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Ticker
IROQ

Price
24.98
Stock movement up
+- (%)
Company name
IF Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
81.27M
Ent value
888.71M
Price/Sales
1.97
Price/Book
1.03
Div yield
1.59%
Div growth
12.20%
Growth years
8
FCF payout
56.13%
Trailing P/E
41.53
Forward P/E
-
PEG
-
EPS growth
-10.73%
1 year return
49.26%
3 year return
8.94%
5 year return
8.44%
10 year return
4.37%
Last updated: 2025-09-12
IF Bancorp: Potentially Interesting, But Just A Hold For Now
September 16, 2025

iO Charts is a Seeking Alpha partner

IF Bancorp declares $0.20 dividend
August 13, 2025

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

Dividend yield data
Dividend per share0.40
Dividend yield1.59%
Payout frequencySemi-annual
Maximum yield2.90%
Average yield1.97%
Minimum yield1.30%
Discount to avg yield-23.64%
Upside potential-19.12%
Yield as % of max yield54.79%

Yield distribution (inverse percentile) - 5y

Yield distribution data
Dividend yield1.59%
Current yield distribution74.76%
Yield at 100% (Min)1.30%
Yield at 90%1.46%
Yield at 80%1.55%
Yield at 50% (Median)1.85%
Yield at 20%2.42%
Yield at 10%2.64%
Yield at 0% (Max)2.90%

Dividend per share

Dividend per share data
Years of growth8 years
CCC statusDividend Challenger
Dividend per share0.40
Payout frequencySemi-annual
Ex-div date26 Sep 2025
EPS (TTM)0.61
EPS (1y forward)-
EPS growth (5y)-10.73%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
IROQS&P500
DGR MR14.29%-13.74%
DGR TTM-6.60%
DGR 3 years10.06%5.24%
DGR 5 years12.20%5.40%
DGR 10 years-7.07%
DGR 15 years-6.12%
Time since last change announced1172 days
EPS growth (5y)-10.73%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM99.59%56.13%
Average--
Forward--
IF Bancorp GAAP EPS of $0.31, revenue of $6.7M
April 30, 2025

iO Charts is a Seeking Alpha partner

IF Bancorp declares $0.20 dividend
February 12, 2025

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

Valuation Ratios data
Trailing P/E41.53
Price to OCF21.98
Price to FCF23.41
Price to EBITDA145.64
EV to EBITDA1592.67

Valuation (Sales/Book Value)

Valuation (Sales/Book Value) data
Price to Sales1.97
Price to Book1.03
EV to Sales21.58
IF Bancorp GAAP EPS of $0.38, revenue of $6.3M
January 30, 2025

iO Charts is a Seeking Alpha partner

IF Bancorp GAAP EPS of $0.20
November 5, 2024

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

Per share data
Current share count3.23M
EPS (TTM)0.61
FCF per share (TTM)1.08

Income statement

Income statement data
Revenue (TTM)41.18M
Gross profit (TTM)40.20M
Operating income (TTM)13.90M
Net income (TTM)1.96M
EPS (TTM)0.61
EPS (1y forward)-

Margins

Margins data
Gross margin (TTM)97.63%
Operating margin (TTM)33.75%
Profit margin (TTM)4.75%

Balance Sheet

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Balance Sheet data
Cash7.21M
Net receivables3.82M
Total current assets203.69M
Goodwill0.00
Intangible assets1.37M
Property, plant and equipment19.85M
Total assets893.42M
Accounts payable2.76M
Short/Current long term debt108.67M
Total current liabilities2.76M
Total liabilities814.66M
Shareholder's equity78.77M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)3.70M
Capital expenditures (TTM)226.00K
Free cash flow (TTM)3.47M
Dividends paid (TTM)1.95M

Financial returns

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Financial returns data
Return on Equity2.48%
Return on Assets0.22%
Return on Invested Capital1.04%
Cash Return on Invested Capital1.85%
IF Bancorp GAAP EPS of $0.13, revenue of $5.7M
August 29, 2024

iO Charts is a Seeking Alpha partner

IF Bancorp declares $0.20 dividend
August 15, 2024

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

Stock price data
Open25.32
Daily high25.32
Daily low25.13
Daily Volume2K
All-time high27.02
1y analyst estimate-
Beta0.37
EPS (TTM)0.61
Dividend per share0.40
Ex-div date26 Sep 2025
Next earnings date-

Downside potential

Downside potential data
IROQS&P500
Current price drop from All-time high-6.92%-1.46%
Highest price drop-49.00%-56.47%
Date of highest drop12 Jun 20239 Mar 2009
Avg drop from high-14.15%-10.99%
Avg time to new high24 days12 days
Max time to new high886 days1805 days
IF Bancorp declares $0.20 dividend
February 15, 2024

iO Charts is a Seeking Alpha partner

IF Bancorp GAAP EPS of $0.06, revenue of $5.30M
January 30, 2024

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
IROQ (IF Bancorp Inc) company logo
Marketcap
81.27M
Marketcap category
Small-cap
Description
IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial services to individual and corporate clients. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, individual retirement accounts, and health savings accounts. It provides loans comprising one- to four-family residential mortgage loans; multi-family mortgage loans; commercial real estate loans, such as farm loans; home equity lines of credit; commercial business loans; and consumer loans primarily comprising automobile loans, as well as construction loans and land development loans. In addition, the company sells property and casualty insurance, as well as offers annuities; mutual funds; individual and group retirement plans; life, disability, and health insurance; individual securities; managed accounts; and other financial services. IF Bancorp, Inc. invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. The company was founded in 1883 and is headquartered in Watseka, Illinois.
Employees
109
Website
https://iroquoisfed.com
Investor relations
-
SEC filings
IROQ SEC filings
CEO
Walter H. Hasselbring
Country
USA
City
Watseka
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Semi-annual
EVENTS AND PRESENTATIONS
EventsPresentations
IF Bancorp GAAP EPS of $0.14, revenue of $5.71M
November 1, 2023

iO Charts is a Seeking Alpha partner

IF Bancorp GAAP EPS of $0.19, revenue of $5.71M
August 31, 2023

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
COMPANY NEWS
Seeking AlphaPress releases
IF Bancorp declares $0.20 dividend
August 9, 2023
IF Bancorp declares $0.20 dividend
February 15, 2023
IF Bancorp GAAP EPS of $0.23, revenue of $6.91M
January 27, 2023
IF Bancorp GAAP EPS of $0.62, revenue of $74.68M
November 3, 2022
IF Bancorp GAAP EPS of $0.34, revenue of $6.69M
August 31, 2022
IF Bancorp declares $0.20 dividend
August 10, 2022
IF Bancorp GAAP EPS of $0.37, revenue of $6.85M
April 29, 2022
IF Bancorp declares $0.175 dividend
February 9, 2022
IF Bancorp GAAP EPS of $0.54, revenue of $7.12M
January 28, 2022
IF Bancorp reports FQ1 results
October 28, 2021
iO Charts is a Seeking Alpha partnerNext page
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