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. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
IF Bancorp, Inc. Income Statement
IROQ • NASDAQ
| IF Bancorp, Inc. Income 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||||||||
48.4M | 45.4M | 36.2M | 30.3M | 30.6M | 31.8M | 30.9M | 26.9M | 26.1M | 24.5M | 22.1M | 21.8M | 22M | 21.7M | 20.8M | 21.8M | 21.2M | |
GROSS PROFIT | |||||||||||||||||
(21.9M) | (23.3M) | (9.8M) | (3M) | (5M) | (8.8M) | (9.3M) | (6.1M) | (5.3M) | (4.7M) | (3.7M) | (3.7M) | (3.7M) | (4.9M) | (6.3M) | (8.6M) | (9.1M) | |
26.5M | 22.1M | 26.3M | 27.3M | 25.6M | 22.9M | 21.6M | 20.8M | 20.7M | 19.8M | 18.4M | 18.2M | 18.4M | 16.8M | 14.4M | 13.2M | 12.1M | |
OPERATING INCOME | |||||||||||||||||
(20.6M) | (19.7M) | (20.1M) | (19.4M) | (18.2M) | (17.1M) | (16.8M) | (16.4M) | (14.5M) | (14.2M) | (13.3M) | (12.8M) | (12.6M) | (14.9M) | (10.2M) | (9.1M) | (8.4M) | |
(14.3M) | (13.2M) | (13.8M) | (13.8M) | (13M) | (12.1M) | (11.8M) | (10.9M) | (10.5M) | (10.3M) | (9.7M) | (9.6M) | (9.1M) | (8.3M) | (7.8M) | (6.9M) | (6.4M) | |
5.9M | 2.4M | 6.3M | 7.8M | 7.4M | 5.9M | 4.9M | 4.5M | 6.2M | 5.6M | 5.1M | 5.3M | 5.8M | 2M | 4.2M | 4.1M | 3.8M | |
PRE-TAX INCOME | |||||||||||||||||
(22.6M) | (23.3M) | (10.1M) | (2.5M) | (4.2M) | (8.7M) | (8.9M) | (5.3M) | (3.6M) | (3.3M) | (3.2M) | (3.1M) | (3.1M) | (3.8M) | (5M) | (6.7M) | (8.7M) | |
20.4M | 17.4M | 21.8M | 22.1M | 20.1M | 18.2M | 17.7M | 17.4M | 17.6M | 17M | 15.6M | 15.8M | 14.5M | 14.2M | 12M | 11M | 9.5M | |
(6.2M) | (6.5M) | (6.3M) | (5.6M) | (5.2M) | (5M) | (5M) | (5.4M) | (4M) | (3.9M) | (3.6M) | (3.2M) | (3.5M) | (6.6M) | (2.4M) | (2.2M) | (2M) | |
5.9M | 2.4M | 6.3M | 7.8M | 7.4M | 5.9M | 4.9M | 4.5M | 6.2M | 5.6M | 5.1M | 5.3M | 5.8M | 2M | 4.2M | 4.1M | 3.8M | |
NET INCOME | |||||||||||||||||
(1.6M) | (565K) | (1.6M) | (2M) | (2M) | (1.6M) | (1.3M) | (2.7M) | (2.3M) | (2M) | (1.8M) | (1.9M) | (2.1M) | (559K) | (1.4M) | (1.4M) | (1.4M) | |
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 |
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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Statements
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