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STOCKS

IF Bancorp Inc (IROQ)

:IROQ

IROQ

IF Bancorp

RESEARCH TOOLSreports

IF Bancorp (IROQ) Ratios

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28 Followers

IF Bancorp Ratios

IROQ's free cash flow for Q4 2025 was $0.60. For the 2025 fiscal year, IROQ's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	<0.01	0.27	6.60	3.56K	79.56
Quick Ratio	<0.01	0.27	17.30	3.56K	100.55
Cash Ratio	0.03	0.01	6.60	430.74	19.61
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	<0.01	<0.01	1.66	49.26	2.15
Short-Term Operating Cash Flow Coverage	0.28	0.13	0.00	0.00	2.29
Net Current Asset Value	$ -802.28M	$ -610.08M	$ -766.24M	$ -160.22M	$ -457.51M
Leverage Ratios
Debt-to-Assets Ratio	0.08	0.09	0.02	0.02	0.04
Debt-to-Equity Ratio	0.89	1.03	0.27	0.21	0.33
Debt-to-Capital Ratio	0.47	0.51	0.21	0.17	0.25
Long-Term Debt-to-Capital Ratio	0.37	0.44	0.21	0.17	0.23
Financial Leverage Ratio	10.85	12.01	11.83	11.97	9.35
Debt Service Coverage Ratio	0.27	0.06	0.53	2.55	0.84
Interest Coverage Ratio	-1.14	0.10	0.62	4.09	1.77
Debt to Market Cap	0.87	1.45	0.43	0.26	0.40
Interest Debt Per Share	20.64	31.70	9.50	5.71	10.59
Net Debt to EBITDA	7.75	21.88	1.23	-7.15	-4.31
Profitability Margins
Gross Profit Margin	42.71%	48.67%	100.00%	100.00%	100.00%
EBIT Margin	14.44%	5.19%	24.02%	28.19%	27.92%
EBITDA Margin	14.12%	6.67%	26.56%	30.62%	30.49%
Operating Profit Margin	14.44%	5.19%	24.02%	37.30%	27.92%
Pretax Profit Margin	14.44%	5.19%	24.02%	28.19%	27.92%
Net Profit Margin	10.49%	3.95%	17.88%	20.83%	20.23%
Continuous Operations Profit Margin	10.49%	3.95%	17.88%	20.83%	20.23%
Net Income Per EBT	72.64%	76.01%	74.44%	73.90%	72.44%
EBT Per EBIT	100.00%	100.00%	100.00%	75.58%	100.00%
Return on Assets (ROA)	0.57%	0.20%	0.55%	0.67%	0.67%
Return on Equity (ROE)	6.42%	2.42%	6.49%	8.07%	6.27%
Return on Capital Employed (ROCE)	4.24%	1.68%	0.74%	1.21%	0.93%
Return on Invested Capital (ROIC)	2.63%	1.14%	2.09%	0.89%	1.18%
Return on Tangible Assets	0.57%	0.20%	0.55%	0.68%	0.67%
Earnings Yield	6.06%	3.42%	10.37%	9.92%	7.72%
Efficiency Ratios
Receivables Turnover	13.62	13.12	0.00	13.73	0.00
Payables Turnover	8.29	7.74	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	4.29	2.35	2.92	2.70
Asset Turnover	0.05	0.05	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.08	-0.08	0.08	0.06	0.12
Cash Conversion Cycle	-17.23	-19.35	0.00	26.59	0.00
Days of Sales Outstanding	26.80	27.81	0.00	26.59	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	44.03	47.16	0.00	0.00	0.00
Operating Cycle	26.80	27.81	0.00	26.59	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	2.09	0.73	0.89	2.82	2.26
Free Cash Flow Per Share	2.01	0.65	0.17	2.70	2.17
CapEx Per Share	0.07	0.08	0.72	0.13	0.09
Free Cash Flow to Operating Cash Flow	0.96	0.89	0.19	0.96	0.96
Dividend Paid and CapEx Coverage Ratio	4.42	1.50	0.79	5.96	5.78
Capital Expenditure Coverage Ratio	27.94	9.24	1.23	22.40	24.61
Operating Cash Flow Coverage Ratio	0.09	0.03	0.14	0.58	0.25
Operating Cash Flow to Sales Ratio	0.14	0.05	0.11	0.31	0.26
Free Cash Flow Yield	7.80%	3.89%	1.15%	14.20%	9.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	16.51	29.22	9.65	10.08	12.96
Price-to-Sales (P/S) Ratio	1.73	1.15	1.72	2.10	2.62
Price-to-Book (P/B) Ratio	1.02	0.71	0.63	0.81	0.81
Price-to-Free Cash Flow (P/FCF) Ratio	12.81	25.69	87.12	7.04	10.52
Price-to-Operating Cash Flow Ratio	12.37	22.91	16.25	6.73	10.09
Price-to-Earnings Growth (PEG) Ratio	0.96	-0.47	-0.48	1.48	0.46
Price-to-Fair Value	1.02	0.71	0.63	0.81	0.81
Enterprise Value Multiple	20.01	39.16	7.72	-0.29	4.29
Enterprise Value	136.37M	118.51M	53.47M	-2.48M	34.54M
EV to EBITDA	20.01	39.16	7.72	-0.29	4.29
EV to Sales	2.82	2.61	2.05	-0.09	1.31
EV to Free Cash Flow	20.92	58.21	103.62	-0.30	5.24
EV to Operating Cash Flow	20.17	51.91	19.33	-0.29	5.03
Tangible Book Value Per Share	24.83	23.12	22.57	22.87	27.74
Shareholders’ Equity Per Share	25.27	23.60	23.05	23.34	28.08
Tax and Other Ratios
Effective Tax Rate	0.27	0.24	0.26	0.26	0.28
Revenue Per Share	14.91	14.48	8.37	9.04	8.70
Net Income Per Share	1.56	0.57	1.50	1.88	1.76
Tax Burden	0.73	0.76	0.74	0.74	0.72
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.22	0.28	0.51	0.49	0.47
Stock-Based Compensation to Revenue	<0.01	0.01	0.03	0.02	0.02
Income Quality	1.57	1.28	0.59	1.50	1.28

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