IF Bancorp, Inc. (IROQ) Earnings History
Annual and quarterly earnings data from 2009 to 2025
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IROQ EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
IROQ Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 54.7% | 12.2% | 8.9% |
| 2024 | 48.7% | 5.2% | 3.9% |
| 2023 | 72.8% | 17.3% | 12.9% |
| 2022 | 90.0% | 25.8% | 19.1% |
| 2021 | 83.6% | 24.1% | 17.5% |
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IF Bancorp, Inc. (IROQ) Earnings Overview
As of May 8, 2026, IF Bancorp, Inc. (IROQ) reported trailing twelve-month net income of $5M, reflecting +140.4% year-over-year growth. The company earned $1.56 per diluted share over the past four quarters, with a net profit margin of 8.9%.
Looking at the long-term picture, IROQ's 5-year EPS compound annual growth rate (CAGR) stands at +0.3%, reflecting modest earnings expansion. The company achieved its highest annual net income of $6M in fiscal 2022.
IF Bancorp, Inc. maintains positive profitability with a gross margin of 54.7%, operating margin of 12.2%, and net margin of 8.9%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NECB ($44M net income, 28.2% margin), CLBK ($15M net income, -2.6% margin), NBTB ($169M net income, 19.5% margin), IROQ has room to improve margins relative to the peer group. Compare IROQ vs NECB →
IROQ Earnings vs Peers
Earnings metrics vs comparable public companies
IROQ Historical Earnings Data (2009–2025)
17 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $4M | +140.4% | $6M | $1.37 | 8.9% | 12.2% |
| 2024 | $2M | -61.6% | $2M | $0.57 | 3.9% | 5.2% |
| 2023 | $5M | -19.4% | $6M | $1.46 | 12.9% | 17.3% |
| 2022 | $6M | +8.2% | $8M | $1.84 | 19.1% | 25.8% |
| 2021 | $5M | +26.0% | $7M | $1.74 | 17.5% | 24.1% |
| 2020 | $4M | +19.3% | $6M | $1.35 | 13.4% | 18.5% |
| 2019 | $4M | +104.7% | $5M | $1.01 | 11.5% | 15.7% |
| 2018 | $2M | -55.7% | $4M | $0.47 | 6.5% | 16.6% |
| 2017 | $4M | +9.9% | $6M | $1.06 | 15.0% | 23.7% |
| 2016 | $4M | +8.9% | $6M | $0.95 | 14.6% | 22.8% |
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Start ComparisonIROQ — Frequently Asked Questions
Quick answers to the most common questions about buying IROQ stock.
Is IROQ growing earnings?
IROQ EPS is $1.56, with earnings growth accelerating to +140.4%. This exceeds the 5-year CAGR of +0.3%. TTM net income reached $5M.
What are IROQ's profit margins?
IF Bancorp, Inc. net margin is +8.9%, with operating margin at +12.2%. Margins sit within typical range for the sector.
How consistent are IROQ's earnings?
IROQ earnings data spans 2009-2025. The accelerating earnings trend is +140.4% YoY. Historical data enables comparison across business cycles.