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Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, IF Bancorp's Net Debt Paydown Yield % was 41.48%.
IF Bancorp (NAS:IROQ) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
IF Bancorp Net Debt Paydown Yield % Historical Data
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The historical data trend for IF Bancorp's Net Debt Paydown Yield % 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.
IROQ vs STBK, JBTC, FUSB: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, IF Bancorp's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, IF Bancorp's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where IF Bancorp's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 41.48% mean?
IF Bancorp (IROQ) has a Net Debt Paydown Yield % of 41.48% as of Aug. 15, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on IF Bancorp and its competitors. This is 2821% above median its historical median of 1.42.
Is IF Bancorp's Net Debt Paydown Yield % too high?
IF Bancorp's current Net Debt Paydown Yield % of 41.48% is 2821% above median its 10-year median of 1.42. 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 Net Debt Paydown Yield % compare to STBK and JBTC?
IF Bancorp's Net Debt Paydown Yield % of 41.48% 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 Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on IF Bancorp and its competitors. IF Bancorp's current Net Debt Paydown Yield % is 41.48%, which is 2821% above median its own 10-year median of 1.42. 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 Net Debt Paydown Yield % of 41.48%. 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 Net Debt Paydown Yield % is 41.48%, which is 2821% above median its 10-year median of 1.42. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For IF Bancorp (IROQ), the current Net Debt Paydown Yield % is 41.48% as of Aug. 15, 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:
Net Debt Paydown Yield %: 41.48% (2821% above median its 10-year median of 1.42)
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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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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