IF Bancorp Inc.
IROQ | NASDAQ
$26.55
$0 (0.00%)
Mar 17, 2026, 9:30 AM ET · Market open
Market Data
Market Cap $88.98M
Enterprise Value $141.81M
Beta 0.18
Average Volume 8.82K
Shares Outstanding (Diluted) 3.24M
Shares Change YoY 0.55%
Institutional Ownership 31.93%
Exchange NASDAQ
ISIN US44951J1051
Price Performance
Price Change 1M -4.7%
Price Change 3M -1.6%
Price Change 6M 2.9%
Price Change YTD -1.6%
Price Change 1Y 6.2%
Price Change 3Y 70.2%
Price Change 5Y 20.7%
1M CAGR (ann.) -2.4%
1Y CAGR (ann.) 12.0%
5Y CAGR (ann.) 7.7%
All-Time CAGR 7.0%
Valuation
PE Ratio 16.91
Forward PE N/A
PEG Ratio 0.23
Forward PEG 0.23
PS Ratio 1.85
Forward PS N/A
PB Ratio 1.09
P/FCF Ratio 13.65
P/Adj. FCF Ratio 14.65
P/OCF Ratio 14.35
EV/Sales 2.94
EV/EBIT 20.35
EV/EBITDA 20.33
EV/FCF 21.75
Earnings Yield 5.9%
FCF Yield 7.3%
Adj. FCF Yield 6.8%
Financial Health
Net Debt $52.83M
Total Debt $72.92M
Cash & Short-Term Investments $4.97M
Total Assets $887.66M
Current Ratio 11.55
Quick Ratio 11.55
Debt / Equity Ratio 0.96
Debt / EBITDA 10.45
Debt / FCF 11.19
OCF / Debt 0.09
Interest Coverage -2.72
Altman Z-Score 0.46
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 59.5%
Operating Profit Margin 14.5%
EBITDA Margin 16.2%
Net Profit Margin 10.8%
FCF Margin 13.5%
Adj. FCF Margin 12.6%
SBC / Revenue 1.2%
SBC Impact (per share) -6.8%
Returns
Return on Assets 0.6%
Return on Equity 6.2%
Return on Invested Capital 2.5%
Return on Capital Employed 0.9%
Return on Tangible Assets 0.6%
Historical Growth (CAGR)
Revenue CAGR 3Y 16.1%
Revenue CAGR 5Y 8.7%
Revenue CAGR 10Y 7.8%
EPS CAGR 3Y -5.5%
EPS CAGR 5Y 1.5%
EPS CAGR 10Y 6.3%
FCF CAGR 3Y -7.7%
FCF CAGR 5Y -0.7%
FCF CAGR 10Y 2.2%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 29, 2026
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) N/A
Revenue Growth Est (next Q) N/A
Fair Value Estimates
Graham Number $30.85
Graham Upside 16.2%
Lynch Fair Value $7.85
Lynch Upside -70.4%
Price Target N/A
Price Target Upside N/A
Cash Flow
Operating Cash Flow $6.76M
Free Cash Flow $6.52M
Adj. Free Cash Flow $6.07M
FCF Per Share $1.82
OCF Per Share $1.85
OCF/S Ratio 12.6%
Income Statement
Revenue $48.19M
Gross Profit $27.89M
Operating Income $6.97M
EBITDA $6.98M
Net Income $5.06M
EPS (Diluted) $1.57
Revenue / Employee $442.06K
Profit / Employee $46.45K
Employees 109
Dividends
Annual Dividend $0.20
Dividend Yield 0.75%
Payout Ratio 12.7%
FCF Payout Ratio 19.7%
Adj. FCF Payout Ratio 21.2%
Dividend Growth (YoY) -50.0%
Pay Frequency Semi-Annual
Ex-Dividend Date Sep 25, 2025
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