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If Bancorp Inc. (IROQ)
NASDAQ:IROQ
US Market
IROQ
IF Bancorp
RESEARCH TOOLSreports

IF Bancorp (IROQ) Ratios

Compare
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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 <0.01 <0.01 0.27 6.60 3.56K
Quick Ratio
 <0.01 <0.01 0.27 17.30 3.56K
Cash Ratio
 0.03 0.03 0.01 6.60 430.74
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 <0.01 <0.01 <0.01 1.66 49.26
Short-Term Operating Cash Flow Coverage
 0.28 0.28 0.13 0.00 0.00
Net Current Asset Value
$ -802.28M$ -802.28M$ -610.08M$ -766.24M$ -160.22M
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.09 0.02 0.02
Debt-to-Equity Ratio
 0.89 0.89 1.03 0.27 0.21
Debt-to-Capital Ratio
 0.47 0.47 0.51 0.21 0.17
Long-Term Debt-to-Capital Ratio
 0.37 0.37 0.44 0.21 0.17
Financial Leverage Ratio
 10.85 10.85 12.01 11.83 11.97
Debt Service Coverage Ratio
 0.27 0.11 0.06 0.53 2.55
Interest Coverage Ratio
 -1.14 0.26 0.10 0.62 4.09
Debt to Market Cap
 0.86 0.91 1.45 0.43 0.26
Interest Debt Per Share
 20.64 29.16 31.70 9.50 5.71
Net Debt to EBITDA
 7.75 8.08 21.88 1.23 -7.15
Profitability Margins
Gross Profit Margin
42.71%54.72%48.67%100.00%100.00%
EBIT Margin
14.44%12.23%5.19%24.02%28.19%
EBITDA Margin
14.12%13.52%6.67%26.56%30.62%
Operating Profit Margin
14.44%12.23%5.19%24.02%37.30%
Pretax Profit Margin
14.44%12.23%5.19%24.02%28.19%
Net Profit Margin
10.49%8.90%3.95%17.88%20.83%
Continuous Operations Profit Margin
10.49%8.90%3.95%17.88%20.83%
Net Income Per EBT
72.64%72.74%76.01%74.44%73.90%
EBT Per EBIT
100.00%100.00%100.00%100.00%75.58%
Return on Assets (ROA)
0.57%0.48%0.20%0.55%0.67%
Return on Equity (ROE)
6.42%5.26%2.42%6.49%8.07%
Return on Capital Employed (ROCE)
4.24%3.60%1.68%0.74%1.21%
Return on Invested Capital (ROIC)
2.63%2.24%1.14%2.09%0.89%
Return on Tangible Assets
0.57%0.49%0.20%0.55%0.68%
Earnings Yield
6.01%5.40%3.42%10.37%9.92%
Efficiency Ratios
Receivables Turnover
 13.62 13.64 13.12 0.00 13.73
Payables Turnover
 8.29 -0.38 7.74 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 4.29 2.35 2.92
Asset Turnover
 0.05 0.05 0.05 0.03 0.03
Working Capital Turnover Ratio
 -0.08 -0.08 -0.08 0.08 0.06
Cash Conversion Cycle
 -17.23 995.75 -19.35 0.00 26.59
Days of Sales Outstanding
 26.80 26.75 27.81 0.00 26.59
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 44.03 -968.99 47.16 0.00 0.00
Operating Cycle
 26.80 26.75 27.81 0.00 26.59
Cash Flow Ratios
Operating Cash Flow Per Share
 2.09 2.06 0.73 0.89 2.82
Free Cash Flow Per Share
 2.01 1.99 0.65 0.17 2.70
CapEx Per Share
 0.07 0.07 0.08 0.72 0.13
Free Cash Flow to Operating Cash Flow
 0.96 0.96 0.89 0.19 0.96
Dividend Paid and CapEx Coverage Ratio
 4.42 4.42 1.50 0.79 5.96
Capital Expenditure Coverage Ratio
 27.94 27.94 9.24 1.23 22.40
Operating Cash Flow Coverage Ratio
 0.09 0.09 0.03 0.14 0.58
Operating Cash Flow to Sales Ratio
 0.14 0.14 0.05 0.11 0.31
Free Cash Flow Yield
7.73%8.17%3.89%1.15%14.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 16.65 18.53 29.22 9.65 10.08
Price-to-Sales (P/S) Ratio
 1.75 1.65 1.15 1.72 2.10
Price-to-Book (P/B) Ratio
 1.03 0.97 0.71 0.63 0.81
Price-to-Free Cash Flow (P/FCF) Ratio
 12.94 12.24 25.69 87.12 7.04
Price-to-Operating Cash Flow Ratio
 12.47 11.80 22.91 16.25 6.73
Price-to-Earnings Growth (PEG) Ratio
 0.97 0.13 -0.47 -0.48 1.48
Price-to-Fair Value
 1.03 0.97 0.71 0.63 0.81
Enterprise Value Multiple
 20.12 20.28 39.16 7.72 -0.29
Enterprise Value
 137.17M 132.60M 118.51M 53.47M -2.48M
EV to EBITDA
 20.12 20.28 39.16 7.72 -0.29
EV to Sales
 2.84 2.74 2.61 2.05 -0.09
EV to Free Cash Flow
 21.04 20.34 58.21 103.62 -0.30
EV to Operating Cash Flow
 20.29 19.61 51.91 19.33 -0.29
Tangible Book Value Per Share
 24.83 24.54 23.12 22.57 22.87
Shareholders’ Equity Per Share
 25.27 24.98 23.60 23.05 23.34
Tax and Other Ratios
Effective Tax Rate
 0.27 0.27 0.24 0.26 0.26
Revenue Per Share
 14.91 14.76 14.48 8.37 9.04
Net Income Per Share
 1.56 1.31 0.57 1.50 1.88
Tax Burden
 0.73 0.73 0.76 0.74 0.74
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 0.29 0.28 0.51 0.49
Stock-Based Compensation to Revenue
 <0.01 0.00 0.01 0.03 0.02
Income Quality
 1.57 1.57 1.28 0.59 1.50
Currency in USD