IF Bancorp, Inc.
IROQFinancials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $4.3M | $1.8M | $4.7M | $5.8M | $5.3M | $4.2M |
| Total assets | $887.7M | $887.7M | $849.0M | $857.6M | $797.3M | $735.5M |
| Total liabilities | $805.8M | $813.8M | $777.2M | $785.9M | $712.0M | $653.0M |
| Equity | $81.8M | $73.9M | $71.8M | $71.7M | $85.3M | $82.6M |
| EPS (diluted) | $1.37 | $0.57 | $1.46 | $1.84 | $1.74 | $1.35 |
| Shares out. | 3.4M | 3.4M | 3.4M | 3.3M | 3.2M | 3.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.3%
- Return on assets
- 0.5%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.8%
- Debt / equity
- 9.85×
- Book value / share
- $24.42
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 140.4%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 6/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Gendell Jeffrey LPassive (13G)May 15, 2026
- Stilwell JosephActivist (13D)Mar 16, 2026
- Iroquois Federal Foundation, Inc.Passive (13G)Feb 4, 2026
- Iroquois Federal Savings & Loan Association Employee Stock Ownership Plan TrustPassive (13G)Feb 4, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Mar 13, 2026 | 45 | 1.0 | -98.8% |
| Feb 27, 2026 | 3,811 | 1.0 | -9.4% |
| Feb 13, 2026 | 4,208 | 1.0 | +61.4% |
| Jan 30, 2026 | 2,608 | 1.0 | -39.8% |
| Jan 15, 2026 | 4,335 | 1.0 | -19.2% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsMar 13, 2026
- Other material eventMar 10, 2026
- Shareholder vote · Other material eventFeb 4, 2026
- Results of operationsJan 30, 2026
- Other material eventJan 27, 2026
- Other material eventJan 14, 2026
- Results of operationsOct 31, 2025
- Entered a material agreement · Other material eventOct 30, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AMay 15, 2026
- 15-12GFORM 15-12(G)Mar 23, 2026
- SCHEDULE 13D/AMar 16, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 4FORM 4Mar 13, 2026
- 25-NSEMar 13, 2026
Event-driven situations (2)
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