MOFG Fundamental Analysis - MIDWESTONE FINANCIAL GROUP I

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to MOFG. MOFG was compared to 391 industry peers in the Banks industry. MOFG may be in some trouble as it scores bad on both profitability and health. MOFG is valued quite cheap, while showing a decent growth score. This is a good combination!

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1. Profitability

1.1 Basic Checks

In the past year MOFG was profitable.

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.

1.2 Ratios

MOFG has a Return On Assets of -0.88%. This is amonst the worse of the industry: MOFG underperforms 96.16% of its industry peers.

MOFG has a worse Return On Equity (-9.21%) than 95.91% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.88%
ROE	-9.21%
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

MOFG does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

MOFG does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for MOFG has been increased compared to 1 year ago.

The number of shares outstanding for MOFG has been increased compared to 5 years ago.

Compared to 1 year ago, MOFG has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of MOFG is 1.82, which is an excellent value as it means it would take MOFG, only 1.82 years of fcf income to pay off all of its debts.

MOFG has a Debt to FCF ratio (1.82) which is in line with its industry peers.

A Debt/Equity ratio of 0.18 indicates that MOFG is not too dependend on debt financing.

MOFG has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: MOFG outperforms 47.57% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.82
Altman-Z	N/A

ROIC/WACCN/A

WACC19.56%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

MOFG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.02%.

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.

Looking at the last year, MOFG shows a very negative growth in Revenue. The Revenue has decreased by -53.77% in the last year.

The Revenue for MOFG have been decreasing by -16.90% on average. This is quite bad

EPS 1Y (TTM)5.02%

EPS 3Y-16.88%

EPS 5Y-2.91%

EPS Q2Q%-52%

Revenue 1Y (TTM)-53.77%

Revenue growth 3Y-29.63%

Revenue growth 5Y-16.9%

Sales Q2Q%37.51%

3.2 Future

The Earnings Per Share is expected to grow by 20.78% on average over the next years. This is a very strong growth

Based on estimates for the next years, MOFG will show a quite strong growth in Revenue. The Revenue will grow by 17.23% on average per year.

EPS Next Y16.95%

EPS Next 2Y20.78%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year28.85%

Revenue Next 2Y17.23%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.61 indicates a reasonable valuation of MOFG.

Based on the Price/Earnings ratio, MOFG is valued a bit cheaper than 61.13% of the companies in the same industry.

MOFG is valuated cheaply when we compare the Price/Earnings ratio to 27.50, which is the current average of the S&P500 Index.

MOFG is valuated cheaply with a Price/Forward Earnings ratio of 7.96.

Based on the Price/Forward Earnings ratio, MOFG is valued cheaper than 84.14% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, MOFG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.61
Fwd PE	7.96

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 66.24% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.23
EV/EBITDA	N/A

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 20.78% in the coming years.

PEG (NY)0.68

PEG (5Y)N/A

EPS Next 2Y20.78%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

MOFG has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.

MOFG's Dividend Yield is comparable with the industry average which is at 3.60.

Compared to an average S&P500 Dividend Yield of 2.44, MOFG pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.36%

5.2 History

The dividend of MOFG has a limited annual growth rate of 2.25%.

MOFG has paid a dividend for at least 10 years, which is 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

5.3 Sustainability

MOFG has negative earnings and hence a negative payout ratio. The dividend may be in danger.

The dividend of MOFG is growing, but earnings are growing more, so the dividend growth is sustainable.

DP-34.94%

EPS Next 2Y20.78%

EPS Next 3YN/A

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MIDWESTONE FINANCIAL GROUP I

NASDAQ:MOFG (10/14/2025, 8:00:02 PM)

After market: 29.14 0 (0%)

29.14

+0.83 (+2.93%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-23 2025-10-23/amc

Inst Owners83.13%

Inst Owner Change0%

Ins Owners1.52%

Ins Owner Change1.79%

Market Cap603.49M

Analysts81.82

Price Target33.86 (16.2%)

Short Float %2.79%

Short Ratio4.64

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.36%

Yearly Dividend0.91

Dividend Growth(5Y)2.25%

DP-34.94%

Div Incr Years0

Div Non Decr Years14

Ex-Date09-02 2025-09-02 (0.2425)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-20.54%

Min EPS beat(2)-39.31%

Max EPS beat(2)-1.77%

EPS beat(4)1

Avg EPS beat(4)-10.72%

Min EPS beat(4)-39.31%

Max EPS beat(4)6.51%

EPS beat(8)3

Avg EPS beat(8)3.84%

EPS beat(12)4

Avg EPS beat(12)1.06%

EPS beat(16)6

Avg EPS beat(16)1.06%

Revenue beat(2)0

Avg Revenue beat(2)-2.27%

Min Revenue beat(2)-3.34%

Max Revenue beat(2)-1.21%

Revenue beat(4)1

Avg Revenue beat(4)-0.55%

Min Revenue beat(4)-3.34%

Max Revenue beat(4)4.1%

Revenue beat(8)1

Avg Revenue beat(8)-3.04%

Revenue beat(12)3

Avg Revenue beat(12)-1.22%

Revenue beat(16)7

Avg Revenue beat(16)5.39%

PT rev (1m)0%

PT rev (3m)-2.92%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.5%

EPS NY rev (1m)0%

EPS NY rev (3m)-10.78%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.83%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.39%

Valuation

		Industry Rank	Sector Rank
PE	11.61
Fwd PE	7.96
P/S	7.12
P/FCF	10.23
P/OCF	9.77
P/B	1.02
P/tB	1.24
EV/EBITDA	N/A

EPS(TTM)2.51

EY8.61%

EPS(NY)3.66

Fwd EY12.57%

FCF(TTM)2.85

FCFY9.77%

OCF(TTM)2.98

OCFY10.24%

SpS4.09

BVpS28.44

TBVpS23.43

PEG (NY)0.68

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.88%
ROE	-9.21%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	69.62%

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 Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.82
Debt/EBITDA	N/A
Cap/Depr	131.59%
Cap/Sales	3.3%
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

WACC19.56%

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)5.02%

EPS 3Y-16.88%

EPS 5Y-2.91%

EPS Q2Q%-52%

EPS Next Y16.95%

EPS Next 2Y20.78%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-53.77%

Revenue growth 3Y-29.63%

Revenue growth 5Y-16.9%

Sales Q2Q%37.51%

Revenue Next Year28.85%

Revenue Next 2Y17.23%

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 1Y-30.12%

FCF growth 3Y-17.84%

FCF growth 5Y6.15%

OCF growth 1Y-29.08%

OCF growth 3Y-17.27%

OCF growth 5Y5.96%

MIDWESTONE FINANCIAL GROUP I (MOFG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens