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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 Q2 2026 was $0.61. For the 2026 fiscal year, IROQ's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.
Ratios
TTM
Jun 25Jun 24Jun 23Jun 22
Liquidity Ratios
Current Ratio
 11.55 <0.01 0.27 0.29 0.39
Quick Ratio
 11.55 <0.01 0.27 0.29 0.39
Cash Ratio
 0.45 0.03 0.01 0.02 0.10
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.35 <0.01 <0.01 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.35 0.28 0.13 0.26 0.94
Net Current Asset Value
$ -546.84M$ -802.28M$ -610.08M$ -560.90M$ -485.66M
Leverage Ratios
Debt-to-Assets Ratio
 0.10 0.08 0.09 0.04 0.03
Debt-to-Equity Ratio
 0.96 0.89 1.03 0.42 0.34
Debt-to-Capital Ratio
 0.49 0.47 0.51 0.30 0.25
Long-Term Debt-to-Capital Ratio
 0.43 0.37 0.44 0.21 0.17
Financial Leverage Ratio
 9.50 10.85 12.01 11.83 11.97
Debt Service Coverage Ratio
 0.35 0.11 0.06 0.26 0.55
Interest Coverage Ratio
 -2.72 0.26 0.10 0.62 3.09
Debt to Market Cap
 0.94 0.91 1.45 0.67 0.42
Interest Debt Per Share
 24.97 29.16 31.70 12.96 8.72
Net Debt to EBITDA
 10.91 8.08 21.88 2.61 -6.24
Profitability Margins
Gross Profit Margin
59.53%54.72%48.67%72.78%90.03%
EBIT Margin
14.87%12.23%5.19%17.31%25.84%
EBITDA Margin
14.55%13.52%6.67%19.14%28.07%
Operating Profit Margin
14.87%12.23%5.19%17.31%25.84%
Pretax Profit Margin
14.87%12.23%5.19%17.31%25.84%
Net Profit Margin
10.82%8.90%3.95%12.88%19.10%
Continuous Operations Profit Margin
10.82%8.90%3.95%12.88%19.10%
Net Income Per EBT
72.74%72.74%76.01%74.44%73.90%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.62%0.48%0.20%0.55%0.67%
Return on Equity (ROE)
6.22%5.26%2.42%6.49%8.07%
Return on Capital Employed (ROCE)
0.87%3.60%1.68%6.19%8.14%
Return on Invested Capital (ROIC)
2.51%2.24%1.14%4.16%5.49%
Return on Tangible Assets
0.62%0.49%0.20%0.55%0.68%
Earnings Yield
6.01%5.40%3.42%10.37%9.92%
Efficiency Ratios
Receivables Turnover
 12.81 13.64 13.12 13.01 14.97
Payables Turnover
 9.33 11.77 7.74 5.91 17.16
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.78 0.00 4.29 3.26 3.19
Asset Turnover
 0.06 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 -0.30 -0.08 -0.08 -0.07 -0.07
Cash Conversion Cycle
 -10.61 -4.26 -19.35 -33.69 3.11
Days of Sales Outstanding
 28.50 26.75 27.81 28.06 24.38
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 39.10 31.01 47.16 61.75 21.26
Operating Cycle
 28.50 26.75 27.81 28.06 24.38
Cash Flow Ratios
Operating Cash Flow Per Share
 1.85 2.06 0.73 0.89 2.82
Free Cash Flow Per Share
 1.82 1.99 0.65 0.17 2.70
CapEx Per Share
 0.03 0.07 0.08 0.72 0.13
Free Cash Flow to Operating Cash Flow
 0.98 0.96 0.89 0.19 0.96
Dividend Paid and CapEx Coverage Ratio
 4.33 4.42 1.50 0.79 5.96
Capital Expenditure Coverage Ratio
 60.74 27.94 9.24 1.23 22.40
Operating Cash Flow Coverage Ratio
 0.07 0.09 0.03 0.09 0.36
Operating Cash Flow to Sales Ratio
 0.13 0.14 0.05 0.08 0.29
Free Cash Flow Yield
6.65%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
 1.86 1.65 1.15 1.24 1.93
Price-to-Book (P/B) Ratio
 0.99 0.97 0.71 0.63 0.81
Price-to-Free Cash Flow (P/FCF) Ratio
 15.05 12.24 25.69 87.12 7.04
Price-to-Operating Cash Flow Ratio
 14.32 11.80 22.91 16.25 6.73
Price-to-Earnings Growth (PEG) Ratio
 8.71 0.13 -0.47 -0.48 1.48
Price-to-Fair Value
 0.99 0.97 0.71 0.63 0.81
Enterprise Value Multiple
 23.70 20.28 39.16 9.10 0.62
Enterprise Value
 164.91M 132.60M 118.51M 63.01M 5.26M
EV to EBITDA
 23.70 20.28 39.16 9.10 0.62
EV to Sales
 3.45 2.74 2.61 1.74 0.17
EV to Free Cash Flow
 27.88 20.34 58.21 122.10 0.64
EV to Operating Cash Flow
 27.43 19.61 51.91 22.78 0.61
Tangible Book Value Per Share
 26.50 24.54 23.12 22.57 22.87
Shareholders’ Equity Per Share
 26.94 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
 14.74 14.76 14.48 11.62 9.87
Net Income Per Share
 1.59 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
 0.23 0.29 0.28 0.37 0.44
Stock-Based Compensation to Revenue
 <0.01 0.01 0.01 0.02 0.02
Income Quality
 1.16 1.57 1.28 0.59 1.50
Currency in USD