Trailing Dividend / Share
$0.41
IF Bancorp, Inc. (IROQ) Dividend History
Income profile from 2013 to 2025 with payout safety and yield-on-cost trend
Dividend Yield
1.5%
Payout Ratio
29.9%
Sustainable
Dividend Streak
0 years
IROQ Dividend Income Check
Safety
29.9% payout ratio with sustainable safety profile.
Consistency
0 straight years of dividend increases.
Income Trend
Yield on cost is 2.0% and trend is rising.
IROQ Dividend Scorecard
Yield & Income
Dividend Yield1.5%
Trailing DPS$0.41
FrequencySemi-Annual
Payments / 12M1
Payout Safety
Earnings Payout29.9%
Earnings SafetySustainable
FCF Payout22.4%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak0 years
3Y CAGR2.2%
5Y CAGR5.9%
Yield on Cost (5Y)2.0%
YOC Trendrising
Total Returns
Buyback Yield0.0%
Total Shareholder Yield1.5%
1Y Total Return7.2%
5Y Total Return23.7%
Div Contribution (5Y)7.7%
Estimated $10K growth (return + dividends):
5Y ago$12,37410Y ago$15,52320Y ago$25,570
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
IROQ Income Growth Story
Dividend per share and yield on cost over time (13 years of payments)
IROQ Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
IF Bancorp, Inc. distributes 29.9% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 22.4%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
IROQ does not have a current streak of consecutive dividend increases, with a 3-year CAGR of 2.2% and 5-year CAGR of 5.9%.
Total Shareholder Returns
Beyond cash dividends, IROQ returns capital through share repurchases. The combined picture: 1.5% dividend yield, 1.5% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 2.0% and is currently rising. The 5-year total return is 23.7%, with dividends contributing 7.7% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $15,523 today.
IROQ Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$3.04
Avg/Payment$0.1520
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Sep 26, 2025Latest | $0.2000 | — | 1.54% | Oct 17, 2025 |
| Mar 21, 2025 | $0.2000 | — | 1.64% | Apr 15, 2025 |
| Sep 27, 2024 | $0.2000 | — | 1.99% | Oct 18, 2024 |
| Mar 21, 2024 | $0.2000 | — | 2.42% | Apr 15, 2024 |
| Sep 21, 2023 | $0.2000 | — | 2.66% | Oct 13, 2023 |
| Mar 23, 2023 | $0.2000 | — | 2.58% | Apr 14, 2023 |
| Sep 22, 2022 | $0.2000 | ↑ +14.3% | 1.94% | Oct 14, 2022 |
| Mar 24, 2022 | $0.1750 | — | 1.48% | Apr 15, 2022 |
IROQ Dividend vs Peers
Comparable companies in the same industry
#8 yield in peer group
Div Yield
1.5%
#8 of 8
Safety
Sustainable
29.9% payout
Streak
0Y
5.9% 5Y CAGR
Total Shareholder
1.5%
#8 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| IROQIF Bancorp, Inc. | $89M | 1.5% | 29.9% | 0 | Sustainable |
3rd  NECBNortheast Community … | $359M | 3.8% | 30.0% | 2 | Sustainable |
 NBTBNBT Bancorp Inc. | $2.5B | 3.0% | 42.9% | 13 | Sustainable |
 HONEHarborOne Bancorp, I… | $522M | 2.6% | 47.8% | 6 | Sustainable |
1st  KRNYKearny Financial Cor… | $541M | 5.1% | 1.1% | 0 | Sustainable |
 NFBKNorthfield Bancorp, … | $601M | 3.7% | 26.6% | 0 | Sustainable |
 BSVNBank7 Corp. | $438M | 2.1% | 21.7% | 7 | Sustainable |
2nd  CFFNCapitol Federal Fina… | $1.1B | 4.2% | 65.1% | 0 | Watch |
IROQ Annual Dividend History (2009–2025)
17 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2025 | $0.40 | 0.0% | 2 | $1.37 | 29.2% | 3.43x | 2.0% |
| 2024 | $0.40 | 0.0% | 2 | $0.57 | 70.2% | 1.42x | 2.0% |
| 2023 | $0.40 | 6.7% | 2 | $1.46 | 27.4% | 3.65x | 2.0% |
| 2022 | $0.38 | 15.4% | 2 | $1.84 | 20.4% | 4.91x | 1.9% |
| 2021 | $0.32 | 8.3% | 2 | $1.74 | 18.7% | 5.35x | 1.6% |
| 2020 | $0.30 | 9.1% | 2 | $1.35 | 22.2% | 4.50x | 1.5% |
| 2019 | $0.28 | 22.2% | 2 | $1.01 | 27.2% | 3.67x | 1.4% |
| 2018 | $0.23 | 25.0% | 2 | $0.47 | 47.9% | 2.09x | 1.1% |
| 2017 | $0.18 | 12.5% | 2 | $1.06 | 17.0% | 5.89x | 0.9% |
| 2016 | $0.16 | 60.0% | 2 | $0.95 | 16.8% | 5.94x | 0.8% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
13+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
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IROQ — Frequently Asked Questions
Quick answers to the most common questions about buying IROQ stock.
How much dividend does IROQ pay per share?
IF Bancorp, Inc. (IROQ) pays a trailing 12-month dividend of $0.41 per share, with a current dividend yield of +1.5%. Payments are made Semi-Annual.
When is IROQ's next ex-dividend date?
IROQ's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. IROQ typically pays dividends Semi-Annual.
Is IROQ's dividend safe?
IROQ's dividend safety is rated "Sustainable" based on an earnings payout ratio of +29.9% and FCF payout ratio of +22.4%. The dividend history does not yet show a prolonged growth streak.
How many years has IROQ increased its dividend?
IROQ has not maintained a consecutive growth streak recently. The 5-year dividend CAGR is +5.9%.
How often does IROQ pay dividends?
IF Bancorp, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.41 per share. Dividend data on this page covers 12+ years from 2013 to 2025.
How much would $10,000 invested in IROQ grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in IROQ five years ago would be worth approximately $12,374 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is IROQ's yield on cost for long-term holders?
IROQ's yield on cost — the current dividend divided by the original purchase price — is +2.0% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.5% market yield, thanks to consistent dividend growth.