IROQ - NASDAQ
IF Bancorp, Inc.
$26.55
+0.0000%IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial services to individual and corporate clients. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, individual retirement accounts, and health savings accounts. It also provides loans comprising one- to four-family residential mortgage loans; multi-family mortgage loans; commercial real estate loans, such as farm loans; home equity lines of credit; commercial business loans; and consumer loans primarily consisting of automobile loans, as well as construction loans and land development loans. In addition, the company sells property and casualty insurance, as well as offers annuities; mutual funds; individual and group retirement plans; life, disability, and health insurance; individual securities; managed accounts; and other financial services. Further, it invests in securities; and provides ATM, online banking and bill pay, mobile banking, ACH origination, remote deposit capture, and telephone banking services. As of August 31, 2021, it operated a network of seven full-service banking offices located in Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais, and Champaign, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 1883 and is headquartered in Watseka, Illinois.
At a Glance
Live SnapshotIF Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
IF Bancorp, Inc. Cash Flow Statement
IROQ • NASDAQ
| IF Bancorp, Inc. Cash Flow Statement | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 2010 | Jun 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||||||||||
4.3M | 1.8M | 4.7M | 5.8M | 5.3M | 4.2M | 3.6M | 1.7M | 3.9M | 3.6M | 3.3M | 3.5M | 3.7M | 1.4M | 2.8M | 2.7M | 2.4M | |
621K | 671K | 663K | 675K | 679K | 671K | 628K | 468K | 324K | 428K | 430K | 418K | 447K | 430K | 392K | 240.1K | 289.9K | |
114K | 120K | -156K | 218K | -162K | -15K | 76K | 1.3M | -332K | -230K | -135K | 167K | 78K | -1.4M | -233K | -725K | -11.6K | |
608K | 563K | 662K | 601K | 572K | 618K | 645K | 613K | 598K | 671K | 513K | 431K | 272K | 224K | 0.0 | 0.0 | 0.0 | |
-1.2M | -578K | -147K | 854K | 620K | -179K | 110K | 392K | 315K | 960K | 1.1M | 1.7M | 784K | 4.7M | 1.6M | 680.1K | -285K | |
(967K) | (347K) | (2.1M) | (2M) | (2.7M) | (1.1M) | (365K) | (2.1M) | (2.6M) | (2.2M) | (1.8M) | (1.9M) | (2.2M) | (2.2M) | (1.7M) | (1.8M) | (1.2M) | |
2.3M | -283K | -2.9M | 537K | -189K | 1.6M | 780K | 303K | 1.3M | -67K | 135K | 308K | 775K | 783K | 511K | -908K | 1.1M | |
6.8M | 2.3M | 2.8M | 8.7M | 6.9M | 6.9M | 5.8M | 4.8M | 6.1M | 5.3M | 5.3M | 6.5M | 6.1M | 6.1M | 5.1M | 2M | 3.5M | |
INVESTING ACTIVITIES | |||||||||||||||||
-242K | -247K | -2.3M | -387K | -279K | -158K | -1.1M | -4.9M | -1.7M | -214K | -106K | -1.2M | -383K | -689K | -312K | -335K | -501.7K | |
-18.3M | -2M | -18.2M | -98.8M | -79.6M | -52.1M | -42.1M | -39.2M | -73.4M | -25M | -49M | -73.3M | -159.9M | -199M | -171.1M | -107.3M | -73.4M | |
27.1M | 14.3M | 31.3M | 39.4M | 48.1M | 41.3M | 27.4M | 20.5M | 79.5M | 76.8M | 62.4M | 91M | 172.9M | 170.4M | 105.2M | 109.7M | 54.4M | |
5.6M | -51.9M | -68M | -9.1M | -4.2M | -23.4M | -11.3M | -37.1M | 3.2M | -89.3M | -26.7M | -15.1M | -57.9M | -21.6M | -8M | -12.4M | -9M | |
(14.1M) | -39.8M | -57.1M | -68.8M | -36M | -34.3M | -27.1M | -60.7M | (7.6M) | -37.7M | -13.3M | (1.4M) | -45.2M | -50.9M | -74.2M | -10.4M | -28.5M | |
FINANCING ACTIVITIES | |||||||||||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -7.5M | -6.2M | -1.4M | -1.4M | -1.4M | -5M | -4.6M | -3.3M | 43.2M | -766K | 0.0 | 0.0 | |
-4.1M | 38.7M | 4.5M | -13M | -9.5M | 13.5M | -43.5M | 14M | -13.5M | 9M | 1.3M | -30.8M | 12.5M | 52.5M | 0.0 | -4M | -9.5M | |
-1.3M | -1.3M | -1.3M | -1.1M | -909K | -939K | -868K | -730K | -589K | -484K | -403K | -415K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -7.5M | -6.2M | -1.4M | -1.4M | -1.4M | -5M | -4.6M | -3.3M | (0.0) | (0.0) | (0.0) | (0.0) | |
-4.9M | -1.4M | -13.7M | 87.3M | 68.8M | -3.8M | 126.8M | 40.9M | 3.1M | 18.5M | 12.6M | 34.1M | 28.4M | -103.3M | 123.5M | 7.3M | 42.8M | |
-10.3M | 36.1M | -10.5M | 73.2M | 58.4M | 1.3M | 76.2M | 52.8M | -12.4M | 25.6M | 8.5M | -1.7M | 37.6M | -7.6M | 122.8M | 3.3M | 33.3M | |
CASH FLOW SUMMARY | |||||||||||||||||
10.5M | -1.4M | -64.8M | 13.1M | 29.3M | -26.1M | 54.8M | -3M | 1.3M | -6.8M | 493K | 6.2M | -1.6M | -52.3M | 53.7M | -5.1M | 8.2M | |
9.6M | 11M | 75.8M | 62.7M | 33.5M | 59.6M | 4.8M | 7.8M | 6.4M | 13.2M | 12.7M | 6.6M | 8.2M | 60.5M | 6.8M | 11.9M | 3.7M | |
20.1M | 9.6M | 11M | 75.8M | 62.7M | 33.5M | 59.6M | 4.8M | 7.8M | 6.4M | 13.2M | 12.7M | 6.6M | 8.2M | 60.5M | 6.8M | 11.9M | |
6.5M | 2M | 516K | 8.3M | 6.6M | 6.7M | 4.7M | -16K | 4.5M | 5.1M | 5.2M | 5.3M | 5.7M | 5.5M | 4.8M | 1.6M | 3M |
SEC Filings
IROQ - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | March 13, 2026 | March 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 10, 2026 | March 09, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 04, 2026 | February 03, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 14, 2026 | January 14, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 12, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 31, 2025 | October 31, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 30, 2025 | October 29, 2025 | 2025 |
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