IF Bancorp, Inc.(IROQ)Earnings, Financials & Key Ratios
IROQ•NASDAQ•Banking & Credit
$26.55
19.4× P/E·Price updated Jun 20, 2026
AboutIF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial services to individual and corporate clients. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, individual retirement accounts, and health savings accounts. It also provides loans comprising one- to four-family residential mortgage loans; multi-family mortgage loans; commercial real estate loans, such as farm loans; home equity lines of credit; commercial business loans; and consumer loans primarily consisting of automobile loans, as well as construction loans and land development loans. In addition, the company sells property and casualty insurance, as well as offers annuities; mutual funds; individual and group retirement plans; life, disability, and health insurance; individual securities; managed accounts; and other financial services. Further, it invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. As of August 31, 2021, it operated a network of seven full-service banking offices located in Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais, and Champaign, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.Show more
- Net Interest Income$20M+17.3%
- Total Revenue$48M+6.6%
- Net Income$4M+140.4%
- Return on Equity5.53%+124.9%
- Net Interest Margin2.29%+17.3%
- Efficiency Ratio42.49%-2.3%
- ROA0.48%+135.2%
- Equity / Assets9.22%+10.7%
- Book Value per Share25.97+10.1%
IROQ Price & Volume
IF Bancorp, Inc. (IROQ) stock price & volume — 10-year historical chart
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Persistent Margin Constraints Offset Revenue Growth Momentum
Investment Thesis • Updated 2026Q2
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Geographic and NIM concentration
Key Thesis Takeaways
- IF Bancorp demonstrates accelerating net interest income growth of 21.5% as of 2026Q2, yet the bank remains constrained by a stagnant 0.7% net interest margin and significant provisioning volatility, including a $22.2 million charge in 2025Q4.
- While the bank maintains a stable dividend payout of $647,000, the contraction of total assets from $910.8 million in 2024Q2 to $830.4 million suggests a defensive posture in a challenging interest rate environment.
- Investors should monitor the bank's reliance on securities portfolio cycling to manage liquidity, as the efficiency ratio remains elevated between 40.5% and 46.5%.
Verdict Logic
while the bank shows 21.5% net interest income growth, the persistent 0.7% net interest margin and historical provisioning volatility of $22.2 million in 2025Q4 warrant a cautious wait-and-see approach.
IROQ Growth Metrics
IF Bancorp, Inc. (IROQ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.14%
5 Years8.77%
3 Years16.88%
TTM-
Profit CAGR
10 Years2.77%
5 Years0.28%
3 Years-9.38%
TTM72.92%
EPS CAGR
10 Years5.14%
5 Years0.29%
3 Years-9.36%
TTM72.04%
Return on Capital
10 Years4.47%
5 Years5.08%
3 Years4.06%
Last Year3.89%
Peers Comparison
Key metrics vs top competitors for IF Bancorp, Inc. (IROQ)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $26.55 | $88.98M | 19.38 | 6.61% | 8.9% | 5.53% | 1.54% | |
| $28.32 | $391.78M | 8.71 | -1.55% | 28.51% | 12.62% | — | |
| $21.27 | $2.21B | 41.71 | 11.94% | 11% | 4.87% | — | |
| $50.25 | $2.61B | 15.09 | 10.36% | 19.66% | 9.83% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $9.54 | $600.38M | 22.71 | 5.09% | 10.39% | 4.75% | — |
Compare IROQ vs Peers
IF Bancorp, Inc. (IROQ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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IROQ Frequently Asked Questions
IF Bancorp, Inc. (IROQ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is IF Bancorp, Inc. growing?
IF Bancorp, Inc. (IROQ) grew revenue by 6.6% over the past year. This is steady growth.
Is IROQ profitable?
Yes, IF Bancorp, Inc. (IROQ) is profitable, generating $5.2M in net income for fiscal year 2025 (8.9% net margin).
Dividend & Returns
Does IROQ pay dividends?
Yes, IF Bancorp, Inc. (IROQ) pays a dividend with a yield of 1.54%. This makes it attractive for income-focused investors.
What is IROQ's return on equity?
IF Bancorp, Inc. (IROQ) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is IF Bancorp, Inc.'s net interest margin?
IF Bancorp, Inc. (IROQ) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.
What is IF Bancorp, Inc.'s efficiency ratio?
IF Bancorp, Inc. (IROQ) has an efficiency ratio of 42.5%. This is excellent, indicating strong cost control.