IF Bancorp, Inc.(IROQ)Earnings, Financials & Key Ratios
IROQ•NASDAQ•Banking & Credit
$26.55
$89M mkt cap·19.4× P/E·Price updated May 1, 2026
AboutIF 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 also 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 consisting of 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. Further, it invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. As of August 31, 2021, it operated a network of seven full-service banking offices located in Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais, and Champaign, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.Show more
- Net Interest Income$20M+17.3%
- Total Revenue$48M+6.6%
- Net Income$4M+140.4%
- Return on Equity5.53%+124.9%
- Net Interest Margin2.29%+17.3%
- Efficiency Ratio42.49%-2.3%
- ROA0.48%+135.2%
- Equity / Assets9.22%+10.7%
- Book Value per Share25.97+10.1%
- Tangible BV/Share25.52+10.4%
- Debt/Equity0.89-13.4%
IROQ Key Insights
IF Bancorp, Inc. (IROQ) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 42.5% efficiency ratio
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 4.8%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
IROQ Price & Volume
IF Bancorp, Inc. (IROQ) stock price & volume — 10-year historical chart
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IROQ Growth Metrics
IF Bancorp, Inc. (IROQ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.14%
5 Years8.77%
3 Years16.88%
TTM-
Profit CAGR
10 Years2.77%
5 Years0.28%
3 Years-9.38%
TTM158.71%
EPS CAGR
10 Years5.14%
5 Years0.29%
3 Years-9.36%
TTM158.35%
Return on Capital
10 Years4.47%
5 Years5.08%
3 Years4.06%
Last Year3.89%
IROQ Peer Comparison
IF Bancorp, Inc. (IROQ) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 CLBK | 2.02B | 19.29 | -175.36 | 7.33% | 1.3% | 1.00 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 4.56% | 0.90 | ||
 KRNY | 510.29M | 8.12 | 19.32 | 5.09% | 4.31% | 1.68 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 | ||
 BSVN | 412.67M | 43.61 | 9.69 | -3.87% | 18.21% | |||
 CFFN | 1.02B | 7.83 | 15.06 | 10.03% | 6.99% | 1.86 |
Compare IROQ vs Peers
IF Bancorp, Inc. (IROQ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
IROQ Income Statement
IF Bancorp, Inc. (IROQ) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 17.62M | 17.41M | 17.72M | 18.22M | 20.05M | 22.14M | 21.8M | 17.35M | 20.36M | 44.31M |
| NII Growth % | 3.67% | -1.18% | 1.79% | 2.8% | 10.07% | 10.43% | -1.55% | -20.4% | 17.32% | 610.57% |
| Net Interest Margin % | 3.01% | 2.72% | 2.45% | 2.48% | 2.51% | 2.58% | 2.57% | 1.95% | 2.29% | 5.14% |
| Interest Income | 21.23M | 22.7M | 26.57M | 26.91M | 24.23M | 24.67M | 31.87M | 40.61M | 42.96M | 43.13M |
| Interest Expense | 3.62M | 5.29M | 8.85M | 8.69M | 4.18M | 2.53M | 10.07M | 23.25M | 22.6M | -1.18M |
| Loan Loss Provision | 1.72M | 777K | 407K | 128K | 844K | 492K | -228K | 32K | -701K | 21.48M |
| Non-Interest Income | 4.85M | 4.19M | 4.31M | 4.85M | 6.36M | 5.62M | 4.29M | 4.76M | 5.41M | 5.06M |
| Non-Interest Income % | 18.58% | 15.57% | 13.96% | 15.28% | 20.78% | 18.55% | 11.87% | 10.5% | 11.18% | 10.49% |
| Total Revenue | 26.08M▲ 0% | 26.89M▲ 3.1% | 30.89M▲ 14.9% | 31.77M▲ 2.8% | 30.59M▼ 3.7% | 30.29M▼ 1.0% | 36.17M▲ 19.4% | 45.37M▲ 25.4% | 48.37M▲ 6.6% | 48.19M▲ 0% |
| Revenue Growth % | 6.59% | 3.09% | 14.89% | 2.84% | -3.71% | -0.96% | 19.41% | 25.44% | 6.61% | 8.38% |
| Non-Interest Expense | 14.55M | 16.36M | 16.77M | 17.06M | 18.18M | 19.44M | 20.06M | 19.73M | 20.55M | 20.92M |
| Efficiency Ratio | 55.79% | 60.84% | 54.31% | 53.7% | 59.45% | 64.19% | 55.47% | 43.48% | 42.49% | 43.42% |
| Operating Income | 6.19M▲ 0% | 4.46M▼ 27.9% | 4.85M▲ 8.7% | 5.88M▲ 21.3% | 7.38M▲ 25.4% | 7.83M▲ 6.0% | 6.26M▼ 20.0% | 2.35M▼ 62.4% | 5.92M▲ 151.3% | 6.97M▲ 0% |
| Operating Margin % | 23.75% | 16.6% | 15.71% | 18.52% | 24.13% | 25.84% | 17.31% | 5.19% | 12.23% | 14.47% |
| Operating Income Growth % | 10.99% | -27.93% | 8.69% | 21.29% | 25.44% | 6.04% | -20.02% | -62.38% | 151.25% | - |
| Pretax Income | 6.19M▲ 0% | 4.46M▼ 27.9% | 4.85M▲ 8.7% | 5.88M▲ 21.3% | 7.38M▲ 25.4% | 7.83M▲ 6.0% | 6.26M▼ 20.0% | 2.35M▼ 62.4% | 5.92M▲ 151.3% | 6.97M▲ 0% |
| Pretax Margin % | 23.75% | 16.6% | 15.71% | 18.52% | 24.13% | 25.84% | 17.31% | 5.19% | 12.23% | 14.47% |
| Income Tax | 2.27M | 2.73M | 1.29M | 1.64M | 2.03M | 2.04M | 1.6M | 565K | 1.61M | 1.91M |
| Effective Tax Rate % | 36.72% | 61.06% | 26.65% | 27.86% | 27.56% | 26.1% | 25.56% | 23.99% | 27.26% | 27.36% |
| Net Income | 3.92M▲ 0% | 1.74M▼ 55.7% | 3.56M▲ 104.7% | 4.25M▲ 19.3% | 5.35M▲ 26.0% | 5.78M▲ 8.2% | 4.66M▼ 19.4% | 1.79M▼ 61.6% | 4.3M▲ 140.4% | 5.06M▲ 0% |
| Net Margin % | 15.03% | 6.46% | 11.52% | 13.36% | 17.48% | 19.1% | 12.88% | 3.95% | 8.9% | 10.51% |
| Net Income Growth % | 9.9% | -55.65% | 104.72% | 19.31% | 25.96% | 8.17% | -19.43% | -61.59% | 140.45% | 158.71% |
| Net Income (Continuing) | 3.92M | 1.74M | 3.56M | 4.25M | 5.35M | 5.78M | 4.66M | 1.79M | 4.3M | 5.06M |
| EPS (Diluted) | 1.06▲ 0% | 0.47▼ 55.7% | 1.01▲ 114.9% | 1.35▲ 33.7% | 1.74▲ 28.9% | 1.84▲ 5.7% | 1.46▼ 20.7% | 0.57▼ 61.0% | 1.37▲ 140.4% | 1.56▲ 0% |
| EPS Growth % | 11.58% | -55.66% | 114.89% | 33.66% | 28.89% | 5.75% | -20.65% | -60.96% | 140.35% | 158.35% |
| EPS (Basic) | 1.06 | 0.47 | 1.02 | 1.37 | 1.76 | 1.88 | 1.50 | 0.57 | 1.37 | - |
| Diluted Shares Outstanding | 3.71M | 3.7M | 3.53M | 3.15M | 3.08M | 3.14M | 3.2M | 3.13M | 3.15M | 3.24M |
IROQ Balance Sheet
IF Bancorp, Inc. (IROQ) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 121.13M | 132.5M | 208.89M | 198.86M | 254.88M | 298.22M | 213.54M | 200.3M | 4.97M | 567.71M |
| Cash & Due from Banks | 9.52M | 6.5M | 62.6M | 36.47M | 64.98M | 77.31M | 12.24M | 9.82M | 20.09M | 8.28M |
| Short Term Investments | 111.61M | 126M | 146.29M | 162.39M | 189.89M | 220.91M | 201.3M | 190.47M | 0 | 174.34M |
| Total Investments | 551.93M | 602.48M | 634.07M | 672.21M | 703.26M | 739.84M | 788.76M | 829.77M | 0 | 809.11M |
| Investments Growth % | -2.33% | 9.16% | 5.24% | 6.02% | 4.62% | 5.2% | 6.61% | 5.2% | -100% | -108.22% |
| Long-Term Investments | 440.32M | 476.48M | 487.77M | 509.82M | 513.37M | 518.93M | 587.46M | 639.3M | 0 | 1.94B |
| Accounts Receivables | 1.54M | 1.82M | 2.14M | 1.91M | 1.9M | 2.02M | 2.78M | 3.46M | 3.54M | 3.69M |
| Goodwill & Intangibles | 710K | 866K | 853K | 715K | 1.01M | 1.46M | 1.48M | 1.49M | 1.43M | 1.43M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 710K | 866K | 853K | 715K | 1.01M | 1.46M | 1.48M | 1.49M | 1.43M | 1.43M |
| PP&E (Net) | 5.84M | 10.23M | 10.71M | 10.19M | 9.79M | 9.51M | 11.09M | 10.58M | 0 | 10.09M |
| Other Assets | 12.21M | 13.03M | 11.44M | 13.39M | 14.69M | 18.25M | 21.59M | 22.14M | 886.23M | -644.1M |
| Total Current Assets | 122.67M | 134.32M | 211.03M | 200.77M | 256.77M | 300.24M | 216.32M | 203.75M | 3.54M | 200.99M |
| Total Non-Current Assets | 462.81M | 504.6M | 512.84M | 534.75M | 540.57M | 557.32M | 632.66M | 683.99M | 887.66M | 10.09M |
| Total Assets | 585.47M▲ 0% | 638.92M▲ 9.1% | 723.87M▲ 13.3% | 735.52M▲ 1.6% | 797.34M▲ 8.4% | 857.56M▲ 7.6% | 848.98M▼ 1.0% | 887.75M▲ 4.6% | 887.66M▼ 0.0% | 862.33M▲ 0% |
| Asset Growth % | -1.69% | 9.13% | 13.3% | 1.61% | 8.41% | 7.55% | -1% | 4.57% | -0.01% | -9.16% |
| Return on Assets (ROA) | 0.66% | 0.28% | 0.52% | 0.58% | 0.7% | 0.7% | 0.55% | 0.21% | 0.48% | 0.59% |
| Accounts Payable | 55K | 188K | 801K | 537K | 199K | 176K | 1.67M | 3.01M | 1.86M | 1.81M |
| Total Debt | 55.68M | 69.78M | 26.02M | 41.24M | 34.24M | 24.24M | 30.29M | 76.02M | 72.92M | 87.25M |
| Net Debt | 46.17M | 63.28M | -36.59M | 4.77M | -30.74M | -53.07M | 18.05M | 66.2M | 52.83M | 78.98M |
| Long-Term Debt | 53.5M | 67.5M | 24M | 34.5M | 25M | 15M | 19.5M | 58.25M | 48.62M | 69.12M |
| Short-Term Debt | 2.18M | 2.28M | 2.02M | 6.74M | 9.24M | 9.24M | 10.79M | 17.77M | 24.3M | 18.13M |
| Other Liabilities | 6.62M | 6.86M | 7.57M | 9.48M | 9.96M | 9.46M | 9.96M | 7.62M | 757.2M | 8.48M |
| Total Current Liabilities | 441.38M | 482.89M | 609.84M | 608.98M | 677.08M | 761.44M | 747.77M | 747.96M | 723.12M | 700.21M |
| Total Non-Current Liabilities | 60.12M | 74.36M | 31.57M | 43.98M | 34.96M | 24.46M | 29.46M | 65.87M | 805.82M | 77.6M |
| Total Liabilities | 501.5M | 557.25M | 641.41M | 652.95M | 712.04M | 785.9M | 777.22M | 813.83M | 805.82M | 777.81M |
| Total Equity | 83.97M▲ 0% | 81.67M▼ 2.7% | 82.46M▲ 1.0% | 82.56M▲ 0.1% | 85.3M▲ 3.3% | 71.66M▼ 16.0% | 71.75M▲ 0.1% | 73.92M▲ 3.0% | 81.84M▲ 10.7% | 84.52M▲ 0% |
| Equity Growth % | -0% | -2.73% | 0.96% | 0.12% | 3.32% | -16% | 0.13% | 3.01% | 10.72% | 30.06% |
| Equity / Assets (Capital Ratio) | 14.34% | 12.78% | 11.39% | 11.23% | 10.7% | 8.36% | 8.45% | 8.33% | 9.22% | 9.8% |
| Return on Equity (ROE) | 4.67% | 2.1% | 4.34% | 5.14% | 6.37% | 7.37% | 6.5% | 2.46% | 5.53% | 5.99% |
| Book Value per Share | 22.62 | 22.08 | 23.36 | 26.23 | 27.71 | 22.85 | 22.46 | 23.60 | 25.97 | 26.10 |
| Tangible BV per Share | 22.43 | 21.85 | 23.12 | 26.00 | 27.38 | 22.38 | 21.99 | 23.12 | 25.52 | 25.66 |
| Common Stock | 39K | 39K | 36K | 32K | 32K | 32K | 33K | 33K | 33K | 33K |
| Additional Paid-in Capital | 47.94M | 48.36M | 48.81M | 49.24M | 49.62M | 50.34M | 51.54M | 51.91M | 52.33M | 52.45M |
| Retained Earnings | 39.05M | 38.88M | 35.36M | 31.21M | 35.65M | 40.36M | 43.37M | 43.88M | 46.89M | 47.62M |
| Accumulated OCI | -367K | -3.11M | 565K | 4.2M | 1.93M | -17.35M | -21.65M | -20.56M | -17.42M | -14.47M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
IROQ Cash Flow Statement
IF Bancorp, Inc. (IROQ) cash flow — operating, investing & free cash flow history
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 6.14M | 4.84M | 5.8M | 6.9M | 6.87M | 8.67M | 2.77M | 2.28M | 6.76M | 6.76M |
| Operating CF Growth % | 15.32% | -21.26% | 19.82% | 18.96% | -0.42% | 26.24% | -68.09% | -17.46% | 196.15% | 9346.57% |
| Net Income | 3.92M | 1.74M | 3.56M | 4.25M | 5.35M | 5.78M | 4.66M | 1.79M | 4.3M | 5.06M |
| Depreciation & Amortization | 324K | 468K | 628K | 671K | 679K | 675K | 663K | 671K | 621K | 470K |
| Deferred Taxes | -332K | 1.32M | 76K | -15K | -162K | 218K | -156K | 120K | 114K | 123K |
| Other Non-Cash Items | 315K | 392K | 110K | -179K | 620K | 854K | -147K | -578K | -1.21M | -1.39M |
| Working Capital Changes | 1.32M | 303K | 780K | 1.56M | -189K | 537K | -2.92M | -283K | 2.33M | -450K |
| Cash from Investing | 7.59M | -60.67M | -27.14M | -34.3M | -36.04M | -68.8M | -57.12M | -39.75M | 14.06M | 33.29M |
| Purchase of Investments | -73.42M | -39.23M | -42.15M | -52.05M | -79.59M | -98.78M | -18.2M | -1.98M | -18.34M | -12.02M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 3M |
| Net Investment Activity | -72.42M | -38.23M | -41.15M | -51.05M | -78.59M | -97.78M | -17.21M | -977K | -17.34M | -9.02M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 3.2M | -37.07M | -11.29M | -23.42M | -4.22M | -9.06M | -67.96M | -51.87M | 5.56M | 27.28M |
| Cash from Financing | -12.41M | 52.82M | 76.18M | 1.27M | 58.44M | 73.21M | -10.47M | 36.05M | -10.3M | -37.34M |
| Dividends Paid | -589K | -730K | -868K | -939K | -909K | -1.07M | -1.27M | -1.28M | -1.29M | -1.29M |
| Share Repurchases | -1.38M | -1.38M | -6.22M | -7.46M | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -1.38M | -1.38M | -6.22M | -7.46M | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -2M |
| Other Financing | 3.05M | 40.93M | 126.77M | -3.83M | 68.85M | 87.28M | -13.7M | -1.42M | -4.89M | -493K |
| Net Change in Cash | 1.32M▲ 0% | -3.01M▼ 328.7% | 54.85M▲ 1920.9% | -26.13M▼ 147.6% | 29.27M▲ 212.0% | 13.08M▼ 55.3% | -64.82M▼ 595.7% | -1.42M▲ 97.8% | 10.52M▲ 842.5% | 243K▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 6.45M | 7.77M | 4.75M | 59.6M | 33.47M | 62.73M | 75.81M | 10.99M | 9.57M | 20.09M |
| Cash at End | 7.77M | 4.75M | 59.6M | 33.47M | 62.73M | 75.81M | 10.99M | 9.57M | 20.09M | 8.03M |
| Interest Paid | 3.62M | 5.16M | 8.24M | 8.96M | 4.52M | 2.55M | 8.59M | 21.91M | 23.75M | 22.36M |
| Income Taxes Paid | 2.55M | 2.09M | 365K | 1.15M | 2.74M | 1.96M | 2.1M | 347K | 967K | 230K |
| Free Cash Flow | 4.46M▲ 0% | -16K▼ 100.4% | 4.69M▲ 29406.3% | 6.74M▲ 43.7% | 6.59M▼ 2.2% | 8.28M▲ 25.7% | 516K▼ 93.8% | 2.04M▲ 294.6% | 6.52M▲ 220.2% | 4.08M▲ 0% |
| FCF Growth % | -12.75% | -100.36% | 29406.25% | 43.7% | -2.23% | 25.71% | -93.77% | 294.57% | 220.19% | 26.69% |
IROQ Banking Ratios
IF Bancorp, Inc. (IROQ) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 4.67% | 2.1% | 4.34% | 5.14% | 6.37% | 7.37% | 6.5% | 2.46% | 5.53% | 5.99% |
| Return on Assets (ROA) | 0.66% | 0.28% | 0.52% | 0.58% | 0.7% | 0.7% | 0.55% | 0.21% | 0.48% | 0.59% |
| Net Interest Margin | 3.01% | 2.72% | 2.45% | 2.48% | 2.51% | 2.58% | 2.57% | 1.95% | 2.29% | 5.14% |
| Efficiency Ratio | 55.79% | 60.84% | 54.31% | 53.7% | 59.45% | 64.19% | 55.47% | 43.48% | 42.49% | 43.42% |
| Equity / Assets | 14.34% | 12.78% | 11.39% | 11.23% | 10.7% | 8.36% | 8.45% | 8.33% | 9.22% | 9.8% |
| Book Value / Share | 22.62 | 22.08 | 23.36 | 26.23 | 27.71 | 22.85 | 22.46 | 23.6 | 25.97 | 26.1 |
| NII Growth | 3.67% | -1.18% | 1.79% | 2.8% | 10.07% | 10.43% | -1.55% | -20.4% | 17.32% | 152.58% |
| Dividend Payout | 15.03% | 42% | 24.4% | 22.12% | 17% | 18.45% | 27.23% | 71.45% | 29.88% | 25.4% |
IROQ Frequently Asked Questions
IF Bancorp, Inc. (IROQ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
IF Bancorp, Inc. (IROQ) grew revenue by 6.6% over the past year. This is steady growth.
Yes, IF Bancorp, Inc. (IROQ) is profitable, generating $5.1M in net income for fiscal year 2025 (8.9% net margin).
Dividend & Returns
Yes, IF Bancorp, Inc. (IROQ) pays a dividend with a yield of 1.54%. This makes it attractive for income-focused investors.
IF Bancorp, Inc. (IROQ) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.
Industry Metrics
IF Bancorp, Inc. (IROQ) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.
IF Bancorp, Inc. (IROQ) has an efficiency ratio of 42.5%. This is excellent, indicating strong cost control.
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IF Bancorp, Inc. (IROQ) financial analysis — history, returns, DCA and operating performance tools
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