IF Bancorp, Inc. (IROQ)

IF Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	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%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
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

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Cash Flow	2.89	10.52	-1.42	-64.82	13.08	29.27

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Free Cash Flow	5.8	6.52	2.04	0.52	8.28	6.59
Free Cash Flow Growth	100.69%	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

SEC Filings: 10-K · 10-Q

Data Source: Fiscal.ai Last updated: Dec 31, 2025

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jan 1, 2000

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