MIDWESTONE FINANCIAL GROUP I (MOFG) Fundamental Analysis & Valuation

NASDAQ:MOFG • US5985111039

Current stock price

49.31 USD
+1.13 (+2.35%)
At close:
48.12 USD
-1.19 (-2.41%)
After Hours:

This MOFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. MOFG Profitability Analysis

1.1 Basic Checks

  • MOFG had positive earnings in the past year.
  • In the past year MOFG had a positive cash flow from operations.
  • MOFG had positive earnings in 4 of the past 5 years.
  • In the past 5 years MOFG always reported a positive cash flow from operatings.
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 in line with its industry peers.
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

  • MOFG has a Profit Margin of 24.48%. This is comparable to the rest of the industry: MOFG outperforms 50.66% of its industry peers.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. MOFG Health Analysis

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
  • Compared to 5 years ago, MOFG has more shares outstanding
  • Compared to 1 year ago, MOFG has an improved debt to assets ratio.
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

  • 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.
  • 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
WACC16.02%
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

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

6

3. MOFG Growth Analysis

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%.
  • 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

  • The Earnings Per Share is expected to grow by 16.06% on average over the next years. This is quite good.
  • 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

  • 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 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

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3

4. MOFG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.55, MOFG is valued on the expensive side.
  • 77.95% of the companies in the same industry are cheaper than MOFG, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.78, MOFG is valued a bit cheaper.
  • MOFG is valuated correctly with a Price/Forward Earnings ratio of 13.24.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MOFG indicates a slightly more expensive valuation: MOFG is more expensive than 65.35% of the companies listed in the same industry.
  • MOFG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.54.
Industry RankSector Rank
PE 17.55
Fwd PE 13.24
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as MOFG.
Industry RankSector Rank
P/FCF 12.9
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

  • The 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)0.95
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. MOFG Dividend Analysis

5.1 Amount

  • MOFG has a Yearly Dividend Yield of 1.97%. Purely for dividend investing, there may be better candidates out there.
  • MOFG's Dividend Yield is slightly below the industry average, which is at 2.59.
  • MOFG's Dividend Yield is comparable with the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 1.97%

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.
  • MOFG's earnings are growing more than its dividend. This makes the dividend growth 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

MOFG Fundamentals: All Metrics, Ratios and Statistics

MIDWESTONE FINANCIAL GROUP I

NASDAQ:MOFG (2/13/2026, 8:26:47 PM)

After market: 48.12 -1.19 (-2.41%)

49.31

+1.13 (+2.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)04-22
Inst Owners83.7%
Inst Owner Change0%
Ins Owners1.54%
Ins Owner Change-95.79%
Market Cap1.02B
Revenue(TTM)238.84M
Net Income(TTM)58.46M
Analysts80
Price Target36.98 (-25.01%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.97%
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)0.86%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.62%
Valuation
Industry RankSector Rank
PE 17.55
Fwd PE 13.24
P/S 4.26
P/FCF 12.9
P/OCF 12.34
P/B 1.68
P/tB 2.02
EV/EBITDA N/A
EPS(TTM)2.81
EY5.7%
EPS(NY)3.73
Fwd EY7.56%
FCF(TTM)3.82
FCFY7.75%
OCF(TTM)3.99
OCFY8.1%
SpS11.58
BVpS29.38
TBVpS24.43
PEG (NY)0.95
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
WACC16.02%
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 Fundamental Analysis 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.


Can you provide the profitability details for MIDWESTONE FINANCIAL GROUP I?

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


Can you provide the PE and PB ratios for MOFG stock?

The Price/Earnings (PE) ratio for MIDWESTONE FINANCIAL GROUP I (MOFG) is 17.55 and the Price/Book (PB) ratio is 1.68.


How sustainable is the dividend of MIDWESTONE FINANCIAL GROUP I (MOFG) stock?

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