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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.31
IROQ's Cash to Debt is ranked lower than
75% of the 983 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.38 vs. IROQ: 0.31 )
Ranked among companies with meaningful Cash to Debt only.
IROQ' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.23 Max: N/A
Current: 0.31
Equity to Asset 0.16
IROQ's Equity to Asset is ranked higher than
86% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. IROQ: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
IROQ' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.15 Max: 0.18
Current: 0.16
0.08
0.18
Interest Coverage 1.70
IROQ's Interest Coverage is ranked higher than
52% of the 1269 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. IROQ: 1.70 )
Ranked among companies with meaningful Interest Coverage only.
IROQ' s 10-Year Interest Coverage Range
Min: 0.44  Med: 0.73 Max: 1.86
Current: 1.7
0.44
1.86
F-Score: 5
WACC vs ROIC
3.02%
2.76%
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 (%) 28.57
IROQ's Operating margin (%) is ranked lower than
55% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.31 vs. IROQ: 28.57 )
Ranked among companies with meaningful Operating margin (%) only.
IROQ' s 10-Year Operating margin (%) Range
Min: 10.93  Med: 27.62 Max: 30.35
Current: 28.57
10.93
30.35
Net-margin (%) 18.41
IROQ's Net-margin (%) is ranked lower than
63% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.02 vs. IROQ: 18.41 )
Ranked among companies with meaningful Net-margin (%) only.
IROQ' s 10-Year Net-margin (%) Range
Min: 7.81  Med: 18.19 Max: 19.53
Current: 18.41
7.81
19.53
ROE (%) 4.21
IROQ's ROE (%) is ranked lower than
78% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. IROQ: 4.21 )
Ranked among companies with meaningful ROE (%) only.
IROQ' s 10-Year ROE (%) Range
Min: 2.22  Med: 4.41 Max: 7.59
Current: 4.21
2.22
7.59
ROA (%) 0.63
IROQ's ROA (%) is ranked lower than
66% of the 1432 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. IROQ: 0.63 )
Ranked among companies with meaningful ROA (%) only.
IROQ' s 10-Year ROA (%) Range
Min: 0.27  Med: 0.63 Max: 0.7
Current: 0.63
0.27
0.7
» IROQ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

IROQ Guru Trades in Q3 2014

John Keeley 17,643 sh (unchged)
» More
Q4 2014

IROQ Guru Trades in Q4 2014

John Keeley 17,643 sh (unchged)
» More
Q1 2015

IROQ Guru Trades in Q1 2015

John Keeley 17,643 sh (unchged)
» More
Q2 2015

IROQ Guru Trades in Q2 2015

John Keeley 17,643 sh (unchged)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 18.96
IROQ's P/E(ttm) is ranked lower than
76% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. IROQ: 18.96 )
Ranked among companies with meaningful P/E(ttm) only.
IROQ' s 10-Year P/E(ttm) Range
Min: 14.99  Med: 19.49 Max: 118.18
Current: 18.96
14.99
118.18
Forward P/E 13.30
IROQ's Forward P/E is ranked lower than
66% of the 718 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.82 vs. IROQ: 13.30 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.00
IROQ's PE(NRI) is ranked lower than
76% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. IROQ: 19.00 )
Ranked among companies with meaningful PE(NRI) only.
IROQ' s 10-Year PE(NRI) Range
Min: 15.06  Med: 19.53 Max: 118.18
Current: 19
15.06
118.18
P/B 0.84
IROQ's P/B is ranked higher than
68% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. IROQ: 0.84 )
Ranked among companies with meaningful P/B only.
IROQ' s 10-Year P/B Range
Min: 0.62  Med: 0.85 Max: 0.96
Current: 0.84
0.62
0.96
P/S 3.48
IROQ's P/S is ranked lower than
63% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. IROQ: 3.48 )
Ranked among companies with meaningful P/S only.
IROQ' s 10-Year P/S Range
Min: 2.96  Med: 3.57 Max: 6.32
Current: 3.48
2.96
6.32
PFCF 15.04
IROQ's PFCF is ranked lower than
67% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.85 vs. IROQ: 15.04 )
Ranked among companies with meaningful PFCF only.
IROQ' s 10-Year PFCF Range
Min: 9.19  Med: 12.01 Max: 17.89
Current: 15.04
9.19
17.89
POCF 11.19
IROQ's POCF is ranked lower than
61% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.17 vs. IROQ: 11.19 )
Ranked among companies with meaningful POCF only.
IROQ' s 10-Year POCF Range
Min: 8.14  Med: 10.92 Max: 16.88
Current: 11.19
8.14
16.88
EV-to-EBIT 18.34
IROQ's EV-to-EBIT is ranked lower than
67% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. IROQ: 18.34 )
Ranked among companies with meaningful EV-to-EBIT only.
IROQ' s 10-Year EV-to-EBIT Range
Min: 17.1  Med: 25.00 Max: 159.2
Current: 18.34
17.1
159.2
Days Sales Outstanding 32.16
IROQ's Days Sales Outstanding is ranked higher than
52% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. IROQ: 32.16 )
Ranked among companies with meaningful Days Sales Outstanding only.
IROQ' s 10-Year Days Sales Outstanding Range
Min: 32.43  Med: 38.45 Max: 50.01
Current: 32.16
32.43
50.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.61
IROQ's Dividend Yield is ranked lower than
95% of the 2262 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. IROQ: 0.61 )
Ranked among companies with meaningful Dividend Yield only.
IROQ' s 10-Year Dividend Yield Range
Min: 0.3  Med: 0.60 Max: 0.63
Current: 0.61
0.3
0.63
Dividend Payout 0.11
IROQ's Dividend Payout is ranked higher than
90% of the 1321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. IROQ: 0.11 )
Ranked among companies with meaningful Dividend Payout only.
IROQ' s 10-Year Dividend Payout Range
Min: 0.22  Med: 0.25 Max: 0.28
Current: 0.11
0.22
0.28
Yield on cost (5-Year) 0.60
IROQ's Yield on cost (5-Year) is ranked lower than
94% of the 2265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. IROQ: 0.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
IROQ' s 10-Year Yield on cost (5-Year) Range
Min: 0.3  Med: 0.60 Max: 0.63
Current: 0.6
0.3
0.63

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.86
IROQ's Price/Tangible Book is ranked higher than
72% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. IROQ: 0.86 )
Ranked among companies with meaningful Price/Tangible Book only.
IROQ' s 10-Year Price/Tangible Book Range
Min: 0.64  Med: 0.86 Max: 0.95
Current: 0.86
0.64
0.95
Price/Median PS Value 0.99
IROQ's Price/Median PS Value is ranked higher than
62% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. IROQ: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
IROQ' s 10-Year Price/Median PS Value Range
Min: 0.89  Med: 1.00 Max: 1.73
Current: 0.99
0.89
1.73
Price/Graham Number 0.89
IROQ's Price/Graham Number is ranked lower than
57% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. IROQ: 0.89 )
Ranked among companies with meaningful Price/Graham Number only.
IROQ' s 10-Year Price/Graham Number Range
Min: 0.73  Med: 0.92 Max: 1.63
Current: 0.89
0.73
1.63
Earnings Yield (Greenblatt) (%) 5.49
IROQ's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. IROQ: 5.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
IROQ' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 4.00 Max: 5.8
Current: 5.49
0.6
5.8

Analyst Estimate

Jun15
EPS($) 1.23
EPS without NRI($) 1.23

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
IF Bancorp, Inc. was incorporated in the State of Maryland. It operates as a savings and loan holding company. The Company's business activities are limited to oversight of its investment in Iroquois Federal Savings & Loan Association (Association). The Association is primarily engaged in providing a full range of banking and mortgage services to individual and corporate customers within a 100-mile radius of its locations in Watseka, Danville, Clifton and Hoopeston, Illinois and Osage Beach, Missouri. The principal activity of the Association's wholly-owned subsidiary, L.C.I. Service Corporation (L.C.I.), is the sale of property and casualty insurance. Its results of operations depend primarily on its net interest income. Net interest income is the difference between the interest income it earns on its interest-earning assets, consisting primarily of loans, investment securities and other interest-earning assets, and the interest paid on its interest-bearing liabilities, consisting primarily of savings and transaction accounts, certificates of deposit, and Federal Home Loan Bank of Chicago advances. The Company's results of operations also are affected by its provision for loan losses, noninterest income and noninterest expense. Noninterest income consists primarily of customer service fees, brokerage commission income, insurance commission income, net realized gains on loan sales, mortgage banking income, and income on bank-owned life insurance. Noninterest expense consists primarily of compensation and benefits, occupancy and equipment, data processing, professional fees, marketing, office supplies, federal deposit insurance premiums, and foreclosed assets. Approximately 78.8% of its loan portfolio consists of longer-term, one-to-four family residential real estate loans. However, in recent years, it has increased its focus on the origination of commercial real estate loans, multi-family real estate loans and commercial business loans, which generally provide higher returns than one-to-four family residential mortgage loans, have shorter durations and are often originated with adjustable rates of interest.
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