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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.27
IROQ's Cash to Debt is ranked higher than
59% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. IROQ: 0.27 )
IROQ' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.27

Equity to Asset 0.15
IROQ's Equity to Asset is ranked higher than
92% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. IROQ: 0.15 )
IROQ' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.18
Current: 0.15

0.08
0.18
Interest Coverage 1.70
IROQ's Interest Coverage is ranked higher than
73% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. IROQ: 1.70 )
IROQ' s 10-Year Interest Coverage Range
Min: 0.44   Max: 1.86
Current: 1.7

0.44
1.86
F-Score: 6
Z-Score: 0.28
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 (%) 28.80
IROQ's Operating margin (%) is ranked higher than
74% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. IROQ: 28.80 )
IROQ' s 10-Year Operating margin (%) Range
Min: 10.93   Max: 30.35
Current: 28.8

10.93
30.35
Net-margin (%) 18.54
IROQ's Net-margin (%) is ranked higher than
70% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. IROQ: 18.54 )
IROQ' s 10-Year Net-margin (%) Range
Min: 7.81   Max: 19.53
Current: 18.54

7.81
19.53
ROE (%) 4.32
IROQ's ROE (%) is ranked higher than
59% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. IROQ: 4.32 )
IROQ' s 10-Year ROE (%) Range
Min: 2.22   Max: 7.59
Current: 4.32

2.22
7.59
ROA (%) 0.63
IROQ's ROA (%) is ranked higher than
67% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. IROQ: 0.63 )
IROQ' s 10-Year ROA (%) Range
Min: 0.27   Max: 0.7
Current: 0.63

0.27
0.7
ROC (Joel Greenblatt) (%) 113.52
IROQ's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. IROQ: 113.52 )
IROQ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 46.36   Max: 193.43
Current: 113.52

46.36
193.43
» IROQ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

IROQ Guru Trades in Q4 2013

John Keeley 17,643 sh (unchged)
» More
Q1 2014

IROQ Guru Trades in Q1 2014

John Keeley 17,643 sh (unchged)
» More
Q2 2014

IROQ Guru Trades in Q2 2014

John Keeley 17,643 sh (unchged)
» More
Q3 2014

IROQ Guru Trades in Q3 2014

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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2012-06-30 New Buy0.01%$12.05 - $13.4 $ 16.734%17643
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.40
IROQ's P/E(ttm) is ranked higher than
72% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. IROQ: 19.40 )
IROQ' s 10-Year P/E(ttm) Range
Min: 14.99   Max: 118.18
Current: 19.4

14.99
118.18
P/B 0.90
IROQ's P/B is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. IROQ: 0.90 )
IROQ' s 10-Year P/B Range
Min: 0.62   Max: 0.96
Current: 0.9

0.62
0.96
P/S 3.60
IROQ's P/S is ranked higher than
72% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. IROQ: 3.60 )
IROQ' s 10-Year P/S Range
Min: 2.96   Max: 6.32
Current: 3.6

2.96
6.32
PFCF 17.50
IROQ's PFCF is ranked higher than
79% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. IROQ: 17.50 )
IROQ' s 10-Year PFCF Range
Min: 9.19   Max: 17.89
Current: 17.5

9.19
17.89
EV-to-EBIT 19.37
IROQ's EV-to-EBIT is ranked higher than
71% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. IROQ: 19.37 )
IROQ' s 10-Year EV-to-EBIT Range
Min: 18   Max: 159.2
Current: 19.37

18
159.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.60
IROQ's Dividend Yield is ranked lower than
92% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. IROQ: 0.60 )
IROQ' s 10-Year Dividend Yield Range
Min: 0.3   Max: 0.63
Current: 0.6

0.3
0.63
Dividend Payout 0.12
IROQ's Dividend Payout is ranked higher than
95% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. IROQ: 0.12 )
IROQ' s 10-Year Dividend Payout Range
Min: 0.24   Max: 0.28
Current: 0.12

0.24
0.28
Yield on cost (5-Year) 0.60
IROQ's Yield on cost (5-Year) is ranked lower than
89% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. IROQ: 0.60 )
IROQ' s 10-Year Yield on cost (5-Year) Range
Min: 0.3   Max: 0.63
Current: 0.6

0.3
0.63

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
IROQ's Price/Tangible Book is ranked higher than
88% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. IROQ: 0.90 )
IROQ' s 10-Year Price/Tangible Book Range
Min: 0.64   Max: 0.95
Current: 0.9

0.64
0.95
Price/Median PS Value 1.00
IROQ's Price/Median PS Value is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. IROQ: 1.00 )
IROQ' s 10-Year Price/Median PS Value Range
Min: 0.88   Max: 1.71
Current: 1

0.88
1.71
Price/Graham Number 0.90
IROQ's Price/Graham Number is ranked higher than
80% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. IROQ: 0.90 )
IROQ' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 1.63
Current: 0.9

0.73
1.63
Earnings Yield (Greenblatt) 5.20
IROQ's Earnings Yield (Greenblatt) is ranked higher than
68% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. IROQ: 5.20 )
IROQ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 5.6
Current: 5.2

0.6
5.6

Analyst Estimate


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Jun15
Revenue(Mil)
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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