MIDWESTONE FINANCIAL GROUP I (MOFG) Stock Fundamental Analysis

NASDAQ:MOFG • US5985111039

48.18 USD
+0.08 (+0.17%)
At close: Feb 12, 2026
48.18 USD
0 (0%)
After Hours: 2/12/2026, 8:02:31 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

MOFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. MOFG may be in some trouble as it scores bad on both profitability and health. MOFG is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • MOFG had positive earnings in the past year.
  • MOFG had a positive operating cash flow in the past year.
  • MOFG had positive earnings in 4 of the past 5 years.
  • MOFG had a positive operating cash flow in each of the past 5 years.
MOFG Yearly Net Income VS EBIT VS OCF VS FCFMOFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

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 (9.65%) which is comparable to the rest of the industry.
Industry RankSector 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
MOFG Yearly ROA, ROE, ROICMOFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • The Profit Margin of MOFG (24.48%) is comparable to the rest of the industry.
  • MOFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
MOFG Yearly Profit, Operating, Gross MarginsMOFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • MOFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, MOFG has more shares outstanding
  • MOFG has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for MOFG has been reduced compared to a year ago.
MOFG Yearly Shares OutstandingMOFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
MOFG Yearly Total Debt VS Total AssetsMOFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of MOFG is 1.18, which is an excellent value as it means it would take MOFG, only 1.18 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of MOFG (1.18) is better than 61.68% 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 has a Debt to Equity ratio (0.15) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC16.24%
MOFG Yearly LT Debt VS Equity VS FCFMOFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MOFG Yearly Current Assets VS Current LiabilitesMOFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • MOFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.60%, which is quite impressive.
  • Measured over the past years, MOFG shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.91% on average per year.
  • MOFG shows a strong growth in Revenue. In the last year, the Revenue has grown by 419.95%.
  • 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

  • MOFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.06% yearly.
  • MOFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.46% yearly.
EPS Next Y18.53%
EPS Next 2Y21.83%
EPS Next 3Y16.06%
EPS Next 5YN/A
Revenue Next Year29.43%
Revenue Next 2Y18.05%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MOFG Yearly Revenue VS EstimatesMOFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
MOFG Yearly EPS VS EstimatesMOFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 -4

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • MOFG is valuated rather expensively with a Price/Earnings ratio of 17.15.
  • MOFG's Price/Earnings ratio is a bit more expensive when compared to the industry. MOFG is more expensive than 76.64% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MOFG to the average of the S&P500 Index (27.67), we can say MOFG is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 12.93, the valuation of MOFG can be described as correct.
  • Based on the Price/Forward Earnings ratio, MOFG is valued a bit more expensive than 63.78% of the companies in the same industry.
  • MOFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.15
Fwd PE 12.93
MOFG Price Earnings VS Forward Price EarningsMOFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • MOFG's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.6
EV/EBITDA N/A
MOFG Per share dataMOFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • MOFG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MOFG's earnings are expected to grow with 16.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.93
PEG (5Y)N/A
EPS Next 2Y21.83%
EPS Next 3Y16.06%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.02%, MOFG has a reasonable but not impressive dividend return.
  • MOFG's Dividend Yield is slightly below the industry average, which is at 2.53.
  • MOFG's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.02%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.25%
Div Incr Years0
Div Non Decr Years14
MOFG Yearly Dividends per shareMOFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

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 2Y21.83%
EPS Next 3Y16.06%
MOFG Yearly Income VS Free CF VS DividendMOFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
MOFG Dividend Payout.MOFG Dividend Payout, showing the Payout Ratio.MOFG Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

MIDWESTONE FINANCIAL GROUP I

NASDAQ:MOFG (2/12/2026, 8:02:31 PM)

After market: 48.18 0 (0%)

48.18

+0.08 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)04-22
Inst Owners83.7%
Inst Owner Change-5.2%
Ins Owners1.54%
Ins Owner Change1.38%
Market Cap993.95M
Revenue(TTM)238.84M
Net Income(TTM)58.46M
Analysts80
Price Target36.98 (-23.25%)
Short Float %2.92%
Short Ratio2.69
Dividend
Industry RankSector Rank
Dividend Yield 2.02%
Yearly Dividend0.91
Dividend Growth(5Y)2.25%
DP34.45%
Div Incr Years0
Div Non Decr Years14
Ex-Date01-16
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-20.92%
Min EPS beat(2)-39.31%
Max EPS beat(2)-2.53%
EPS beat(4)1
Avg EPS beat(4)-9.28%
Min EPS beat(4)-39.31%
Max EPS beat(4)6.51%
EPS beat(8)3
Avg EPS beat(8)3.55%
EPS beat(12)3
Avg EPS beat(12)-0.29%
EPS beat(16)5
Avg EPS beat(16)0.28%
Revenue beat(2)0
Avg Revenue beat(2)-2.18%
Min Revenue beat(2)-3.14%
Max Revenue beat(2)-1.21%
Revenue beat(4)1
Avg Revenue beat(4)-0.9%
Min Revenue beat(4)-3.34%
Max Revenue beat(4)4.1%
Revenue beat(8)1
Avg Revenue beat(8)-2.26%
Revenue beat(12)2
Avg Revenue beat(12)-3.8%
Revenue beat(16)6
Avg Revenue beat(16)3.42%
PT rev (1m)0.69%
PT rev (3m)1.83%
EPS NQ rev (1m)3.37%
EPS NQ rev (3m)2.88%
EPS NY rev (1m)2.16%
EPS NY rev (3m)1.48%
Revenue NQ rev (1m)0.36%
Revenue NQ rev (3m)0.36%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 17.15
Fwd PE 12.93
P/S 4.16
P/FCF 12.6
P/OCF 12.06
P/B 1.64
P/tB 1.97
EV/EBITDA N/A
EPS(TTM)2.81
EY5.83%
EPS(NY)3.73
Fwd EY7.73%
FCF(TTM)3.82
FCFY7.94%
OCF(TTM)3.99
OCFY8.29%
SpS11.58
BVpS29.38
TBVpS24.43
PEG (NY)0.93
PEG (5Y)N/A
Graham Number43.1
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.48%
GM N/A
FCFM 33.03%
ROA(3y)0.09%
ROA(5y)0.31%
ROE(3y)1.85%
ROE(5y)4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.18
Debt/EBITDA N/A
Cap/Depr -1259.64%
Cap/Sales 1.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 134.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.24%
ROIC/WACCN/A
Cap/Depr(3y)29.99%
Cap/Depr(5y)52.12%
Cap/Sales(3y)2.41%
Cap/Sales(5y)1.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.6%
EPS 3Y-16.88%
EPS 5Y-2.91%
EPS Q2Q%57.69%
EPS Next Y18.53%
EPS Next 2Y21.83%
EPS Next 3Y16.06%
EPS Next 5YN/A
Revenue 1Y (TTM)419.95%
Revenue growth 3Y-29.63%
Revenue growth 5Y-16.9%
Sales Q2Q%35.95%
Revenue Next Year29.43%
Revenue Next 2Y18.05%
Revenue Next 3Y12.46%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.41%
FCF growth 3Y-17.84%
FCF growth 5Y6.15%
OCF growth 1Y11.66%
OCF growth 3Y-17.27%
OCF growth 5Y5.96%

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 17.15 and the Price/Book (PB) ratio is 1.64.


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 18.53% in the next year.