Bancorp, Inc. earned $0.41 per diluted share (EPS) in Q2 2026. This represents an increase of 7.9% from the same quarter a year earlier. Against the prior quarter it is down 4.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$1.7M

YoY+867.7%

QoQ+398.1%

5Y CAGR+8.0%

10Y CAGR+11.2%

IF Bancorp, Inc. generated $1.7M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 867.7% from the same quarter a year earlier. Against the prior quarter it is up 398.1%.

Cash & Debt

$8.8M

YoY+48.8%

QoQ+9.5%

5Y CAGR+2.8%

10Y CAGR+4.6%

IF Bancorp, Inc. held $8.8M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.00

QoQ-100.0%

IF Bancorp, Inc. paid $0.00 per share in dividends in Q2 2026. Against the prior quarter it is down 100.0%.

Shares Outstanding

YoY0.0%

QoQ0.0%

5Y CAGR+0.7%

10Y CAGR-1.8%

IF Bancorp, Inc. had 3M shares outstanding in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

18.1%

YoY-1.3pp

QoQ-0.9pp

5Y change-4.3pp

10Y change+3.7pp

IF Bancorp, Inc.'s net profit margin was 18.1% in Q2 2026, showing the share of revenue converted to profit. This is down 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.9 percentage points.

Return on Equity

1.5%

YoY-0.1pp

QoQ-0.1pp

5Y change-0.2pp

10Y change+0.6pp

IF Bancorp, Inc.'s ROE was 1.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$67K

YoY-5.6%

QoQ+55.8%

5Y CAGR-12.9%

10Y CAGR-1.5%

IF Bancorp, Inc. invested $67K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 5.6% from the same quarter a year earlier. Against the prior quarter it is up 55.8%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

IROQ Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

IROQ quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$27.9M	$25.8M+16.5%	$22.1M-15.2%	$26.1M-6.1%	$27.8M+5.0%	$26.4M+14.5%	$23.1M+4.8%	$22.0M+2.0%	$21.6M-3.8%	$22.4M+6.1%	$21.2M+11.4%	$19.0M+0.6%	$18.9M-0.6%	$19.0M+6.0%	$17.9M+13.7%	$15.8M
SG&A Expenses	$13.5M	$13.2M+9.9%	$12.0M-5.5%	$12.7M-2.6%	$13.1M+9.7%	$11.9M+7.5%	$11.1M+4.0%	$10.6M+9.4%	$9.7M+2.8%	$9.5M+5.6%	$9.0M+5.9%	$8.5M+1.5%	$8.3M+5.8%	$7.9M+9.8%	$7.2M+9.8%	$6.5M
Interest Expense	$20.0M	$22.6M-2.8%	$23.3M+130.8%	$10.1M+298.4%	$2.5M-39.5%	$4.2M-51.9%	$8.7M-1.8%	$8.9M+67.4%	$5.3M+46.2%	$3.6M+9.2%	$3.3M+2.7%	$3.2M+2.5%	$3.1M+1.6%	$3.1M-18.1%	$3.8M-24.1%	$5.0M
Income Tax	$1.9M	$1.6M+185.5%	$565K-64.7%	$1.6M-21.7%	$2.0M+0.4%	$2.0M+24.1%	$1.6M+26.8%	$1.3M-52.6%	$2.7M+19.8%	$2.3M+12.9%	$2.0M+9.8%	$1.8M-1.5%	$1.9M-9.5%	$2.1M+268.0%	$559K-60.0%	$1.4M
Net Income	$5.2M	$4.3M+140.4%	$1.8M-61.6%	$4.7M-19.4%	$5.8M+8.2%	$5.3M+26.0%	$4.2M+19.3%	$3.6M+104.7%	$1.7M-55.7%	$3.9M+9.9%	$3.6M+8.9%	$3.3M-5.8%	$3.5M-6.3%	$3.7M+165.0%	$1.4M-50.5%	$2.8M
EPS (Basic)	N/A	$1.37+140.4%	$0.57-62.0%	$1.50-20.2%	$1.88+6.8%	$1.76+28.5%	$1.37+34.3%	$1.02+117.0%	$0.47-55.7%	$1.06+10.4%	$0.96+15.7%	$0.83-1.2%	$0.84-2.3%	$0.86	N/A	N/A
EPS (Diluted)	$1.63	$1.37+140.4%	$0.57-61.0%	$1.46-20.7%	$1.84+5.7%	$1.74+28.9%	$1.35+33.7%	$1.01+114.9%	$0.47-55.7%	$1.06+11.6%	$0.95+14.5%	$0.83-1.2%	$0.84-2.3%	$0.86	N/A	N/A
Diluted Shares (Avg)	N/A	3M+0.6%	3M-2.0%	3M+1.9%	3M+1.9%	3M-2.2%	3M-10.8%	4M-4.6%	4M-0.4%	4M-0.6%	4M-4.9%	4M-5.1%	4M-4.3%	4M	0	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$7.3M+16.8%	$7.3M+17.6%	$6.9M+20.2%	$6.4M+18.5%	$6.3M+18.3%	$6.2M+9.1%	$5.7M-0.1%	$5.4M-9.7%
SG&A Expenses	$3.1M-1.5%	$3.4M+10.2%	$3.5M+13.7%	$3.4M+11.9%	$3.2M+12.4%	$3.1M+1.7%	$3.1M-6.5%	$3.1M-3.8%
Interest Expense	$4.6M-23.8%	$4.9M-19.4%	$5.1M-17.3%	$5.4M-17.2%	$6.0M+2.6%	$6.1M+29.4%	$6.2M+53.1%	$6.5M+107.0%
Income Tax	$494K+6.7%	$512K+134.9%	$552K+452.0%	$380K+56.4%	$463K+885.1%	$218K+24.6%	$100K-41.9%	$243K+20.3%
Net Income	$1.3M+8.9%	$1.4M+119.9%	$1.4M+234.3%	$1.0M+42.8%	$1.2M+558.9%	$633K+35.8%	$431K-27.8%	$708K+2.6%
EPS (Basic)	$0.41+7.9%	$0.43+115.0%	$0.48+220.0%	$0.31+40.9%	$0.38+533.3%	$0.20+33.3%	$0.15-28.6%	$0.220.0%
EPS (Diluted)	$0.41+7.9%	$0.43+115.0%	$0.48+220.0%	$0.31+40.9%	$0.38+533.3%	$0.20+42.9%	$0.15-28.6%	$0.22+4.8%
Diluted Shares (Avg)	3M+0.6%	3M+0.6%	N/A	3M+0.6%	3M+0.5%	3M-1.4%	N/A	3M-1.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

IROQ Balance Sheet

IROQ quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$887.7M0.0%	$887.7M+4.6%	$849.0M-1.0%	$857.6M+7.6%	$797.3M+8.4%	$735.5M+1.6%	$723.9M+13.3%	$638.9M+9.1%	$585.5M-1.7%	$595.6M+5.7%	$563.7M+2.2%	$551.3M+0.7%	$547.5M+7.1%	$511.3M+0.1%	$510.8M
Cash & Equivalents	$20.1M+109.9%	$9.6M-12.9%	$11.0M-85.5%	$75.8M+20.8%	$62.7M+87.5%	$33.5M-43.8%	$59.6M+1153.7%	$4.8M-38.8%	$7.8M+20.4%	$6.4M-51.2%	$13.2M+3.9%	$12.7M+93.5%	$6.6M-19.7%	$8.2M-86.5%	$60.5M
Short-Term Investments	$16.7M-31.2%	$24.2M-5.2%	$25.6M-21.8%	$32.7M	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$805.8M-1.0%	$813.8M+4.7%	$777.2M-1.1%	$785.9M+10.4%	$712.0M+9.0%	$653.0M+1.8%	$641.4M+15.1%	$557.2M+11.1%	$501.5M-2.0%	$511.6M+5.9%	$483.2M+3.0%	$469.3M+0.7%	$465.8M+9.7%	$424.7M-9.9%	$471.4M
Total Equity	$81.8M+10.7%	$73.9M+3.0%	$71.8M+0.1%	$71.7M-16.0%	$85.3M+3.3%	$82.6M+0.1%	$82.5M+1.0%	$81.7M-2.7%	$84.0M0.0%	$84.0M+4.4%	$80.4M-2.0%	$82.1M+0.4%	$81.7M-5.7%	$86.6M+119.7%	$39.4M
Retained Earnings	$46.9M+6.9%	$43.9M+1.2%	$43.4M+7.4%	$40.4M+13.2%	$35.6M+14.2%	$31.2M-11.7%	$35.4M-9.1%	$38.9M-0.4%	$39.1M+5.3%	$37.1M+4.6%	$35.5M-5.5%	$37.5M-4.0%	$39.1M+1.0%	$38.7M+3.8%	$37.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$830.4M-6.2%	$862.3M-3.5%	$887.7M0.0%	$879.1M-2.9%	$885.1M-2.8%	$893.4M+2.6%	$887.7M+4.6%	$905.0M+7.4%
Cash & Equivalents	$8.8M+48.8%	$8.0M+3.1%	$20.1M+109.9%	$8.9M-44.8%	$5.9M-27.7%	$7.8M-42.7%	$9.6M-12.9%	$16.1M+69.7%
Short-Term Investments	$15.0M-25.1%	$15.5M-32.7%	$16.7M-31.2%	$17.9M-26.6%	$20.1M-25.8%	$23.0M-6.2%	$24.2M-5.2%	$24.3M-11.5%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$743.0M-8.2%	$777.8M-4.5%	$805.8M-1.0%	$800.2M-3.9%	$809.2M-3.3%	$814.7M+1.3%	$813.8M+4.7%	$832.6M+8.2%
Total Equity	$87.4M+15.0%	$84.5M+7.3%	$81.8M+10.7%	$78.9M+9.1%	$75.9M+3.0%	$78.8M+18.3%	$73.9M+3.0%	$72.4M-1.9%
Retained Earnings	$49.0M+8.6%	$47.6M+8.6%	$46.9M+6.9%	$45.4M+4.6%	$45.1M+3.9%	$43.8M+1.6%	$43.9M+1.2%	$43.4M+1.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

IROQ Cash Flow Statement

IROQ quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$6.0M	$6.8M+196.1%	$2.3M-17.5%	$2.8M-68.1%	$8.7M+26.2%	$6.9M-0.4%	$6.9M+19.0%	$5.8M+19.8%	$4.8M-21.3%	$6.1M+15.3%	$5.3M-0.1%	$5.3M-18.0%	$6.5M+7.1%	$6.1M-1.2%	$6.1M+19.8%	$5.1M
Depreciation & Amortization	N/A	$621K-7.5%	$671K+1.2%	$663K-1.8%	$675K-0.6%	$679K+1.2%	$671K+6.8%	$628K+34.2%	$468K+44.4%	$324K-24.3%	$428K-0.5%	$430K+2.9%	$418K-6.5%	$447K+4.0%	$430K+9.7%	$392K
Stock-Based Compensation	N/A	$187K-28.1%	$260K-20.5%	$327K+109.6%	$156K-19.2%	$193K-13.5%	$223K-0.9%	$225K0.0%	$225K-0.4%	$226K-31.5%	$330K+62.6%	$203K+70.6%	$119K	N/A	N/A	N/A
Capital Expenditures	$209K	$242K-2.0%	$247K-89.0%	$2.3M+481.4%	$387K+38.7%	$279K+76.6%	$158K-85.7%	$1.1M-77.2%	$4.9M+188.6%	$1.7M+686.0%	$214K+101.9%	$106K-91.5%	$1.2M+226.1%	$383K-44.4%	$689K+120.8%	$312K
Free Cash Flow	$5.8M	$6.5M+220.2%	$2.0M+294.6%	$516K-93.8%	$8.3M+25.7%	$6.6M-2.2%	$6.7M+43.7%	$4.7M+29406.3%	-$16K-100.4%	$4.5M-12.7%	$5.1M-2.1%	$5.2M-0.5%	$5.3M-7.6%	$5.7M+4.2%	$5.5M+13.3%	$4.8M
Investing Cash Flow	$64.4M	$14.1M+135.4%	-$39.8M+30.4%	-$57.1M+17.0%	-$68.8M-90.9%	-$36.0M-5.1%	-$34.3M-26.4%	-$27.1M+55.3%	-$60.7M-899.7%	$7.6M	N/A	N/A	N/A	-$45.2M+11.1%	-$50.9M+31.4%	-$74.2M
Financing Cash Flow	-$67.5M	-$10.3M-128.6%	$36.1M+444.3%	-$10.5M-114.3%	$73.2M+25.3%	$58.4M+4487.0%	$1.3M-98.3%	$76.2M+44.2%	$52.8M+525.5%	-$12.4M	N/A	N/A	N/A	$37.6M+595.9%	-$7.6M-106.2%	$122.8M
Dividends Paid	N/A	$1.3M+0.5%	$1.3M+0.8%	$1.3M+18.9%	$1.1M+17.4%	$909K-3.2%	$939K+8.2%	$868K+18.9%	$730K+23.9%	$589K+21.7%	$484K+20.1%	$403K-2.9%	$415K	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$7.5M+19.9%	$6.2M+350.9%	$1.4M+0.4%	$1.4M-3.6%	$1.4M-71.2%	$5.0M+7.1%	$4.6M+38.4%	$3.3M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$1.8M+1262.6%	-$539K-124.9%	$2.9M+154.9%	$1.8M+9536.8%	-$155K-231.4%	$2.2M+116.4%	$1.1M+2.8%	$19K-98.3%
Depreciation & Amortization	$147K-5.8%	$159K+3.2%	$156K-0.6%	$155K-8.3%	$156K-7.1%	$154K-13.0%	$157K-10.8%	$169K+3.0%
Stock-Based Compensation	N/A	$46K-6.1%	N/A	N/A	N/A	$49K-45.6%	N/A	N/A
Capital Expenditures	$67K-5.6%	$43K-40.3%	$75K+38.9%	$24K-72.1%	$71K+407.1%	$72K-22.6%	$54K-50.0%	$86K-95.8%
Free Cash Flow	$1.7M+867.7%	-$582K-127.8%	$2.8M+160.7%	$1.8M+2797.0%	-$226K-317.3%	$2.1M+130.6%	$1.1M+8.4%	-$67K+92.8%
Investing Cash Flow	$33.7M+1091.2%	$15.4M+481.5%	$3.9M-66.3%	$11.4M-12.2%	$2.8M+107.4%	-$4.0M+84.5%	$11.4M+304.1%	$13.0M+180.5%
Financing Cash Flow	-$34.7M-662.9%	-$26.9M-30044.4%	$4.5M+123.3%	-$10.3M-100.1%	-$4.5M-113.9%	$90K-99.7%	-$19.1M-417.2%	-$5.1M-132.0%
Dividends Paid	N/A	N/A	$643K+0.5%	$0	N/A	N/A	$640K+0.6%	$0

Not reported in any period shown, so not listed: Share Buybacks.

IROQ Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

IROQ quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	16.7%+8.6pp	8.1%-9.8pp	17.9%-3.0pp	20.8%+0.6pp	20.2%+1.9pp	18.4%+2.2pp	16.2%+8.1pp	8.1%-9.4pp	17.5%+0.6pp	16.9%-0.4pp	17.2%-1.2pp	18.4%-1.1pp	19.5%+11.7pp	7.8%-10.1pp	17.9%
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%+0.8pp	4.3%+2.2pp	2.1%-2.5pp	4.7%+0.4pp	4.3%+0.2pp	4.1%-0.2pp	4.2%-0.3pp	4.5%+2.9pp	1.6%-5.6pp	7.2%
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%+0.1pp	0.5%+0.2pp	0.3%-0.4pp	0.7%+0.1pp	0.6%0.0pp	0.6%-0.1pp	0.6%0.0pp	0.7%+0.4pp	0.3%-0.3pp	0.5%
Debt-to-Equity	9.85-1.2x	11.01+0.2x	10.83-0.1x	10.97+2.6x	8.35+0.4x	7.91+0.1x	7.78+1.0x	6.82+0.9x	5.97-0.1x	6.09+0.1x	6.01+0.3x	5.720.0x	5.70+0.8x	4.90-7.1x	11.95
Asset Turnover	0.030.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.03
FCF Margin	25.3%+16.1pp	9.2%+7.2pp	2.0%-27.9pp	29.8%+4.9pp	24.9%-4.3pp	29.2%+7.9pp	21.3%+21.3pp	-0.1%-20.0pp	19.9%-4.3pp	24.2%-3.4pp	27.5%-0.3pp	27.8%-2.1pp	29.9%-0.5pp	30.4%-0.1pp	30.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	18.1%-1.3pp	19.0%+8.8pp	21.0%+13.5pp	15.8%+2.7pp	19.4%+15.9pp	10.2%+2.0pp	7.6%-2.9pp	13.1%+1.6pp
Return on Equity	1.5%-0.1pp	1.7%+0.9pp	1.8%+1.2pp	1.3%+0.3pp	1.6%+1.4pp	0.8%+0.1pp	0.6%-0.3pp	1.0%0.0pp
Return on Assets	0.2%0.0pp	0.2%+0.1pp	0.2%+0.1pp	0.1%0.0pp	0.1%+0.1pp	0.1%0.0pp	0.1%0.0pp	0.1%0.0pp
Debt-to-Equity	8.50-2.2x	9.20-1.1x	9.85-1.2x	10.14-1.4x	10.66-0.7x	10.34-1.7x	11.01+0.2x	11.50+1.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	23.7%+27.3pp	-8.0%-41.6pp	41.5%+22.4pp	28.2%+29.5pp	-3.6%-5.6pp	33.6%+17.7pp	19.1%+1.5pp	-1.2%+14.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
IF Bancorp, Inc. IROQ	FY2025	$25.8M	$4.3M	16.7%	$89.0M	31/100
Auburn National Bancorporation AUBN	FY2025	$32.8M	$7.3M	22.1%	$92.5M	42/100
CFSB Bancorp, Inc. CFSB	FY2025	$7.7M	-$265K	-3.5%	$93.3M	22/100
United Bancorp Inc/OH UBCP	FY2025	$41.5M	$7.8M	18.7%	$84.1M	46/100
Broadway Financial Corp/Del BYFC	FY2025	$34.9M	-$24.8M	-71.0%	$106.1M	20/100

Where IF Bancorp, Inc. Ranks

Frequently Asked Questions

What is IF Bancorp, Inc.'s annual revenue?

IF Bancorp, Inc. (IROQ) reported $25.8M in total revenue for fiscal year 2025. This represents a 16.5% 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 16.5% year-over-year, from $22.1M to $25.8M 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 16.7%.

What is IF Bancorp, Inc.'s net profit margin?

IF Bancorp, Inc. (IROQ) had a net profit margin of 16.7% 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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 31 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.