IF Bancorp Inc (IROQ)

Name: IF Bancorp Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$11.9M

Net Income

$1.3M

Operating Margin

15.3%

Free Cash Flow

$6.5M

Debt / Assets

90.8%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for IF Bancorp Inc (IROQ).
Income Statement (Quarterly)	2025-12-31	2025-09-30	2025-03-31	2024-12-31
Revenue	11,895,000	12,137,000	11,821,000	11,010,000
Cost of Revenue	4,598,000	4,867,000	4,736,000	4,736,000
Gross Profit	7,297,000	7,270,000	7,085,000	6,274,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	0	3,647,000	3,451,000	86,000
Operating Expenses	5,475,000	5,366,000	3,451,000	86,000
Operating Income	1,822,000	1,904,000	1,391,000	10,924,000
Interest Expense	4,564,000	4,909,000	0	5,993,000
Income Before Tax	1,822,000	1,904,000	1,391,000	1,682,000
Income Tax Expense	494,000	512,000	380,000	463,000
Net Income	1,328,000	1,392,000	1,011,000	1,219,000
Per Share
EPS	0.41	0.43	0.31	0.38
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for IF Bancorp Inc (IROQ).
Income Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Revenue	48,369,000	22,083,000	26,066,000	27,767,000	26,407,000
Cost of Revenue	21,902,000	-31,000	0	0	0
Gross Profit	26,467,000	22,114,000	26,066,000	27,767,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	14,315,000	16,614,000	13,789,000	14,070,000	12,963,000
Operating Expenses	20,550,000	16,614,000	17,887,000	10,350,000	0
Operating Income	5,917,000	2,355,000	6,260,000	10,356,000	0
Interest Expense	22,603,000	23,255,000	10,075,000	2,529,000	4,178,000
Income Before Tax	5,917,000	2,355,000	6,260,000	7,827,000	7,381,000
Income Tax Expense	1,613,000	565,000	1,600,000	2,043,000	2,034,000
Net Income	4,304,000	1,790,000	4,660,000	5,784,000	5,347,000
Per Share
EPS	1.37	0.57	1.50	1.88	1.76
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for IF Bancorp Inc (IROQ).
Balance Sheet (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Assets
Cash and Cash Equivalents	20,092,000	9,821,000	10,988,000	75,811,000
Short Term Investments	0	190,475,000	201,299,000	220,906,000
Net Receivables	3,545,000	3,457,000	2,781,000	2,023,000
Inventory	0	0	-17,831,000	0
Total Current Assets	3,545,000	203,753,000	10,988,000	625,684,000
Property Plant Equipment	0	10,580,000	11,092,000	9,505,000
Goodwill and Intangibles	1,429,000	1,491,000	1,482,000	1,463,000
Total Assets	887,659,000	887,745,000	848,976,000	857,558,000
Liabilities
Account Payables	1,861,000	3,009,000	1,666,000	176,000
Short Term Debt	24,295,000	17,772,000	24,787,000	14,244,000
Total Current Liabilities	723,119,000	747,958,000	1,666,000	176,000
Long Term Debt	48,624,000	58,249,000	19,500,000	15,000,000
Total Liabilities	805,822,000	813,829,000	777,223,000	785,900,000
Shareholders Equity
Retained Earnings	46,894,000	43,876,000	43,365,000	40,362,000
Total Shareholders Equity	81,837,000	73,916,000	71,753,000	71,658,000

Balance sheet annual history for IF Bancorp Inc (IROQ).
Balance Sheet (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Assets
Cash and Cash Equivalents	20,092,000	9,821,000	10,988,000	75,811,000	64,985,000
Short Term Investments	0	190,475,000	201,299,000	220,906,000	189,891,000
Net Receivables	3,545,000	3,457,000	2,781,000	2,023,000	1,897,000
Inventory	0	0	-17,831,000	0	0
Total Current Assets	3,545,000	203,753,000	10,988,000	625,684,000	596,644,000
Property Plant Equipment	0	10,580,000	11,092,000	9,505,000	9,793,000
Goodwill and Intangibles	1,429,000	1,491,000	1,482,000	1,463,000	1,013,000
Total Assets	887,659,000	887,745,000	848,976,000	857,558,000	797,341,000
Liabilities
Account Payables	1,861,000	3,009,000	1,666,000	176,000	199,000
Short Term Debt	24,295,000	17,772,000	24,787,000	14,244,000	3,000,000
Total Current Liabilities	723,119,000	747,958,000	1,666,000	176,000	3,199,000
Long Term Debt	48,624,000	58,249,000	19,500,000	15,000,000	25,000,000
Total Liabilities	805,822,000	813,829,000	777,223,000	785,900,000	712,037,000
Shareholders Equity
Retained Earnings	46,894,000	43,876,000	43,365,000	40,362,000	35,645,000
Total Shareholders Equity	81,837,000	73,916,000	71,753,000	71,658,000	85,304,000

Cash flow quarterly history for IF Bancorp Inc (IROQ).
Cash Flow Statement (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Operating Activities
Net Income	4,304,000	1,790,000	4,660,000	5,784,000
Depreciation & Amortization	621,000	671,000	663,000	675,000
Stock Based Compensation	608,000	563,000	662,000	601,000
Change in Working Capital	2,325,000	-283,000	-2,916,000	537,000
Operating Cash Flow	6,761,000	2,283,000	2,766,000	8,669,000
Investing Activities
Capital Expenditure	-242,000	-247,000	-2,250,000	-387,000
Investments	-242,000	-247,000	-2,250,000	-387,000
Investing Cash Flow	14,063,000	-39,753,000	-57,119,000	-68,803,000
Financing Activities
Debt Repayment	-4,125,000	38,749,000	-4,500,000	-13,000,000
Common Stock Issued/Repurchased	0	0	732,000	315,000
Dividends Paid	-1,286,000	-1,279,000	-1,269,000	-1,067,000
Financing Cash Flow	-10,303,000	36,053,000	-10,470,000	73,210,000
Summary
Free Cash Flow	6,519,000	2,036,000	516,000	8,282,000
Net Change in Cash	10,521,000	-1,417,000	-64,823,000	13,076,000

Cash flow annual history for IF Bancorp Inc (IROQ).
Cash Flow Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Operating Activities
Net Income	4,304,000	1,790,000	4,660,000	5,784,000	5,347,000
Depreciation & Amortization	621,000	671,000	663,000	675,000	679,000
Stock Based Compensation	608,000	563,000	662,000	601,000	572,000
Change in Working Capital	2,325,000	-283,000	-2,916,000	537,000	-189,000
Operating Cash Flow	6,761,000	2,283,000	2,766,000	8,669,000	6,867,000
Investing Activities
Capital Expenditure	-242,000	-247,000	-2,250,000	-387,000	-279,000
Investments	-242,000	-247,000	-2,250,000	-387,000	-279,000
Investing Cash Flow	14,063,000	-39,753,000	-57,119,000	-68,803,000	-36,038,000
Financing Activities
Debt Repayment	-4,125,000	38,749,000	-4,500,000	-13,000,000	-86,500,000
Common Stock Issued/Repurchased	0	0	732,000	315,000	0
Dividends Paid	-1,286,000	-1,279,000	-1,269,000	-1,067,000	-909,000
Financing Cash Flow	-10,303,000	36,053,000	-10,470,000	73,210,000	58,439,000
Summary
Free Cash Flow	6,519,000	2,036,000	516,000	8,282,000	6,588,000
Net Change in Cash	10,521,000	-1,417,000	-64,823,000	13,076,000	29,268,000