IF Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	4.3	1.79	4.66	5.78	5.35
Depreciation & Amortization	0.62	0.67	0.66	0.68	0.68
Gain (Loss) on Sale of Assets	-0.01	0	-0.03	0.01	0.03
Gain (Loss) on Sale of Investments	-0.11	-0.21	0.29	0.89	0.54
Provision for Credit Losses	-0.7	0.15	-0.23	0.49	0.84
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.36	0.26	0.38	0.47	1.2
Accrued Interest Receivable	-0.09	-0.68	-0.76	-0.13	0.01
Change in Other Net Operating Assets	3.56	-0.95	-3.65	0.69	0.14
Other Operating Activities	-0.34	-0.39	-0.54	-0.27	-0.57
Operating Cash Flow	6.76	2.28	2.77	8.67	6.87
Operating Cash Flow Growth	196.14%	-17.46%	-68.09%	26.24%	-0.42%
Capital Expenditures	-0.24	-0.25	-2.25	-0.39	-0.28
Sale of Property, Plant and Equipment	-	0.09	-	-	-
Investment in Securities	8.74	13.36	13.34	-58.6	-30.79
Net Decrease (Increase) in Loans Originated / Sold - Investing	6.19	-51.99	-68.37	-6.58	-4.64
Other Investing Activities	-0.63	-0.96	0.16	-3.24	-0.34
Investing Cash Flow	14.06	-39.75	-57.12	-68.8	-36.04
Short-Term Debt Issued	115.72	530.16	1.54	3	2.51
Long-Term Debt Issued	563.13	680.5	513.6	-	77
Total Debt Issued	678.85	1,211	515.14	3	79.51
Short-Term Debt Repaid	-139.95	-497.93	-	-3	-
Long-Term Debt Repaid	-542	-667	-509.1	-10	-86.5
Total Debt Repaid	-681.95	-1,165	-509.1	-13	-86.5
Net Debt Issued (Repaid)	-3.1	45.73	6.04	-10	-6.99
Issuance of Common Stock	-	-	0.73	0.32	-
Common Dividends Paid	-1.29	-1.28	-1.27	-1.07	-0.91
Net Increase (Decrease) in Deposit Accounts	-5.92	-8.14	-16.71	84.39	65.93
Other Financing Activities	0	-0.27	0.73	-0.43	0.41
Financing Cash Flow	-10.3	36.05	-10.47	73.21	58.44
Net Cash Flow	10.52	-1.42	-64.82	13.08	29.27
Free Cash Flow	6.52	2.04	0.52	8.28	6.59
Free Cash Flow Growth	220.19%	294.57%	-93.77%	25.71%	-2.23%
Free Cash Flow Margin	24.64%	9.22%	1.96%	30.36%	25.74%
Free Cash Flow Per Share	2.07	0.65	0.16	2.64	2.14
Cash Interest Paid	23.75	21.91	8.59	2.55	4.52
Cash Income Tax Paid	0.97	0.35	2.1	1.96	2.74

Updated Jan 30, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q