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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 0.09
IROQ's Cash-to-Debt is ranked lower than
95% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.97 vs. IROQ: 0.09 )
Ranked among companies with meaningful Cash-to-Debt only.
IROQ' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.21 Max: N/A
Current: 0.09
Equity-to-Asset 0.14
IROQ's Equity-to-Asset is ranked higher than
78% of the 1496 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 2.00
IROQ's Interest Coverage is ranked higher than
56% of the 1758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. IROQ: 2.00 )
Ranked among companies with meaningful Interest Coverage only.
IROQ' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 1.22 Max: 2
Current: 2
0.44
2
Piotroski F-Score: 7
Beneish M-Score: -2.45
WACC vs ROIC
3.41%
3.19%
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 : 8/10

vs
industry
vs
history
Operating Margin % 32.59
IROQ's Operating Margin % is ranked higher than
56% of the 1511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.68 vs. IROQ: 32.59 )
Ranked among companies with meaningful Operating Margin % only.
IROQ' s Operating Margin % Range Over the Past 10 Years
Min: 10.93  Med: 26.93 Max: 32.59
Current: 32.59
10.93
32.59
Net Margin % 20.56
IROQ's Net Margin % is ranked lower than
56% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.91 vs. IROQ: 20.56 )
Ranked among companies with meaningful Net Margin % only.
IROQ' s Net Margin % Range Over the Past 10 Years
Min: 7.81  Med: 17.85 Max: 20.56
Current: 20.56
7.81
20.56
ROE % 5.43
IROQ's ROE % is ranked lower than
71% of the 1509 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. IROQ: 5.43 )
Ranked among companies with meaningful ROE % only.
IROQ' s ROE % Range Over the Past 10 Years
Min: 2.22  Med: 4.38 Max: 7.59
Current: 5.43
2.22
7.59
ROA % 0.77
IROQ's ROA % is ranked lower than
57% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. IROQ: 0.77 )
Ranked among companies with meaningful ROA % only.
IROQ' s ROA % Range Over the Past 10 Years
Min: 0.27  Med: 0.63 Max: 0.77
Current: 0.77
0.27
0.77
3-Year Revenue Growth Rate 8.80
IROQ's 3-Year Revenue Growth Rate is ranked higher than
73% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.90 vs. IROQ: 8.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
IROQ' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.2 Max: 9.2
Current: 8.8
0
9.2
3-Year EBITDA Growth Rate 3.80
IROQ's 3-Year EBITDA Growth Rate is ranked lower than
58% of the 1228 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. IROQ: 3.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
IROQ' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.8 Max: 37.8
Current: 3.8
0
37.8
3-Year EPS without NRI Growth Rate 3.40
IROQ's 3-Year EPS without NRI Growth Rate is ranked lower than
62% of the 1184 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. IROQ: 3.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
IROQ' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 37.4
Current: 3.4
0
37.4
GuruFocus has detected 1 Warning Sign with IF Bancorp Inc $IROQ.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» IROQ's 10-Y Financials

Financials (Next Earnings Date: 2017-04-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q3 2016

IROQ Guru Trades in Q3 2016

Keeley Asset Management Corp 24,341 sh (+16.79%)
» More
Q4 2016

IROQ Guru Trades in Q4 2016

Keeley Asset Management Corp Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with IROQ

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522220    SIC: 6141
Compare:NAS:KFFB, NAS:HMNF, NAS:UCBA, NAS:PBBI, OTCPK:SFDL, NAS:PBSK, NAS:FCLF, NAS:MSBF, OTCPK:GRRB, NAS:ANCB, NAS:PBHC, AMEX:BKJ, NAS:LSBK, NAS:CBNK, NAS:HFBL, NAS:HFBC, NAS:JXSB, OTCPK:BHWB, NAS:BYFC, NAS:GTWN » 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
PE Ratio 16.56
IROQ's PE Ratio is ranked lower than
64% of the 1941 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. IROQ: 16.56 )
Ranked among companies with meaningful PE Ratio only.
IROQ' s PE Ratio Range Over the Past 10 Years
Min: 14.89  Med: 19.72 Max: 118.18
Current: 16.56
14.89
118.18
PE Ratio without NRI 16.56
IROQ's PE Ratio without NRI is ranked lower than
61% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. IROQ: 16.56 )
Ranked among companies with meaningful PE Ratio without NRI only.
IROQ' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.89  Med: 19.72 Max: 118.18
Current: 16.56
14.89
118.18
Price-to-Owner-Earnings 15.77
IROQ's Price-to-Owner-Earnings is ranked lower than
58% of the 905 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.04 vs. IROQ: 15.77 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
IROQ' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 14.67  Med: 19.77 Max: 22.46
Current: 15.77
14.67
22.46
PB Ratio 0.95
IROQ's PB Ratio is ranked higher than
64% of the 1810 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. IROQ: 0.95 )
Ranked among companies with meaningful PB Ratio only.
IROQ' s PB Ratio Range Over the Past 10 Years
Min: 0.62  Med: 0.87 Max: 0.98
Current: 0.95
0.62
0.98
PS Ratio 3.39
IROQ's PS Ratio is ranked lower than
52% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.32 vs. IROQ: 3.39 )
Ranked among companies with meaningful PS Ratio only.
IROQ' s PS Ratio Range Over the Past 10 Years
Min: 2.96  Med: 3.48 Max: 4.31
Current: 3.39
2.96
4.31
Price-to-Free-Cash-Flow 14.28
IROQ's Price-to-Free-Cash-Flow is ranked lower than
59% of the 1008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. IROQ: 14.28 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
IROQ' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 8.74  Med: 12.29 Max: 14.66
Current: 14.28
8.74
14.66
Price-to-Operating-Cash-Flow 12.62
IROQ's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 1096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. IROQ: 12.62 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
IROQ' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.91  Med: 11.32 Max: 13.82
Current: 12.62
7.91
13.82
EV-to-EBIT 19.01
IROQ's EV-to-EBIT is ranked lower than
74% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.64 vs. IROQ: 19.01 )
Ranked among companies with meaningful EV-to-EBIT only.
IROQ' s EV-to-EBIT Range Over the Past 10 Years
Min: 17.2  Med: 23.75 Max: 159.2
Current: 19.01
17.2
159.2
EV-to-EBITDA 17.94
IROQ's EV-to-EBITDA is ranked lower than
76% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.00 vs. IROQ: 17.94 )
Ranked among companies with meaningful EV-to-EBITDA only.
IROQ' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15.9  Med: 21.95 Max: 92
Current: 17.94
15.9
92
PEG Ratio 1.06
IROQ's PEG Ratio is ranked higher than
61% of the 780 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.43 vs. IROQ: 1.06 )
Ranked among companies with meaningful PEG Ratio only.
IROQ' s PEG Ratio Range Over the Past 10 Years
Min: 0.63  Med: 0.66 Max: 1.06
Current: 1.06
0.63
1.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.81
IROQ's Dividend Yield % is ranked lower than
92% of the 2303 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. IROQ: 0.81 )
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: 0.86
Current: 0.81
0.3
0.86
Dividend Payout Ratio 0.13
IROQ's Dividend Payout Ratio is ranked higher than
88% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. IROQ: 0.13 )
Ranked among companies with meaningful Dividend Payout Ratio only.
IROQ' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.12 Max: 0.14
Current: 0.13
0.12
0.14
Forward Dividend Yield % 0.81
IROQ's Forward Dividend Yield % is ranked lower than
94% of the 2274 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. IROQ: 0.81 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.81
IROQ's 5-Year Yield-on-Cost % is ranked lower than
93% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.27 vs. IROQ: 0.81 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
IROQ' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.3  Med: 0.6 Max: 0.86
Current: 0.81
0.3
0.86
3-Year Average Share Buyback Ratio 4.30
IROQ's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. IROQ: 4.30 )
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: 0.9  Med: 5.3 Max: 0
Current: 4.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.96
IROQ's Price-to-Tangible-Book is ranked higher than
65% of the 1798 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. IROQ: 0.96 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
IROQ' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.64  Med: 0.87 Max: 0.96
Current: 0.96
0.64
0.96
Price-to-Intrinsic-Value-Projected-FCF 0.59
IROQ's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
70% of the 1104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. IROQ: 0.59 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
IROQ' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.59 Max: 0.77
Current: 0.59
0.55
0.77
Price-to-Median-PS-Value 0.97
IROQ's Price-to-Median-PS-Value is ranked higher than
74% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. IROQ: 0.97 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
IROQ' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.88  Med: 1 Max: 1.21
Current: 0.97
0.88
1.21
Price-to-Peter-Lynch-Fair-Value 0.67
IROQ's Price-to-Peter-Lynch-Fair-Value is ranked higher than
78% of the 533 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. IROQ: 0.67 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
IROQ' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.63  Med: 0.63 Max: 0.68
Current: 0.67
0.63
0.68
Price-to-Graham-Number 0.84
IROQ's Price-to-Graham-Number is ranked higher than
56% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. IROQ: 0.84 )
Ranked among companies with meaningful Price-to-Graham-Number only.
IROQ' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.7  Med: 0.88 Max: 1.87
Current: 0.84
0.7
1.87
Earnings Yield (Greenblatt) % 5.26
IROQ's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 2086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.41 vs. IROQ: 5.26 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
IROQ' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 4.2 Max: 5.8
Current: 5.26
0.6
5.8
Forward Rate of Return (Yacktman) % 31.28
IROQ's Forward Rate of Return (Yacktman) % is ranked higher than
84% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. IROQ: 31.28 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
IROQ' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 31.1  Med: 31.5 Max: 31.8
Current: 31.28
31.1
31.8

More Statistics

Revenue (TTM) (Mil) $21.81
EPS (TTM) $ 1.20
Beta0.11
Short Percentage of Float0.05%
52-Week Range $17.70 - 20.75
Shares Outstanding (Mil)3.94
» More Articles for IROQ

Headlines

Articles On GuruFocus.com
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