IF Bancorp, Inc. (IROQ) Financial Ratios
17 years of historical data (2009–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
21.69
↑+48% vs avg
5yr avg: 14.67
30Y Low0.8·High52.4
P/FCF
↑
13.65
↓-53% vs avg
5yr avg: 28.78
30Y Low7.2·High89.4
P/B Ratio
↑
1.02
↑+30% vs avg
5yr avg: 0.78
30Y Low0.6·High1.1
ROE
↓
5.5%
-2% vs avg
5yr avg: 5.6%
30Y Low2%·High8%
Debt/EBITDA
↑
11.15
+17% vs avg
5yr avg: 9.55
30Y Low2.9·High31.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
IROQ Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
IF Bancorp, Inc. trades at 19.4x earnings, 22% above its 5-year average of 15.9x, sitting at the 57th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 47%. On a free-cash-flow basis, the stock trades at 13.6x P/FCF, 53% below the 5-year average of 28.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $89M | $77M | $51M | $46M | $60M | $70M | $54M | $74M | $88M | $72M | $68M |
| Enterprise Value | $142M | $130M | $117M | $64M | $7M | $39M | $59M | $37M | $152M | $119M | $133M |
| P/E Ratio → | 19.38 | 17.77 | 28.39 | 9.89 | 10.33 | 13.10 | 12.78 | 20.70 | 50.85 | 18.40 | 19.31 |
| P/S Ratio | 1.84 | 1.59 | 1.12 | 1.28 | 1.97 | 2.30 | 1.71 | 2.39 | 3.29 | 2.78 | 2.80 |
| P/B Ratio | 1.02 | 0.94 | 0.69 | 0.64 | 0.83 | 0.82 | 0.66 | 0.90 | 1.08 | 0.86 | 0.82 |
| P/FCF | 13.65 | 11.77 | 24.89 | 89.41 | 7.19 | 10.66 | 8.06 | 15.74 | — | 16.22 | 13.39 |
| P/OCF | 13.16 | 11.35 | 22.20 | 16.68 | 6.87 | 10.22 | 7.87 | 12.73 | 18.27 | 11.78 | 12.86 |
P/E links to full P/E history page with 30-year chart
IROQ EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
IF Bancorp, Inc.'s enterprise value stands at 21.7x EBITDA, 48% above its 5-year average of 14.7x. The Financial Services sector median is 11.5x, placing the stock at a 89% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.68 | 2.58 | 1.77 | 0.22 | 1.29 | 1.86 | 1.21 | 5.64 | 4.55 | 5.44 |
| EV / EBITDA | 21.69 | 19.82 | 38.62 | 9.27 | 0.77 | 4.90 | 9.01 | 6.80 | 30.76 | 18.19 | 22.17 |
| EV / EBIT | 23.97 | 21.90 | 49.63 | 10.25 | 0.83 | 5.35 | 10.04 | 7.68 | 33.98 | 19.14 | 23.87 |
| EV / FCF | — | 19.87 | 57.41 | 124.39 | 0.79 | 5.99 | 8.77 | 7.94 | — | 26.57 | 26.04 |
IROQ Profitability
Margins and return-on-capital ratios measuring operating efficiency
IF Bancorp, Inc. earns an operating margin of 12.2%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 17.3% to 12.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 5.5% is modest, trailing the sector median of 9.4%. ROIC of 2.9% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.7% | 54.7% | 48.7% | 72.8% | 90.0% | 83.6% | 72.2% | 70.0% | 77.4% | 79.5% | 80.9% |
| Operating Margin | 12.2% | 12.2% | 5.2% | 17.3% | 25.8% | 24.1% | 18.5% | 15.7% | 16.6% | 23.7% | 22.8% |
| Net Profit Margin | 8.9% | 8.9% | 3.9% | 12.9% | 19.1% | 17.5% | 13.4% | 11.5% | 6.5% | 15.0% | 14.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.5% | 5.5% | 2.5% | 6.5% | 7.4% | 6.4% | 5.1% | 4.3% | 2.1% | 4.7% | 4.3% |
| ROA | 0.5% | 0.5% | 0.2% | 0.5% | 0.7% | 0.7% | 0.6% | 0.5% | 0.3% | 0.7% | 0.6% |
| ROIC | 2.9% | 2.9% | 1.4% | 4.7% | 5.4% | 4.5% | 3.8% | 2.8% | 2.3% | 3.1% | 2.8% |
| ROCE | 3.9% | 3.9% | 2.0% | 6.3% | 7.2% | 6.0% | 4.9% | 3.6% | 3.0% | 4.1% | 3.7% |
IROQ Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
IF Bancorp, Inc. carries a Debt/EBITDA ratio of 11.2x, which is highly leveraged (169% above the sector average of 4.1x). Net debt stands at $53M ($73M total debt minus $20M cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.89 | 0.89 | 1.03 | 0.42 | 0.34 | 0.40 | 0.50 | 0.32 | 0.85 | 0.66 | 0.85 |
| Debt / EBITDA | 11.15 | 11.15 | 25.12 | 4.37 | 2.85 | 4.25 | 6.29 | 4.75 | 14.15 | 8.54 | 11.88 |
| Net Debt / Equity | — | 0.65 | 0.90 | 0.25 | -0.74 | -0.36 | 0.06 | -0.44 | 0.77 | 0.55 | 0.77 |
| Net Debt / EBITDA | 8.08 | 8.08 | 21.88 | 2.61 | -6.24 | -3.81 | 0.73 | -6.68 | 12.83 | 7.08 | 10.77 |
| Debt / FCF | — | 8.10 | 32.51 | 34.98 | -6.41 | -4.67 | 0.71 | -7.80 | — | 10.35 | 12.65 |
| Interest Coverage | 0.26 | 0.26 | 0.10 | 0.62 | 3.09 | 1.77 | 0.68 | 0.55 | 0.84 | 1.71 | 1.68 |
IROQ Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.00x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.29x to 0.00x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.00 | 0.00 | 0.27 | 0.29 | 0.39 | 0.38 | 0.33 | 0.35 | 0.28 | 0.28 | 0.30 |
| Quick Ratio | 0.00 | 0.00 | 0.27 | 0.29 | 0.39 | 0.38 | 0.33 | 0.35 | 0.28 | 0.28 | 0.30 |
| Cash Ratio | 0.03 | 0.03 | 0.01 | 0.02 | 0.10 | 0.10 | 0.06 | 0.10 | 0.01 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
IROQ Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
IF Bancorp, Inc. returns 1.5% to shareholders annually primarily through dividends. The payout ratio of 29.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 5.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.5% | 1.7% | 2.5% | 2.8% | 1.8% | 1.3% | 1.7% | 1.2% | 0.8% | 0.8% | 0.7% |
| Payout Ratio | 29.9% | 29.9% | 71.5% | 27.2% | 18.4% | 17.0% | 22.1% | 24.4% | 42.0% | 15.0% | 13.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.2% | 5.6% | 3.5% | 10.1% | 9.7% | 7.6% | 7.8% | 4.8% | 2.0% | 5.4% | 5.2% |
| FCF Yield | 7.3% | 8.5% | 4.0% | 1.1% | 13.9% | 9.4% | 12.4% | 6.4% | — | 6.2% | 7.5% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 13.7% | 8.4% | 1.6% | 1.9% | 2.1% |
| Total Shareholder Yield | 1.5% | 1.7% | 2.5% | 2.8% | 1.8% | 1.3% | 15.5% | 9.6% | 2.4% | 2.7% | 2.8% |
| Shares Outstanding | — | $3M | $3M | $3M | $3M | $3M | $3M | $4M | $4M | $4M | $4M |
Peer Comparison
Compare IROQ with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 IROQYou | $89M | 19.4 | 21.7 | 13.6 | 54.7% | 12.2% | 5.5% | 2.9% | 11.2 |
 NECB | $339M | 7.5 | 5.3 | 6.7 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 CLBK | $2B | -175.5 | — | 78.2 | 36.5% | -3.5% | -1.1% | -0.5% | — |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 KRNY | $508M | 19.2 | 44.5 | 23.8 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NFBK | $588M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 BSVN | $416M | 9.8 | 2.9 | 9.0 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 CFFN | $1B | 15.0 | 29.9 | 20.4 | 47.3% | 19.9% | 6.5% | 2.0% | 21.5 |
 TRST | $858M | 14.9 | 11.1 | 18.8 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 FHN | $12B | 13.0 | 11.6 | 18.9 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 17 years · Updated daily
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Start ComparisonIROQ — Frequently Asked Questions
Quick answers to the most common questions about buying IROQ stock.
What is IF Bancorp, Inc.'s P/E ratio?
IF Bancorp, Inc.'s current P/E ratio is 19.4x. The historical average is 21.4x. This places it at the 57th percentile of its historical range.
What is IF Bancorp, Inc.'s EV/EBITDA?
IF Bancorp, Inc.'s current EV/EBITDA is 21.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 19.8x.
What is IF Bancorp, Inc.'s ROE?
IF Bancorp, Inc.'s return on equity (ROE) is 5.5%. The historical average is 5.1%.
Is IROQ stock overvalued?
Based on historical data, IF Bancorp, Inc. is trading at a P/E of 19.4x. This is at the 57th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is IF Bancorp, Inc.'s dividend yield?
IF Bancorp, Inc.'s current dividend yield is 1.54% with a payout ratio of 29.9%.
What are IF Bancorp, Inc.'s profit margins?
IF Bancorp, Inc. has 54.7% gross margin and 12.2% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does IF Bancorp, Inc. have?
IF Bancorp, Inc.'s Debt/EBITDA ratio is 11.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.