Financial Snapshot

Revenue
$31.95M
TTM
Gross Margin
Net Earnings
$1.957M
TTM
Current Assets
Current Liabilities
$21.18M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$78.77M
Q3 2024
Cash
Q3 2024
P/E
38.79
Nov 29, 2024 EST
Free Cash Flow
$3.220M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Revenue $40.98M $32.07M $24.79M $24.36M $26.98M $26.73M $22.79M $21.34M $20.37M $18.90M $18.96M $17.61M $18.00M
YoY Change 27.79% 29.36% 1.79% -9.73% 0.96% 17.25% 6.82% 4.74% 7.82% -0.35% 7.67% -2.17%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Revenue $40.98M $32.07M $24.79M $24.36M $26.98M $26.73M $22.79M $21.34M $20.37M $18.90M $18.96M $17.61M $18.00M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $671.0K $663.0K $675.0K $679.0K $671.0K $628.0K $468.0K $324.0K $428.0K $430.0K $418.0K $447.0K $430.0K $390.0K $240.0K $290.0K
YoY Change 1.21% -1.78% -0.59% 1.19% 6.85% 34.19% 44.44% -24.3% -0.47% 2.87% -6.49% 3.95% 10.26% 62.5% -17.24%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Interest Expense $23.26M $10.08M $2.529M $4.178M $8.694M $8.854M $5.289M $3.617M $3.313M $3.226M $3.148M $3.099M $3.784M
YoY Change 130.82% 298.38% -39.47% -51.94% -1.81% 67.4% 46.23% 9.18% 2.7% 2.48% 1.58% -18.1%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Pretax Income $2.355M $6.260M $7.827M $7.381M $5.884M $4.851M $4.463M $6.193M $5.580M $5.109M $5.339M $5.767M $1.959M $4.230M $4.070M $3.770M
YoY Change -62.38% -20.02% 6.04% 25.44% 21.29% 8.69% -27.93% 10.99% 9.22% -4.31% -7.42% 194.38% -53.69% 3.93% 7.96%
Income Tax $565.0K $1.600M $2.043M $2.034M $1.639M $1.293M $2.725M $2.274M $2.014M $1.835M $1.862M $2.057M $559.0K $1.400M $1.390M $1.360M
% Of Pretax Income 23.99% 25.56% 26.1% 27.56% 27.86% 26.65% 61.06% 36.72% 36.09% 35.92% 34.88% 35.67% 28.53% 33.1% 34.15% 36.07%
Net Earnings $1.790M $4.660M $5.784M $5.347M $4.245M $3.558M $1.738M $3.919M $3.566M $3.274M $3.477M $3.710M $1.400M $2.830M $2.680M $2.410M
YoY Change -61.59% -19.43% 8.17% 25.96% 19.31% 104.72% -55.65% 9.9% 8.92% -5.84% -6.28% 165.0% -50.53% 5.6% 11.2%
Net Earnings / Revenue 4.37% 14.53% 23.33% 21.95% 15.73% 13.31% 7.62% 18.37% 17.5% 17.33% 18.34% 21.07% 7.78%
Basic Earnings Per Share $0.57 $1.50 $1.88 $1.76 $1.37 $1.02 $0.47 $1.06 $0.96 $0.83 $0.84 $0.86
Diluted Earnings Per Share $0.57 $1.46 $1.84 $1.74 $1.35 $1.01 $0.47 $1.06 $0.95 $0.83 $0.84 $0.86 $315.3K $588.4K $557.2K $501.0K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $10.58M $11.09M $9.505M $9.800M $10.20M $10.70M $10.20M $5.800M $4.600M $4.800M $5.100M $4.300M $4.400M $4.100M $4.200M $4.100M
YoY Change -4.62% 16.7% -3.01% -3.92% -4.67% 4.9% 75.86% 26.09% -4.17% -5.88% 18.6% -2.27% 7.32% -2.38% 2.44%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $10.48M $11.04M $9.166M $1.700M $600.0K $2.100M $4.000M $3.700M $1.700M $2.200M $2.100M $3.200M $0.00 $300.0K $0.00 $0.00
YoY Change -5.02% 20.41% 439.18% 183.33% -71.43% -47.5% 8.11% 117.65% -22.73% 4.76% -34.38% -100.0%
Total Long-Term Assets
YoY Change
Total Assets $887.7M $849.0M $857.6M $797.3M $735.5M $723.9M $638.9M $585.5M $595.6M $563.7M $551.3M $547.5M $511.3M $510.8M $384.8M $377.3M
YoY Change
Accounts Payable $3.977M $2.899M $679.0K $1.100M $1.100M $1.500M $500.0K $800.0K $1.000M $1.000M $1.100M $1.000M $1.000M $1.000M $1.000M $1.100M
YoY Change 37.19% 326.95% -38.27% 0.0% -26.67% 200.0% -37.5% -20.0% 0.0% -9.09% 10.0% 0.0% 0.0% 0.0% -9.09%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $17.77M $10.79M $9.244M $6.200M $3.700M $2.000M $2.300M $2.200M $4.400M $4.000M $2.300M $1.700M $0.00
YoY Change 64.75% 16.69% 49.1% 67.57% 85.0% -13.04% 4.55% -50.0% 10.0% 73.91% 35.29%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $21.75M $13.69M $679.0K $1.100M $1.100M $1.500M $500.0K $800.0K $1.000M $1.000M $1.100M $1.000M $1.000M $1.000M $1.000M $1.100M
YoY Change 58.91% 1915.61% -38.27% 0.0% -26.67% 200.0% -37.5% -20.0% 0.0% -9.09% 10.0% 0.0% 0.0% 0.0% -9.09%
Long-Term Debt $25.25M $0.00 $0.00 $3.000M $3.000M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0% 0.0%
Other Long-Term Liabilities $6.654M $8.723M $8.957M $9.000M $9.000M $6.800M $6.500M $5.900M $5.500M $4.600M $4.500M $4.400M $4.100M $3.800M $3.100M $2.800M
YoY Change -23.72% -2.61% -0.48% 0.0% 32.35% 4.62% 10.17% 7.27% 19.57% 2.22% 2.27% 7.32% 7.89% 22.58% 10.71%
Total Long-Term Liabilities $31.90M $8.723M $8.957M $12.00M $12.00M $6.800M $6.500M $5.900M $5.500M $4.600M $4.500M $4.400M $4.100M $3.800M $3.100M $2.800M
YoY Change 265.75% -2.61% -25.36% 0.0% 76.47% 4.62% 10.17% 7.27% 19.57% 2.22% 2.27% 7.32% 7.89% 22.58% 10.71%
Total Liabilities $813.8M $777.2M $785.9M $712.0M $653.0M $641.4M $557.2M $501.5M $511.6M $483.2M $469.3M $465.8M $424.7M $471.4M $347.5M $344.0M
YoY Change 4.71% -1.1% 10.38% 9.04% 1.81% 15.11% 11.11% -1.97% 5.88% 2.96% 0.75% 9.68% -9.91% 35.65% 1.02%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $75.905 Million

About IF Bancorp, Inc.

IF Bancorp, Inc. operates as a holding company, which engages in directing, planning, and coordinating the business activities of Iroquois Federal Savings. The company is headquartered in Watseka, Illinois and currently employs 109 full-time employees. The company went IPO on 2011-07-08. The firm is primarily engaged in the business of directing, planning, and coordinating the business activities of Iroquois Federal. Iroquois Federal operates as a federally chartered savings association. Its business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in a range of loans. The company offers a range of deposit accounts, including savings accounts, certificates of deposit, money market accounts, and commercial and personal checking accounts, among others. The company also offers alternative delivery channels, including automated teller machines, online banking and bill pay, and mobile banking with mobile deposit and bill pay. The company conducts its operations in seven full-service banking offices, and a loan production and wealth management office in Missouri.

Industry: Savings Institution, Federally Chartered Peers: 1895 Bancorp of Wisconsin, Inc. /MD/ Catalyst Bancorp, Inc. CFSB Bancorp, Inc. /MA/ First Seacoast Bancorp Kentucky First Federal Bancorp NSTS Bancorp, Inc. Skyline Bankshares, Inc. Rocket Companies, Inc.