40.74 USD
-0.08 (-0.2%)
40.74 USD
0 (0%)
MOFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of MOFG have multiple concerns. MOFG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year MOFG was profitable.
MOFG had a positive operating cash flow in the past year.
Of the past 5 years MOFG 4 years were profitable.
In the past 5 years MOFG always reported a positive cash flow from operatings.
1.2 Ratios
MOFG has a Return On Assets (0.94%) which is in line with its industry peers.
The Return On Equity of MOFG (9.65%) is better than 60.21% 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
With a Profit Margin value of 24.48%, MOFG perfoms like the industry average, outperforming 51.68% 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.
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.
Compared to 1 year ago, MOFG has an improved debt to assets ratio.
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 62.27% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that MOFG is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.15, MOFG is in line with its industry, outperforming 54.01% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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!
Measured over the past years, MOFG shows a very negative growth in Revenue. The Revenue has been decreasing by -16.90% on average per year.
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 Y16.79%
EPS Next 2Y20.82%
EPS Next 3Y16.06%
EPS Next 5YN/A
Revenue Next Year28.63%
Revenue Next 2Y17.08%
Revenue Next 3Y12.46%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.50, MOFG is valued correctly.
Based on the Price/Earnings ratio, MOFG is valued a bit more expensive than the industry average as 64.60% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.46. MOFG is valued slightly cheaper when compared to this.
MOFG is valuated reasonably with a Price/Forward Earnings ratio of 11.12.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MOFG is on the same level as its industry peers.
MOFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.5 | ||
| Fwd PE | 11.12 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MOFG is valued a bit cheaper than 62.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.65 | ||
| 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 16.06% in the coming years.
PEG (NY)0.86
PEG (5Y)N/A
EPS Next 2Y20.82%
EPS Next 3Y16.06%
5. Dividend
5.1 Amount
MOFG has a Yearly Dividend Yield of 2.42%.
MOFG's Dividend Yield is comparable with the industry average which is at 3.15.
Compared to an average S&P500 Dividend Yield of 2.32, MOFG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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
5.3 Sustainability
34.45% of the earnings are spent on dividend by MOFG. This is a low number and sustainable payout ratio.
The dividend of MOFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.45%
EPS Next 2Y20.82%
EPS Next 3Y16.06%
40.74
-0.08 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners83.13%
Inst Owner Change0.76%
Ins Owners1.52%
Ins Owner Change0.83%
Market Cap840.47M
Revenue(TTM)238.84M
Net Income(TTM)58.46M
Analysts81.82
Price Target36.72 (-9.87%)
Short Float %2.43%
Short Ratio1.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
Yearly Dividend0.91
Dividend Growth(5Y)2.25%
DP34.45%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.5 | ||
| Fwd PE | 11.12 | ||
| P/S | 3.52 | ||
| P/FCF | 10.65 | ||
| P/OCF | 10.2 | ||
| P/B | 1.39 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.81
EY6.9%
EPS(NY)3.66
Fwd EY8.99%
FCF(TTM)3.82
FCFY9.39%
OCF(TTM)3.99
OCFY9.81%
SpS11.58
BVpS29.38
TBVpS24.43
PEG (NY)0.86
PEG (5Y)N/A
Graham Number43.1
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC17.21%
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 Y16.79%
EPS Next 2Y20.82%
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 Year28.63%
Revenue Next 2Y17.08%
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 16.79% 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%.