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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, IF Bancorp's Enterprise Value is $143.76 Mil.
IF Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $6.01 Mil. Therefore, IF Bancorp's EV-to-OCF for today is 23.91.
The historical rank and industry rank for IF Bancorp's EV-to-OCF or its related term are showing as below:
IROQ'
s EV-to-OCF Range Over the Past 10 Years
Min: -0.99 Med: 20.29 Max: 71.48
Current: 23.91
During the past 13 years, the highest EV-to-OCF of IF Bancorp was 71.48. The lowest was -0.99. And the median was 20.29.
IROQ's EV-to-OCF is not ranked
in the Banks industry.
Industry Median: 3.92
vs IROQ: 23.91
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
IF Bancorp's share price for today is $26.55.
IF Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.600.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
IF Bancorp EV-to-OCF Related Terms
IF Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for IF Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, IF Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, IF Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where IF Bancorp's EV-to-OCF falls into.
IF Bancorp's current Enterprise Value is $143.76 Mil.
IF Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.01 Mil.
* 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 (IROQ) has a EV-to-OCF of 23.91 as of Aug. 17, 2026. This is 18% above median its historical median of 20.29.
Is IF Bancorp's EV-to-OCF too high?
IF Bancorp's current EV-to-OCF of 23.91 is 18% above median its 10-year median of 20.29. The Banks industry median EV-to-OCF is 3.92. IF Bancorp's value of 23.91 is 509.9% above this industry median. 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 EV-to-OCF compare to STBK and JBTC?
IF Bancorp's EV-to-OCF of 23.91 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 3.92. IF Bancorp's value of 23.91 is 509.9% above this benchmark. While the company's 10-year median is 20.29 vs. the industry median of 3.92, IF Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.92, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IF Bancorp's current EV-to-OCF of 23.91 is 509.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IF Bancorp's current EV-to-OCF is 23.91, which is 18% above median its own 10-year median of 20.29. 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 EV-to-OCF of 23.91. 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 EV-to-OCF is 23.91, which is 18% above median its 10-year median of 20.29 and 509.9% above the Banks industry median of 3.92. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For IF Bancorp (IROQ), the current EV-to-OCF is 23.91 as of Aug. 17, 2026. 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:
EV-to-OCF: 23.91 (18% above median its 10-year median of 20.29)
GF Value™: $21.95 vs. price of $26.55 (21% above fair value)
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 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
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