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

Trailing 12 months to December 31, 2025

Revenue $43.1M -0.6% 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

If Bancorp Inc (IROQ) reported $43.1M in revenue over the twelve months to Dec 31, 2025, down 0.6% 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 2026-08-15

IF Bancorp's earnings engine is balance-sheet spread management: profit rebounded in FY2025 even as assets stayed near $888M.

Cash and equivalents rose to $20.1M from $9.6M even as financing cash flow stayed negative. Because investing cash flow turned positive, the liquidity improvement appears to have come from asset-side runoff or repositioning rather than new funding, which is a different mechanic than simply borrowing more.

Returns are leverage-shaped: return on assets was only 0.5%, while return on equity reached 5.3% because the company funds a large asset base with liabilities. That gap means small changes in asset yield or funding cost can have an outsized effect on shareholder returns, so balance-sheet management matters more here than simple revenue growth.

Earnings quality looked stronger in the latest year, with operating cash flow of $6.8M comfortably above net income of $4.3M. Free cash flow was $6.5M, showing that reported profit translated into spendable cash rather than being absorbed by heavy 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

Growth

Capital

Efficiency

Credit Quality

Stability

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

$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.

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.

EBITDA

Not reported for fiscal year 2025.

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 as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.40

YoY0.0%

5Y CAGR+5.9%

10Y CAGR+14.9%

If Bancorp Inc paid $0.40 per share in dividends in fiscal year 2025. That is unchanged from the prior year.

Shares Outstanding

YoY0.0%

5Y CAGR+0.7%

10Y CAGR-1.9%

If Bancorp Inc had 3M shares outstanding in fiscal year 2025. That is unchanged from the prior year.

Margins & Returns

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

IROQ Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

IROQ quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$43.1M	$43.4M+5.9%	$41.0M+27.8%	$32.1M+29.4%	$24.8M+1.8%	$24.4M-9.7%	$27.0M+1.0%	$26.7M+17.2%	$22.8M+6.8%	$21.3M+4.7%	$20.4M+7.8%	$18.9M-0.3%	$19.0M+7.7%	$17.6M-2.2%	$18.0M+6.3%	$16.9M
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 (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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$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-1.3%	$10.8M
SG&A Expenses	$3.1M-7.2%	$3.4M-3.6%	$3.5M+1.7%	$3.4M+8.3%	$3.2M+3.8%	$3.1M-0.5%	$3.1M+0.1%	$3.1M
Interest Expense	$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-5.8%	$6.5M
Income Tax	$494K-3.5%	$512K-7.2%	$552K+45.3%	$380K-17.9%	$463K+112.4%	$218K+118.0%	$100K-58.8%	$243K
Net Income	$1.3M-4.6%	$1.4M-3.4%	$1.4M+42.5%	$1.0M-17.1%	$1.2M+92.6%	$633K+46.9%	$431K-39.1%	$708K
EPS (Diluted)	$0.41-4.7%	$0.43-10.4%	$0.48+54.8%	$0.31-18.4%	$0.38+90.0%	$0.20+33.3%	$0.15-31.8%	$0.22

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

IROQ Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

IROQ quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$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-1.9%	$905.0M
Cash & Equivalents	$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-40.4%	$16.1M
Total Liabilities	$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-2.3%	$832.6M
Total Equity	$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+2.1%	$72.4M
Retained Earnings	$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+1.1%	$43.4M

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

IROQ Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

IROQ quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.8M+434.3%	-$539K-118.5%	$2.9M+59.4%	$1.8M+1281.3%	-$155K-107.2%	$2.2M+89.2%	$1.1M+5926.3%	$19K
Capital Expenditures	$67K+55.8%	$43K-42.7%	$75K+212.5%	$24K-66.2%	$71K-1.4%	$72K+33.3%	$54K-37.2%	$86K
Free Cash Flow	$1.7M+398.1%	-$582K-120.5%	$2.8M+57.4%	$1.8M+899.6%	-$226K-110.8%	$2.1M+91.9%	$1.1M+1728.4%	-$67K
Investing Cash Flow	$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-12.1%	$13.0M
Financing Cash Flow	-$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-270.7%	-$5.1M
Dividends Paid	N/A	N/A	$643K	$0	N/A	N/A	$640K	$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.

IROQ quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	9.9%+5.5pp	4.4%-10.2pp	14.5%-8.8pp	23.3%+1.4pp	21.9%+6.2pp	15.7%+2.4pp	13.3%+5.7pp	7.6%-10.8pp	18.4%+0.9pp	17.5%+0.2pp	17.3%-1.0pp	18.3%-2.7pp	21.1%+13.3pp	7.8%-8.9pp	16.7%
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%+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
FCF Margin	15.0%+10.0pp	5.0%+3.4pp	1.6%-31.8pp	33.4%+6.4pp	27.1%+2.1pp	25.0%+7.4pp	17.5%+17.6pp	-0.1%-21.0pp	20.9%-4.2pp	25.1%-2.6pp	27.7%0.0pp	27.7%-4.6pp	32.3%+2.0pp	30.3%+1.9pp	28.4%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	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%-2.5pp	6.6%
Return on Equity	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%-0.4pp	1.0%
Return on Assets	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%0.0pp	0.1%
Debt-to-Equity	8.50-0.7x	9.20-0.6x	9.85-0.3x	10.14-0.5x	10.66+0.3x	10.34-0.7x	11.01-0.5x	11.50
FCF Margin	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%+10.8pp	-0.6%

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

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Where If Bancorp Inc Ranks

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 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.