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MIDWESTONE FINANCIAL GROUP I (MOFG) Stock Fundamental Analysis

NASDAQ:MOFG - Nasdaq - US5985111039 - Common Stock - Currency: USD

27.06  -0.04 (-0.15%)

After market: 27.06 0 (0%)

Fundamental Rating

3

Taking everything into account, MOFG scores 3 out of 10 in our fundamental rating. MOFG was compared to 398 industry peers in the Banks industry. MOFG may be in some trouble as it scores bad on both profitability and health. MOFG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
Of the past 5 years MOFG 4 years were profitable.
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

Looking at the Return On Assets, with a value of -0.97%, MOFG is doing worse than 96.73% of the companies in the same industry.
MOFG's Return On Equity of -10.77% is on the low side compared to the rest of the industry. MOFG is outperformed by 97.24% of its industry peers.
Industry RankSector Rank
ROA -0.97%
ROE -10.77%
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

The Profit Margin and Operating Margin and Gross Margin are not available for MOFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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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2

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.
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 1.85. This is a very positive value and a sign of high solvency as it would only need 1.85 years to pay back of all of its debts.
With a Debt to FCF ratio value of 1.85, MOFG perfoms like the industry average, outperforming 57.79% of the companies in the same industry.
MOFG has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
MOFG has a Debt to Equity ratio of 0.20. This is comparable to the rest of the industry: MOFG outperforms 47.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.85
Altman-Z N/A
ROIC/WACCN/A
WACC20.19%
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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4

3. Growth

3.1 Past

MOFG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.62%.
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 very negative growth in Revenue. In the last year, the Revenue has decreased by -57.39%.
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)1.62%
EPS 3Y-16.88%
EPS 5Y-2.91%
EPS Q2Q%30%
Revenue 1Y (TTM)-57.39%
Revenue growth 3Y-29.63%
Revenue growth 5Y-16.9%
Sales Q2Q%50.31%

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 19.07% yearly.
Based on estimates for the next years, MOFG will show a quite strong growth in Revenue. The Revenue will grow by 16.22% on average per year.
EPS Next Y31.22%
EPS Next 2Y19.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.48%
Revenue Next 2Y16.22%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 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 0 2 -2 4 -4

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.78, the valuation of MOFG can be described as very reasonable.
MOFG's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of MOFG to the average of the S&P500 Index (28.29), we can say MOFG is valued rather cheaply.
A Price/Forward Earnings ratio of 8.22 indicates a reasonable valuation of MOFG.
Based on the Price/Forward Earnings ratio, MOFG is valued a bit cheaper than 77.39% of the companies in the same industry.
MOFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.78
Fwd PE 8.22
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

Based on the Price/Free Cash Flow ratio, MOFG is valued a bit cheaper than 62.56% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.27
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 19.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y19.07%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

MOFG has a Yearly Dividend Yield of 3.58%. Purely for dividend investing, there may be better candidates out there.
MOFG's Dividend Yield is comparable with the industry average which is at 3.66.
Compared to an average S&P500 Dividend Yield of 2.51, MOFG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.58%

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 Years13
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

The earnings of MOFG are negative and hence is the payout ratio. MOFG will probably not be able to sustain this dividend level.
The dividend of MOFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-27.38%
EPS Next 2Y19.07%
EPS Next 3YN/A
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

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MIDWESTONE FINANCIAL GROUP I

NASDAQ:MOFG (4/21/2025, 4:30:01 PM)

After market: 27.06 0 (0%)

27.06

-0.04 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-24 2025-04-24/amc
Inst Owners80.92%
Inst Owner Change-0.24%
Ins Owners1.33%
Ins Owner Change1.51%
Market Cap563.39M
Analysts81.82
Price Target36.72 (35.7%)
Short Float %1.24%
Short Ratio2.47
Dividend
Industry RankSector Rank
Dividend Yield 3.58%
Yearly Dividend0.91
Dividend Growth(5Y)2.25%
DP-27.38%
Div Incr Years13
Div Non Decr Years14
Ex-Date03-03 2025-03-03 (0.2425)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.9%
Min EPS beat(2)-8.31%
Max EPS beat(2)6.51%
EPS beat(4)2
Avg EPS beat(4)12.9%
Min EPS beat(4)-46.66%
Max EPS beat(4)100.08%
EPS beat(8)3
Avg EPS beat(8)6.02%
EPS beat(12)5
Avg EPS beat(12)4.62%
EPS beat(16)8
Avg EPS beat(16)8.93%
Revenue beat(2)1
Avg Revenue beat(2)1.18%
Min Revenue beat(2)-1.74%
Max Revenue beat(2)4.1%
Revenue beat(4)1
Avg Revenue beat(4)-1.06%
Min Revenue beat(4)-5.06%
Max Revenue beat(4)4.1%
Revenue beat(8)1
Avg Revenue beat(8)-6.29%
Revenue beat(12)5
Avg Revenue beat(12)3.23%
Revenue beat(16)9
Avg Revenue beat(16)8.87%
PT rev (1m)-0.83%
PT rev (3m)1.12%
EPS NQ rev (1m)0.28%
EPS NQ rev (3m)5.59%
EPS NY rev (1m)-0.31%
EPS NY rev (3m)2.7%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)3.64%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)2.42%
Valuation
Industry RankSector Rank
PE 10.78
Fwd PE 8.22
P/S 8.13
P/FCF 9.27
P/OCF 8.92
P/B 1.01
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)2.51
EY9.28%
EPS(NY)3.29
Fwd EY12.17%
FCF(TTM)2.92
FCFY10.79%
OCF(TTM)3.03
OCFY11.21%
SpS3.33
BVpS26.88
TBVpS21.74
PEG (NY)0.35
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.97%
ROE -10.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 87.72%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.85
Debt/EBITDA N/A
Cap/Depr 31.23%
Cap/Sales 3.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC20.19%
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)1.62%
EPS 3Y-16.88%
EPS 5Y-2.91%
EPS Q2Q%30%
EPS Next Y31.22%
EPS Next 2Y19.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-57.39%
Revenue growth 3Y-29.63%
Revenue growth 5Y-16.9%
Sales Q2Q%50.31%
Revenue Next Year27.48%
Revenue Next 2Y16.22%
Revenue Next 3YN/A
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 1Y3.87%
FCF growth 3Y-17.84%
FCF growth 5Y6.15%
OCF growth 1Y0.98%
OCF growth 3Y-17.27%
OCF growth 5Y5.96%