NASDAQ · Banks - Regional

IF Bancorp, Inc. (IROQ) Stock

$26.55 +0.00% NASDAQ: IROQ Financial Services

IF Bancorp, Inc. operates as the parent company for Iroquois Federal Savings and Loan Association, offering a broad spectrum of banking and financial services to both individual and business clients.

Valuation

MetricValue
Price$26.55
Market Cap$88.98M
P/E Ratio16.59
P/B Ratio0.99
P/S Ratio1.86
EPS (TTM)$1.60
52-Week High$29.00
52-Week Low$23.00
Dividend Yield1.51%

Financials & Margins

MetricValue
ROE6.22%
ROA0.62%
ROCE0.87%
Gross Margin59.53%
Operating Margin14.87%
Net Margin10.82%
Debt/Equity0.96
Current Ratio11.55

Annual Financials (USD)

Metric20212022202320242025
Revenue$31.0M$30.0M$36.0M$45.0M$48.0M
Operating Profit$7.0M$8.0M$6.0M$2.0M$6.0M
Net Profit$5.0M$6.0M$5.0M$2.0M$4.0M
EPS$1.74$1.84$1.46$0.57$1.37
Op Margin24.1%25.8%17.3%5.2%12.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$797.0M$858.0M$849.0M$888.0M$888.0M
Total Liabilities$712.0M$786.0M$777.0M$814.0M$806.0M
Cash$65.0M$77.0M$12.0M$10.0M$20.0M
Borrowings$34.0M$24.0M$30.0M$76.0M$73.0M

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$7.0M$9.0M$3.0M$2.0M$7.0M
Investing Cash Flow$-36.0M$-69.0M$-59.0M$-40.0M$14.0M
Financing Cash Flow$69.0M$87.0M$-14.0M$-1.0M$-5.0M
Net Cash Flow$29.0M$13.0M$-65.0M$-1.0M$11.0M
Free Cash Flow$7.0M$8.0M$1.0M$2.0M$7.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.23
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y
Return 3Y
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AUBN $26.68 +1.91% 11.63 $93.20M 4.47%
BOTJ $27.01 +0.30% 11.52 $122.72M 1.75%
FDSB $17.86 -0.22% 18.94 $94.03M 0.00%
FGBI $9.36 +0.75% -2.13 $154.10M 0.45%
FNWB $11.15 -1.24% -19.92 $105.92M 0.00%

About IF Bancorp, Inc.

IF Bancorp, Inc. operates as the parent company for Iroquois Federal Savings and Loan Association, offering a broad spectrum of banking and financial services to both individual and business clients. The company provides numerous deposit products, such as savings accounts, Certificates of Deposit (CDs), money market accounts, checking accounts for personal and commercial use, Individual Retirement Accounts (IRAs), and Health Savings Accounts (HSAs). Additionally, IF Bancorp extends various credit options, including residential mortgages for one-to-four family homes, multi-family dwelling loans, commercial real estate financing (which covers farm loans), home equity lines of credit (HELOCs), business loans, and consumer loans primarily composed of automobile financing. They also fund construction and land development ventures. Beyond core banking, the firm offers a wide array of financial services: selling property and casualty insurance, annuities, mutual funds, individual and group retirement plans, life, disability, and health insurance, as well as individual securities and managed accounts. The institution also invests in securities and provides contemporary conveniences like ATM services, online banking with bill payment, mobile banking, Automated Clearing House (ACH) origination, remote deposit capture, and telephone banking. As of August 31, 2021, IF Bancorp, Inc. maintained seven full-service banking locations across Illinois (Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais, and Champaign), alongside a specialized loan production and wealth management office in Osage Beach, Missouri. The company was founded in 1883 and its main corporate office is located in Watseka, Illinois.

IF Bancorp, Inc. is headquartered in US.

IF Bancorp, Inc. (IROQ) stock trades at $26.55 with a market capitalization of $88.98M. The stock is valued at a price-to-earnings (P/E) ratio of 16.59, price-to-book of 0.99, price-to-sales of 1.86. Over the past 52 weeks the stock has ranged between $23.00 and $29.00, and currently trades 8.4% below its 52-week high. It pays a dividend yielding 1.51%.

On profitability, IF Bancorp, Inc. generates a return on equity (ROE) of 6.22%, return on capital employed of 0.87%, an operating margin of 14.87%, a net profit margin of 10.82%.

Official website: iroquoisfed.com

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