IROQ (IF Bancorp) Cyclically Adjusted Revenue per Share: $8.60 (As of Dec. 2025)

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IROQ IF Bancorp Inc IROQ
47 GF Score
Price $26.55
GF Value $21.95
! 6 Warning Signs
View Full Analysis

What is IF Bancorp Cyclically Adjusted Revenue per Share?

IF Bancorp IROQ -0.19% 47 Cyclically Adjusted Revenue per Share is $8.60 as of Dec. 2025. GuruFocus rates IROQ with a GF Score™ of 47/100 and a GF Value™ of $21.95. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

IF Bancorp's adjusted revenue per share for the three months ended in Dec. 2025 was $2.258. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $8.60 for the trailing ten years ended in Dec. 2025.

During the past 12 months, IF Bancorp's average Cyclically Adjusted Revenue Growth Rate was 4.50% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 5.50% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 9.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of IF Bancorp was 12.00% per year. The lowest was 5.50% per year. And the median was 9.10% per year.

As of today (2026-08-15), IF Bancorp's current stock price is $26.55. IF Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 was $8.60. IF Bancorp's Cyclically Adjusted PS Ratio of today is 3.09.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of IF Bancorp was 4.54. The lowest was 1.79. And the median was 2.95.


IF Bancorp  (NAS:IROQ) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

IF Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=26.55/8.60
=3.09

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of IF Bancorp was 4.54. The lowest was 1.79. And the median was 2.95.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


IF Bancorp Cyclically Adjusted Revenue per Share Related Terms


IF Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for IF Bancorp's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

IF Bancorp Cyclically Adjusted Revenue per Share Chart

IF Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.23 7.22 7.71 8.10 8.47

IF Bancorp Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.23 8.39 8.47 8.57 8.60

IROQ vs STBK, JBTC, FUSB: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, IF Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


IF Bancorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, IF Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where IF Bancorp's Cyclically Adjusted PS Ratio falls into.


IROQ
47GF Score
IF Bancorp Inc IROQ
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

IF Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, IF Bancorp's adjusted Revenue per Share data for the three months ended in Dec. 2025 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=2.258/324.0540*324.0540
=2.258

Current CPI (Dec. 2025) = 324.0540.

IF Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201603 1.306 238.132 1.777
201606 1.360 241.018 1.829
201609 1.406 241.428 1.887
201612 1.386 241.432 1.860
201703 1.320 243.801 1.755
201706 2.087 244.955 2.761
201709 1.416 246.819 1.859
201712 1.461 246.524 1.920
201803 1.411 249.554 1.832
201806 1.463 251.989 1.881
201809 1.483 252.439 1.904
201812 1.527 251.233 1.970
201903 1.531 254.202 1.952
201906 1.636 256.143 2.070
201909 1.684 256.759 2.125
201912 1.795 256.974 2.264
202003 1.865 258.115 2.341
202006 2.002 257.797 2.517
202009 2.046 260.280 2.547
202012 2.126 260.474 2.645
202103 2.149 264.877 2.629
202106 2.125 271.696 2.535
202109 2.289 274.310 2.704
202112 2.268 278.802 2.636
202203 2.167 287.504 2.442
202206 2.128 296.311 2.327
202209 2.356 296.808 2.572
202212 2.130 296.797 2.326
202303 1.831 301.836 1.966
202306 1.864 305.109 1.980
202309 1.748 307.789 1.840
202312 1.652 306.746 1.745
202403 1.681 312.332 1.744
202406 1.962 314.175 2.024
202409 1.934 315.301 1.988
202412 1.945 315.605 1.997
202503 1.982 319.799 2.008
202506 2.343 322.561 2.354
202509 2.232 324.800 2.227
202512 2.258 324.054 2.258

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $8.60 mean?
IF Bancorp (IROQ) has a Cyclically Adjusted Revenue per Share of $8.60 as of Dec. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on IF Bancorp and its competitors.
Is IF Bancorp's Cyclically Adjusted Revenue per Share too high?
IF Bancorp's current Cyclically Adjusted Revenue per Share is $8.60. Overall, IF Bancorp has a GF Score™ of 47/100, reflecting its overall financial health beyond just this single metric.
How does IF Bancorp's Cyclically Adjusted Revenue per Share compare to STBK and JBTC?
IF Bancorp's Cyclically Adjusted Revenue per Share of $8.60 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on IF Bancorp and its competitors. IF Bancorp's current Cyclically Adjusted Revenue per Share is $8.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IF Bancorp stock overvalued right now?
IF Bancorp (IROQ) has a current Cyclically Adjusted Revenue per Share of $8.60. The stock's GF Value™ is $21.95, compared to a current price of $26.55 — trading 21% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $8.60. IF Bancorp's overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For IF Bancorp (IROQ), the current Cyclically Adjusted Revenue per Share is $8.60 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is IF Bancorp (IROQ) Overvalued in 2026?

Based on GuruFocus' analysis, IF Bancorp stock appears to be overvalued. The current stock price of $26.55 is trading 21% above its estimated GF Value™ of $21.95.

Key valuation signals for IROQ:

  • Cyclically Adjusted Revenue per Share: $8.60
  • GF Value™: $21.95 vs. price of $26.55 (21% above fair value)
  • GF Score™: 47/100 with 6 warning signs

No single metric tells the full story. See the IROQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


IF Bancorp Business Description

Address 201 East Cherry Street, Watseka, IL, USA, 60970
IF Bancorp Inc is a holding company mainly engaged in the business of directing, planning, and coordinating the business activities of Iroquois Federal. The company, in association, takes deposits from the general public and invests those deposits together with funds generated from operations and borrowings in various loans such as multi-family residential and mortgage loans, commercial real estate loans, home equity lines of credit, consumer loans, etc., and offers a variety of deposit accounts and alternative delivery channels. In addition to the traditional banking products and services, the group also offers a full line of property and casualty insurance products, annuities, mutual funds, individual securities, managed accounts, and other financial services.
47GF Score

Get the complete analysis for IROQ

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.55
Price
$21.95
GF Value