IF Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	5.17	4.3	1.79	4.66	5.78	5.35
Depreciation & Amortization	0.62	0.62	0.67	0.66	0.68	0.68
Provision for Credit Losses	-0.64	-0.7	0.15	-0.23	0.49	0.84
Stock-Based Compensation	0.66	0.61	0.56	0.66	0.6	0.57
Net Change in Loans Held-for-Sale	0.44	0.36	0.26	0.38	0.47	1.2
Other Adjustments	-0.71	-0.75	-0.87	-0.46	0.11	-1.58
Changes in Accrued Interest and Accounts Receivable	0.25	-0.09	-0.68	-0.76	-0.13	0.01
Changes in Other Operating Activities	0.28	2.41	0.39	-2.16	0.66	-0.2
Operating Cash Flow	6.01	6.76	2.28	2.77	8.67	6.87
Operating Cash Flow Growth	89.39%	196.14%	-17.46%	-68.09%	26.24%	-0.42%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-	1	0.25	0.75	0.75
Net Change in Loans Held-for-Investment	55.76	6.19	-51.99	-68.37	-6.58	-4.64
Net Change in Securities and Investments	6.13	8.74	12.36	13.09	-59.35	-31.54
Capital Expenditures	-0.21	-0.24	-0.25	-2.25	-0.39	-0.28
Sale of Property, Plant & Equipment	-	-	0.09	-	-	-
Other Investing Activities	1.37	-0.63	-0.96	0.16	-3.24	-0.34
Investing Cash Flow	64.38	14.06	-39.75	-57.12	-68.8	-36.04
Net Change in Deposits	-32.57	-5.92	-8.14	-16.71	84.39	65.93
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-1.45	1.02	6.99	1.54	3	2.51
Long-Term Debt Issued	432.48	677.83	1,204	513.6	-	77
Long-Term Debt Repaid	-464.85	-681.95	-1,165	-509.1	-13	-86.5
Net Long-Term Debt Issued (Repaid)	-32.38	-4.13	38.75	4.5	-13	-9.5
Issuance of Common Stock	-	-	-	0.73	0.32	-
Net Common Stock Issued (Repurchased)	-	-	-	0.73	0.32	-
Common Dividends Paid	-1.29	-1.29	-1.28	-1.27	-1.07	-0.91
Other Financing Activities	0.18	0	-0.27	0.73	-0.43	0.41
Financing Cash Flow	-67.51	-10.3	36.05	-10.47	73.21	58.44
Net Cash Flow	2.89	10.52	-1.42	-64.82	13.08	29.27
Free Cash Flow	5.8	6.52	2.04	0.52	8.28	6.59
Free Cash Flow Growth	-10.97%	220.19%	294.57%	-93.77%	25.71%	-2.23%
FCF Margin	20.33%	24.64%	9.22%	1.96%	30.36%	25.74%
Free Cash Flow Per Share	0.01	2.07	0.65	0.16	2.64	2.14
Levered Free Cash Flow	-26.27	2.88	40.68	4.66	-6.39	-3.94
Unlevered Free Cash Flow	0.94	2.7	0.14	-4.5	0.83	0.21

Updated Jan 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q