IROQ
IF Bancorp Inc
NASDAQ: IROQ · FINANCIAL SERVICES · BANKS - REGIONAL
$26.55
+0.00% today
Updated 2026-03-16
Market cap
$88.98M
P/E ratio
16.19
P/S ratio
3.12x
EPS (TTM)
$1.64
Dividend yield
—
52W range
$23 – $29
Volume
0.0M
IF Bancorp Inc (IROQ) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $21.22M | $21.80M | $20.75M | $21.74M | $22.04M | $21.83M | $22.11M | $24.47M | $26.08M | $26.89M | $30.89M | $31.77M | $30.59M | $30.29M | $26.07M | $45.37M | $48.37M |
| Revenue growth (YoY) | — | +2.8% | -4.8% | +4.8% | +1.4% | -1.0% | +1.3% | +10.7% | +6.6% | +3.1% | +14.9% | +2.8% | -3.7% | -1.0% | -13.9% | +74.1% | +6.6% |
| Cost of revenue | $9.07M | $8.59M | $6.34M | $4.91M | $3.69M | $3.65M | $3.69M | $4.68M | $5.34M | $6.07M | $9.26M | $8.82M | $5.02M | $3.02M | $9.85M | $23.29M | $21.90M |
| Gross profit | $12.15M | $13.21M | $14.41M | $16.83M | $18.35M | $18.18M | $18.42M | $19.79M | $20.74M | $20.82M | $21.63M | $22.94M | $25.56M | $27.27M | $26.07M | $22.08M | $26.47M |
| Gross margin | 57.3% | 60.6% | 69.5% | 77.4% | 83.2% | 83.3% | 83.3% | 80.9% | 79.5% | 77.4% | 70.0% | 72.2% | 83.6% | 90.0% | 100.0% | 48.7% | 54.7% |
| R&D | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — |
| SG&A | $6.14M | $6.64M | $7.47M | $7.97M | $8.74M | $9.18M | $9.33M | $9.91M | $10.20M | $10.47M | $11.29M | $11.60M | $12.52M | $13.44M | $13.25M | $12.82M | $13.93M |
| Operating income | $3.77M | $4.07M | $4.23M | $1.96M | $5.77M | $5.34M | $5.11M | $5.58M | $6.19M | $4.46M | $4.85M | $5.88M | $7.38M | $7.83M | $6.26M | $2.35M | $5.92M |
| Operating margin | 17.8% | 18.7% | 20.4% | 9.0% | 26.2% | 24.5% | 23.1% | 22.8% | 23.7% | 16.6% | 15.7% | 18.5% | 24.1% | 25.8% | 24.0% | 5.2% | 12.2% |
| EBITDA | $4.06M | $4.31M | $4.62M | $2.39M | $6.21M | $5.76M | $5.54M | $6.01M | $6.52M | $4.93M | $5.48M | $6.55M | $8.06M | $8.50M | $6.92M | $3.03M | $6.54M |
| EBITDA margin | 19.1% | 19.8% | 22.3% | 11.0% | 28.2% | 26.4% | 25.1% | 24.6% | 25.0% | 18.3% | 17.7% | 20.6% | 26.4% | 28.1% | 26.6% | 6.7% | 13.5% |
| EBIT | $3.77M | $4.07M | $4.23M | $1.96M | $5.77M | $5.34M | $5.11M | $5.58M | $6.19M | $4.46M | $4.85M | $5.88M | $7.38M | $7.83M | $6.26M | $2.35M | $5.92M |
| Interest expense | $8.66M | $6.71M | $4.99M | $3.78M | $3.10M | $3.15M | $3.23M | $3.31M | $3.62M | $5.29M | $8.85M | $8.69M | $4.18M | $2.53M | $10.07M | $23.25M | $22.60M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $2.41M | $2.68M | $2.83M | $1.40M | $3.71M | $3.48M | $3.27M | $3.57M | $3.92M | $1.74M | $3.56M | $4.25M | $5.35M | $5.78M | $4.66M | $1.79M | $4.30M |
| Net income growth (YoY) | — | +11.2% | +5.7% | -50.5% | +165.0% | -6.3% | -5.8% | +8.9% | +9.9% | -55.7% | +104.7% | +19.3% | +26.0% | +8.2% | -19.4% | -61.6% | +140.4% |
| Profit margin | 11.3% | 12.3% | 13.6% | 6.4% | 16.8% | 15.9% | 14.8% | 14.6% | 15.0% | 6.5% | 11.5% | 13.4% | 17.5% | 19.1% | 17.9% | 3.9% | 8.9% |