If Bancorp Stock Working Capital

IROQ Stock

USD 23.30 1.26 5.72%

IF Bancorp fundamentals help investors to digest information that contributes to IF Bancorp's financial success or failures. It also enables traders to predict the movement of IROQ Stock. The fundamental analysis module provides a way to measure IF Bancorp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to IF Bancorp stock.

		Last Reported	Projected for Next Year
	Change In Working Capital	-283 K	-268.9 K

As of 12/24/2024, Change In Working Capital is likely to grow to about (268.9 K).

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IF Bancorp Company Working Capital Analysis

IF Bancorp's Working Capital is a measure of company efficiency and operating liquidity. The working capital is usually calculated by subtracting Current Liabilities from Current Assets. It is an important indicator of the firm ability to continue its normal operations without additional debt obligations. .

Working Capital

Current Assets

-

Current Liabilities

More About Working Capital | All Equity Analysis

IROQ Working Capital Driver Correlations

Understanding the fundamental principles of building solid financial models for IF Bancorp is extremely important. It helps to project a fair market value of IROQ Stock properly, considering its historical fundamentals such as Working Capital. Since IF Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of IF Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of IF Bancorp's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Long Term Debt	Net Receivables	Short Term Investments	Total Liab	Total Current Assets	Intangible Assets	Property Plant Equipment	Net Tangible Assets	Capital Surpluse	Long Term Investments	Common Stock	Short Long Term Debt	Short Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.29	-0.52	0.49	0.51	-0.01	0.71	0.7	1.0	-0.3	0.94	0.88	-0.66	0.75	-0.35	0.35	-0.23	-0.47	-0.41	0.7	-0.67	-0.64
Total Stockholder Equity	0.29		0.19	0.23	-0.09	0.15	-0.08	0.36	0.2	0.14	0.12	0.12	0.02	0.04	-0.06	-0.12	0.2	-0.18	-0.26	0.15	0.02	-0.02
Net Debt	-0.52	0.19		0.23	0.05	0.41	-0.11	-0.31	-0.55	-0.04	-0.48	-0.5	0.05	-0.13	0.3	-0.12	0.25	0.73	-0.04	-0.85	0.69	0.21
Retained Earnings	0.49	0.23	0.23		0.55	0.06	0.62	0.36	0.48	-0.22	0.63	0.32	-0.72	0.54	-0.04	0.41	0.02	0.32	-0.37	-0.09	-0.28	-0.39
Accounts Payable	0.51	-0.09	0.05	0.55		0.11	0.8	0.2	0.53	-0.8	0.51	0.52	-0.86	0.86	-0.26	0.25	-0.27	0.13	-0.46	0.08	-0.44	-0.82
Long Term Debt	-0.01	0.15	0.41	0.06	0.11		0.06	-0.06	-0.03	0.15	-0.02	0.07	-0.08	0.25	-0.13	-0.22	0.5	0.15	-0.57	-0.29	0.46	0.03
Net Receivables	0.71	-0.08	-0.11	0.62	0.8	0.06		0.34	0.73	-0.67	0.74	0.71	-0.75	0.85	-0.16	0.43	-0.34	0.0	-0.23	0.22	-0.36	-0.57
Short Term Investments	0.7	0.36	-0.31	0.36	0.2	-0.06	0.34		0.69	-0.02	0.67	0.5	-0.5	0.38	-0.08	0.24	-0.16	-0.42	-0.12	0.42	-0.43	-0.35
Total Liab	1.0	0.2	-0.55	0.48	0.53	-0.03	0.73	0.69		-0.32	0.96	0.89	-0.68	0.76	-0.36	0.37	-0.25	-0.47	-0.39	0.7	-0.69	-0.65
Total Current Assets	-0.3	0.14	-0.04	-0.22	-0.8	0.15	-0.67	-0.02	-0.32		-0.24	-0.39	0.48	-0.57	0.2	-0.41	0.39	0.0	0.08	-0.12	0.33	0.58
Intangible Assets	0.94	0.12	-0.48	0.63	0.51	-0.02	0.74	0.67	0.96	-0.24		0.86	-0.72	0.72	-0.4	0.46	-0.2	-0.36	-0.38	0.6	-0.63	-0.56
Property Plant Equipment	0.88	0.12	-0.5	0.32	0.52	0.07	0.71	0.5	0.89	-0.39	0.86		-0.53	0.73	-0.56	0.31	-0.33	-0.44	-0.39	0.72	-0.5	-0.53
Net Tangible Assets	-0.66	0.02	0.05	-0.72	-0.86	-0.08	-0.75	-0.5	-0.68	0.48	-0.72	-0.53		-0.83	0.21	-0.28	0.25	-0.04	0.42	-0.12	0.56	0.8
Capital Surpluse	0.75	0.04	-0.13	0.54	0.86	0.25	0.85	0.38	0.76	-0.57	0.72	0.73	-0.83		-0.34	0.07	-0.19	-0.04	-0.54	0.27	-0.38	-0.81
Long Term Investments	-0.35	-0.06	0.3	-0.04	-0.26	-0.13	-0.16	-0.08	-0.36	0.2	-0.4	-0.56	0.21	-0.34		-0.06	0.01	0.52	0.31	-0.5	0.23	0.28
Common Stock	0.35	-0.12	-0.12	0.41	0.25	-0.22	0.43	0.24	0.37	-0.41	0.46	0.31	-0.28	0.07	-0.06		-0.12	-0.13	0.01	0.24	-0.44	-0.09
Short Long Term Debt	-0.23	0.2	0.25	0.02	-0.27	0.5	-0.34	-0.16	-0.25	0.39	-0.2	-0.33	0.25	-0.19	0.01	-0.12		0.13	-0.48	-0.14	0.31	0.31
Short Term Debt	-0.47	-0.18	0.73	0.32	0.13	0.15	0.0	-0.42	-0.47	0.0	-0.36	-0.44	-0.04	-0.04	0.52	-0.13	0.13		-0.11	-0.77	0.47	0.1
Earning Assets	-0.41	-0.26	-0.04	-0.37	-0.46	-0.57	-0.23	-0.12	-0.39	0.08	-0.38	-0.39	0.42	-0.54	0.31	0.01	-0.48	-0.11		-0.21	0.22	0.48
Current Deferred Revenue	0.7	0.15	-0.85	-0.09	0.08	-0.29	0.22	0.42	0.7	-0.12	0.6	0.72	-0.12	0.27	-0.5	0.24	-0.14	-0.77	-0.21		-0.69	-0.28
Net Invested Capital	-0.67	0.02	0.69	-0.28	-0.44	0.46	-0.36	-0.43	-0.69	0.33	-0.63	-0.5	0.56	-0.38	0.23	-0.44	0.31	0.47	0.22	-0.69		0.63
Capital Stock	-0.64	-0.02	0.21	-0.39	-0.82	0.03	-0.57	-0.35	-0.65	0.58	-0.56	-0.53	0.8	-0.81	0.28	-0.09	0.31	0.1	0.48	-0.28	0.63

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Working Capital can be positive or negative, depending on how much of current debt the company is carrying on its balance sheet. In general terms, companies that have a lot of working capital will experience more growth in the near future since they can expand and improve their operations using existing resources. On the other hand, companies with small or negative working capital may lack the funds necessary for growth or future operation. Working Capital also shows if the company has sufficient liquid resources to satisfy short-term liabilities and operational expenses.

Competition

Predict IF Bancorp

Working Capital Over Time

IROQ Capital Surpluse

Capital Surpluse

52.58 Million

At this time, IF Bancorp's Capital Surpluse is relatively stable compared to the past year.

According to the company's disclosures, IF Bancorp has a Working Capital of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The working capital for all United States stocks is 100.0% higher than that of the company.

IF Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of IF Bancorp from analyzing IF Bancorp's financial statements. These drivers represent accounts that assess IF Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of IF Bancorp's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	70.2M	53.5M	69.3M	45.0M	52.3M	71.1M
Enterprise Value	34.6M	57.6M	34.5M	53.5M	101.0M	107.4M

IF Bancorp ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, IF Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to IF Bancorp's managers, analysts, and investors.

Environmental

Governance

Social

IROQ Fundamentals

	Return On Equity	0.0269
	Return On Asset	0.0022
	Profit Margin	0.09 %
	Operating Margin	0.15 %
	Current Valuation	193.85 M
	Shares Outstanding	3.22 M
	Shares Owned By Insiders	36.52 %
	Shares Owned By Institutions	27.96 %
	Number Of Shares Shorted	3.14 K
	Price To Earning	9.95 X
	Price To Book	0.96 X
	Price To Sales	3.30 X
	Revenue	22.08 M
	Gross Profit	26.29 M
	EBITDA	3.03 M
	Net Income	1.79 M
	Cash And Equivalents	77.31 M
	Cash Per Share	25.07 X
	Total Debt	58.25 M
	Debt To Equity	6.09 %
	Book Value Per Share	24.46 X
	Cash Flow From Operations	2.28 M
	Short Ratio	0.91 X
	Earnings Per Share	0.62 X
	Number Of Employees	109
	Beta	0.53
	Market Capitalization	74.13 M
	Total Asset	887.75 M
	Retained Earnings	43.88 M
	Annual Yield	0.02 %
	Five Year Return	1.33 %
	Net Asset	887.75 M
	Last Dividend Paid	0.2

About IF Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze IF Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of IF Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of IF Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Pair Trading with IF Bancorp

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if IF Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in IF Bancorp will appreciate offsetting losses from the drop in the long position's value.

Moving together with IROQ Stock

0.63	AX	Axos Financial	Pair Corr
0.67	BY	Byline Bancorp Fiscal Year End 23rd of January 2025	Pair Corr
0.63	PB	Prosperity Bancshares Fiscal Year End 22nd of January 2025	Pair Corr

Moving against IROQ Stock

0.86	TFC-PR	Truist Financial	Pair Corr
0.85	TFC-PO	Truist Financial	Pair Corr
0.84	CFG-PE	Citizens Financial	Pair Corr
0.64	WF	Woori Financial Group	Pair Corr
0.54	NU	Nu Holdings	Pair Corr

The ability to find closely correlated positions to IF Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace IF Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back IF Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling IF Bancorp to buy it.

The correlation of IF Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as IF Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if IF Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for IF Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

Additional Tools for IROQ Stock Analysis

When running IF Bancorp's price analysis, check to measure IF Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy IF Bancorp is operating at the current time. Most of IF Bancorp's value examination focuses on studying past and present price action to predict the probability of IF Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move IF Bancorp's price. Additionally, you may evaluate how the addition of IF Bancorp to your portfolios can decrease your overall portfolio volatility.

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