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MIDWESTONE FINANCIAL GROUP I (MOFG) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:MOFG - US5985111039 - Common Stock

40.77 USD
+0.03 (+0.07%)
Last: 12/8/2025, 8:27:46 PM
40.77 USD
0 (0%)
After Hours: 12/8/2025, 8:27:46 PM
Fundamental Rating

4

Overall MOFG gets a fundamental rating of 4 out of 10. We evaluated MOFG against 387 industry peers in the Banks industry. MOFG has a bad profitability rating. Also its financial health evaluation is rather negative. MOFG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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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 2015 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 in line with its industry peers.
With a decent Return On Equity value of 9.65%, MOFG is doing good in the industry, outperforming 60.21% of the companies in the same 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

With a Profit Margin value of 24.48%, MOFG perfoms like the industry average, outperforming 51.16% 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

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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
The number of shares outstanding for MOFG has been increased compared to 5 years ago.
MOFG has a better debt/assets ratio than last year.
MOFG Yearly Shares OutstandingMOFG Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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 has a Debt to FCF ratio of 1.18. This is in the better half of the industry: MOFG outperforms 60.98% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that MOFG is not too dependend on debt financing.
The Debt to Equity ratio of MOFG (0.15) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC17.23%
MOFG Yearly LT Debt VS Equity VS FCFMOFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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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.
MOFG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.91% yearly.
The Revenue has grown by 419.95% in the past year. This is a very strong growth!
MOFG shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -16.90% yearly.
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.
Based on estimates for the next years, MOFG will show a quite strong growth in Revenue. The Revenue will grow by 12.46% on average per year.
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.
MOFG Yearly Revenue VS EstimatesMOFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 -4

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.51, which 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 65.37% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of MOFG to the average of the S&P500 Index (26.34), we can say MOFG is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 11.07, the valuation of MOFG can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as MOFG.
MOFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.56.
Industry RankSector Rank
PE 14.51
Fwd PE 11.07
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MOFG indicates a somewhat cheap valuation: MOFG is cheaper than 61.24% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.66
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.
A more expensive valuation may be justified as MOFG's earnings are expected to grow with 16.06% in the coming years.
PEG (NY)0.91
PEG (5Y)N/A
EPS Next 2Y21.15%
EPS Next 3Y16.06%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.38%, MOFG has a reasonable but not impressive dividend return.
MOFG's Dividend Yield is comparable with the industry average which is at 3.11.
MOFG's Dividend Yield is comparable with the S&P500 average which is at 2.31.
Industry RankSector Rank
Dividend Yield 2.38%

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
MOFG Yearly Dividends per shareMOFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

34.45% of the earnings are spent on dividend by MOFG. This is a low number and sustainable payout ratio.
MOFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.45%
EPS Next 2Y21.15%
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 2015 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

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MIDWESTONE FINANCIAL GROUP I

NASDAQ:MOFG (12/8/2025, 8:27:46 PM)

After market: 40.77 0 (0%)

40.77

+0.03 (+0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners83.39%
Inst Owner Change0.76%
Ins Owners1.54%
Ins Owner Change0.83%
Market Cap841.09M
Revenue(TTM)238.84M
Net Income(TTM)58.46M
Analysts81.82
Price Target36.72 (-9.93%)
Short Float %2.43%
Short Ratio1.9
Dividend
Industry RankSector Rank
Dividend Yield 2.38%
Yearly Dividend0.91
Dividend Growth(5Y)2.25%
DP34.45%
Div Incr Years0
Div Non Decr Years14
Ex-Date12-01 2025-12-01 (0.2425)
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)1.12%
PT rev (3m)8.43%
EPS NQ rev (1m)-0.47%
EPS NQ rev (3m)-1.01%
EPS NY rev (1m)-0.66%
EPS NY rev (3m)-0.8%
Revenue NQ rev (1m)0.5%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)0.32%
Valuation
Industry RankSector Rank
PE 14.51
Fwd PE 11.07
P/S 3.52
P/FCF 10.66
P/OCF 10.21
P/B 1.39
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)2.81
EY6.89%
EPS(NY)3.68
Fwd EY9.04%
FCF(TTM)3.82
FCFY9.38%
OCF(TTM)3.99
OCFY9.8%
SpS11.58
BVpS29.38
TBVpS24.43
PEG (NY)0.91
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
WACC17.23%
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 Y16.02%
EPS Next 2Y21.15%
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 Year29.09%
Revenue Next 2Y17.68%
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.


Can you provide the valuation status for MIDWESTONE FINANCIAL GROUP I?

ChartMill assigns a valuation rating of 5 / 10 to MIDWESTONE FINANCIAL GROUP I (MOFG). This can be considered as Fairly Valued.


How profitable is MIDWESTONE FINANCIAL GROUP I (MOFG) stock?

MIDWESTONE FINANCIAL GROUP I (MOFG) has a profitability rating of 3 / 10.


What is the earnings growth outlook for MIDWESTONE FINANCIAL GROUP I?

The Earnings per Share (EPS) of MIDWESTONE FINANCIAL GROUP I (MOFG) is expected to grow by 16.02% in the next year.


Is the dividend of MIDWESTONE FINANCIAL GROUP I sustainable?

The dividend rating of MIDWESTONE FINANCIAL GROUP I (MOFG) is 6 / 10 and the dividend payout ratio is 34.45%.