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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.18
IROQ's Cash to Debt is ranked lower than
88% of the 1456 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. IROQ: 0.18 )
Ranked among companies with meaningful Cash to Debt only.
IROQ' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.23 Max: N/A
Current: 0.18
Equity to Asset 0.14
IROQ's Equity to Asset is ranked higher than
79% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. IROQ: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
IROQ' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.15 Max: 0.18
Current: 0.14
0.08
0.18
Interest Coverage 1.68
IROQ's Interest Coverage is ranked lower than
52% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.71 vs. IROQ: 1.68 )
Ranked among companies with meaningful Interest Coverage only.
IROQ' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 0.85 Max: 1.86
Current: 1.68
0.44
1.86
F-Score: 5
M-Score: -2.66
WACC vs ROIC
2.76%
2.57%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 25.07
IROQ's Operating margin (%) is ranked lower than
64% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.90 vs. IROQ: 25.07 )
Ranked among companies with meaningful Operating margin (%) only.
IROQ' s Operating margin (%) Range Over the Past 10 Years
Min: 10.93  Med: 26.95 Max: 30.35
Current: 25.07
10.93
30.35
Net-margin (%) 15.96
IROQ's Net-margin (%) is ranked lower than
71% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.30 vs. IROQ: 15.96 )
Ranked among companies with meaningful Net-margin (%) only.
IROQ' s Net-margin (%) Range Over the Past 10 Years
Min: 7.81  Med: 17.95 Max: 19.53
Current: 15.96
7.81
19.53
ROE (%) 4.01
IROQ's ROE (%) is ranked lower than
79% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.38 vs. IROQ: 4.01 )
Ranked among companies with meaningful ROE (%) only.
IROQ' s ROE (%) Range Over the Past 10 Years
Min: 2.22  Med: 4.41 Max: 7.59
Current: 4.01
2.22
7.59
ROA (%) 0.58
IROQ's ROA (%) is ranked lower than
69% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. IROQ: 0.58 )
Ranked among companies with meaningful ROA (%) only.
IROQ' s ROA (%) Range Over the Past 10 Years
Min: 0.27  Med: 0.63 Max: 0.7
Current: 0.58
0.27
0.7
Revenue Growth (3Y)(%) 6.20
IROQ's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. IROQ: 6.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
IROQ' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 6.2
Current: 6.2
0
6.2
EBITDA Growth (3Y)(%) 37.80
IROQ's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. IROQ: 37.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
IROQ' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 37.8
Current: 37.8
0
37.8
EPS Growth (3Y)(%) 38.20
IROQ's EPS Growth (3Y)(%) is ranked higher than
89% of the 1206 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. IROQ: 38.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
IROQ' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 38.2
Current: 38.2
0
38.2
» IROQ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2015

IROQ Guru Trades in Q3 2015

Keeley Asset Management Corp 17,643 sh (unchged)
» More
Q4 2015

IROQ Guru Trades in Q4 2015

Keeley Asset Management Corp 15,643 sh (-11.34%)
» More
Q1 2016

IROQ Guru Trades in Q1 2016

Keeley Asset Management Corp 11,318 sh (-27.65%)
» More
Q2 2016

IROQ Guru Trades in Q2 2016

Keeley Asset Management Corp 20,841 sh (+84.14%)
» More
» Details

Insider Trades

Latest Guru Trades with IROQ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:HFBC, OTCBB:NIDB, NAS:MSBF, NAS:LSBK, NAS:KFFB, AMEX:BKJ, NAS:PBSK, NAS:PBBI, OTCBB:NWIN, OTCPK:SFDL, NAS:FCLF, OTCPK:GRRB, NAS:HMNF, NAS:ANCB, NAS:UCBA, NAS:FSBK, NAS:CBNK, NAS:LPSB, OTCPK:VLLX, NAS:JXSB » details
IF Bancorp Inc is a holding company. The Company is engaged in the business of directing, planning, and coordinating the business activities of Iroquois Federal.

IF Bancorp Inc is a Maryland corporation formed in March 2011. The Company is a holding company for Iroquois Federal Savings and Loan Association. On July 7, 2011, the Company completed its offering of common stock in connection with Iroquois Federal's mutual-to-stock conversion, selling 4,496,500 shares of common stock at $10.00 per share, including 384,900 shares sold to Iroquois Federal's employee stock ownership plan with funds borrowed from the Company, and raising $45.0 million of gross proceeds. It is engaged in the business of directing, planning, and coordinating the business activities of Iroquois Federal. The Company conducts its operations from its five full-service banking offices located in the municipalities of Watseka, Danville, Clifton, Hoopeston and Savoy, Illinois and its loan production and wealth management office in Osage Beach, Missouri. Its primary lending market includes the Illinois counties of Vermilion, Iroquois and Champaign, as well as the adjacent counties in Illinois and Indiana. Its loan production and wealth management office in Osage Beach, Missouri, serves the Missouri counties of Camden, Miller and Morgan. The Company competes with commercial banks, credit unions, savings institutions, mortgage brokerage firms, finance companies, mutual funds, insurance companies and investment banking firms.

Ratios

vs
industry
vs
history
P/E(ttm) 21.74
IROQ's P/E(ttm) is ranked lower than
81% of the 1491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. IROQ: 21.74 )
Ranked among companies with meaningful P/E(ttm) only.
IROQ' s P/E(ttm) Range Over the Past 10 Years
Min: 14.99  Med: 19.78 Max: 118.18
Current: 21.74
14.99
118.18
PE(NRI) 21.74
IROQ's PE(NRI) is ranked lower than
81% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.36 vs. IROQ: 21.74 )
Ranked among companies with meaningful PE(NRI) only.
IROQ' s PE(NRI) Range Over the Past 10 Years
Min: 15.06  Med: 19.8 Max: 118.18
Current: 21.74
15.06
118.18
Price/Owner Earnings (ttm) 20.92
IROQ's Price/Owner Earnings (ttm) is ranked lower than
79% of the 838 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.83 vs. IROQ: 20.92 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
IROQ' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 15.74  Med: 20.31 Max: 22.05
Current: 20.92
15.74
22.05
P/B 0.92
IROQ's P/B is ranked higher than
61% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. IROQ: 0.92 )
Ranked among companies with meaningful P/B only.
IROQ' s P/B Range Over the Past 10 Years
Min: 0.62  Med: 0.86 Max: 0.96
Current: 0.92
0.62
0.96
P/S 3.47
IROQ's P/S is ranked lower than
60% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. IROQ: 3.47 )
Ranked among companies with meaningful P/S only.
IROQ' s P/S Range Over the Past 10 Years
Min: 2.96  Med: 3.53 Max: 6.33
Current: 3.47
2.96
6.33
PFCF 16.82
IROQ's PFCF is ranked lower than
73% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. IROQ: 16.82 )
Ranked among companies with meaningful PFCF only.
IROQ' s PFCF Range Over the Past 10 Years
Min: 9.26  Med: 12.6 Max: 42.72
Current: 16.82
9.26
42.72
POCF 12.39
IROQ's POCF is ranked lower than
68% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.12 vs. IROQ: 12.39 )
Ranked among companies with meaningful POCF only.
IROQ' s POCF Range Over the Past 10 Years
Min: 8.19  Med: 11.14 Max: 17.01
Current: 12.39
8.19
17.01
EV-to-EBIT 25.80
IROQ's EV-to-EBIT is ranked lower than
81% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.74 vs. IROQ: 25.80 )
Ranked among companies with meaningful EV-to-EBIT only.
IROQ' s EV-to-EBIT Range Over the Past 10 Years
Min: 17.2  Med: 24.5 Max: 159.2
Current: 25.8
17.2
159.2
EV-to-EBITDA 23.82
IROQ's EV-to-EBITDA is ranked lower than
83% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. IROQ: 23.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
IROQ' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15.9  Med: 22.7 Max: 92
Current: 23.82
15.9
92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.69
IROQ's Dividend Yield is ranked lower than
93% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. IROQ: 0.69 )
Ranked among companies with meaningful Dividend Yield only.
IROQ' s Dividend Yield Range Over the Past 10 Years
Min: 0.3  Med: 0.6 Max: 0.73
Current: 0.69
0.3
0.73
Dividend Payout 0.15
IROQ's Dividend Payout is ranked higher than
85% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. IROQ: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
IROQ' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.25 Max: 0.32
Current: 0.15
0.15
0.32
Forward Dividend Yield 0.85
IROQ's Forward Dividend Yield is ranked lower than
93% of the 2090 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.14 vs. IROQ: 0.85 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.69
IROQ's Yield on cost (5-Year) is ranked lower than
93% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.48 vs. IROQ: 0.69 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
IROQ' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.3  Med: 0.6 Max: 0.73
Current: 0.69
0.3
0.73
3-Year Average Share Buyback Ratio 5.30
IROQ's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 1039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. IROQ: 5.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
IROQ' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 5.3  Med: 0 Max: 0
Current: 5.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
IROQ's Price/Tangible Book is ranked higher than
63% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. IROQ: 0.93 )
Ranked among companies with meaningful Price/Tangible Book only.
IROQ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.64  Med: 0.86 Max: 0.95
Current: 0.93
0.64
0.95
Price/Projected FCF 0.66
IROQ's Price/Projected FCF is ranked higher than
53% of the 847 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. IROQ: 0.66 )
Ranked among companies with meaningful Price/Projected FCF only.
IROQ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.61  Med: 0.63 Max: 0.66
Current: 0.66
0.61
0.66
Price/Median PS Value 0.98
IROQ's Price/Median PS Value is ranked higher than
60% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. IROQ: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
IROQ' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.9  Med: 1 Max: 1.75
Current: 0.98
0.9
1.75
Price/Graham Number 0.95
IROQ's Price/Graham Number is ranked lower than
60% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. IROQ: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
IROQ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 0.88 Max: 1.87
Current: 0.95
0.71
1.87
Earnings Yield (Greenblatt) (%) 3.90
IROQ's Earnings Yield (Greenblatt) (%) is ranked lower than
64% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. IROQ: 3.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
IROQ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 4.1 Max: 5.8
Current: 3.9
0.6
5.8

More Statistics

Revenue (TTM) (Mil) $21.16
EPS (TTM) $ 0.95
Beta0.07
Short Percentage of Float0.04%
52-Week Range $16.70 - 19.97
Shares Outstanding (Mil)4.01
» More Articles for IROQ

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