45.45 USD
-0.05 (-0.11%)
45.45 USD
0 (0%)
Taking everything into account, MOFG scores 4 out of 10 in our fundamental rating. MOFG was compared to 383 industry peers in the Banks industry. MOFG may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, MOFG is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- MOFG had positive earnings in the past year.
- In the past year MOFG had a positive cash flow from operations.
- MOFG had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years MOFG had a positive operating cash flow.
1.2 Ratios
- MOFG has a Return On Assets (0.94%) which is comparable to the rest of the industry.
- MOFG has a Return On Equity of 9.65%. This is comparable to the rest of the industry: MOFG outperforms 59.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 9.65% | ||
| ROIC | N/A |
ROA(3y)0.09%
ROA(5y)0.31%
ROE(3y)1.85%
ROE(5y)4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 24.48%, MOFG is in line with its industry, outperforming 50.65% of the companies in the same industry.
- The Operating Margin and Gross Margin are not available for MOFG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.48% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- MOFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
- MOFG has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, MOFG has more shares outstanding
- The debt/assets ratio for MOFG has been reduced compared to a year ago.
2.2 Solvency
- MOFG has a debt to FCF ratio of 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.
- MOFG's Debt to FCF ratio of 1.18 is fine compared to the rest of the industry. MOFG outperforms 61.88% of its industry peers.
- MOFG has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
- MOFG's Debt to Equity ratio of 0.15 is in line compared to the rest of the industry. MOFG outperforms 53.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 20.60% over the past year.
- The Earnings Per Share has been decreasing by -2.91% on average over the past years.
- The Revenue has grown by 419.95% in the past year. This is a very strong growth!
- The Revenue for MOFG have been decreasing by -16.90% on average. This is quite bad
EPS 1Y (TTM)20.6%
EPS 3Y-16.88%
EPS 5Y-2.91%
EPS Q2Q%57.69%
Revenue 1Y (TTM)419.95%
Revenue growth 3Y-29.63%
Revenue growth 5Y-16.9%
Sales Q2Q%35.95%
3.2 Future
- The Earnings Per Share is expected to grow by 16.06% on average over the next years. This is quite good.
- The Revenue is expected to grow by 12.46% on average over the next years. This is quite good.
EPS Next Y16.02%
EPS Next 2Y21.15%
EPS Next 3Y16.06%
EPS Next 5YN/A
Revenue Next Year29.09%
Revenue Next 2Y17.68%
Revenue Next 3Y12.46%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 16.17 indicates a correct valuation of MOFG.
- Compared to the rest of the industry, the Price/Earnings ratio of MOFG indicates a slightly more expensive valuation: MOFG is more expensive than 73.11% of the companies listed in the same industry.
- MOFG is valuated rather cheaply when we compare the Price/Earnings ratio to 28.87, which is the current average of the S&P500 Index.
- MOFG is valuated correctly with a Price/Forward Earnings ratio of 12.34.
- MOFG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MOFG is more expensive than 62.14% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.96, MOFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.17 | ||
| Fwd PE | 12.34 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as MOFG.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as MOFG's earnings are expected to grow with 16.06% in the coming years.
PEG (NY)1.01
PEG (5Y)N/A
EPS Next 2Y21.15%
EPS Next 3Y16.06%
5. Dividend
5.1 Amount
- MOFG has a Yearly Dividend Yield of 2.11%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.62, MOFG is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.82, MOFG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
5.2 History
- The dividend of MOFG has a limited annual growth rate of 2.25%.
- MOFG has been paying a dividend for at least 10 years, so it has a reliable track record.
- MOFG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.25%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
- MOFG pays out 34.45% of its income as dividend. This is a sustainable payout ratio.
- The dividend of MOFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.45%
EPS Next 2Y21.15%
EPS Next 3Y16.06%
MIDWESTONE FINANCIAL GROUP I / MOFG FAQ
Can you provide the ChartMill fundamental rating for MIDWESTONE FINANCIAL GROUP I?
ChartMill assigns a fundamental rating of 4 / 10 to MOFG.
What is the valuation status of MIDWESTONE FINANCIAL GROUP I (MOFG) stock?
ChartMill assigns a valuation rating of 3 / 10 to MIDWESTONE FINANCIAL GROUP I (MOFG). This can be considered as Overvalued.
How profitable is MIDWESTONE FINANCIAL GROUP I (MOFG) stock?
MIDWESTONE FINANCIAL GROUP I (MOFG) has a profitability rating of 3 / 10.
What are the PE and PB ratios of MIDWESTONE FINANCIAL GROUP I (MOFG) stock?
The Price/Earnings (PE) ratio for MIDWESTONE FINANCIAL GROUP I (MOFG) is 16.17 and the Price/Book (PB) ratio is 1.55.
Can you provide the expected EPS growth for MOFG stock?
The Earnings per Share (EPS) of MIDWESTONE FINANCIAL GROUP I (MOFG) is expected to grow by 16.02% in the next year.