41.42 USD
-0.83 (-1.96%)
40.94 USD
-0.48 (-1.16%)
MOFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 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.
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.
- Each year in the past 5 years MOFG had a positive operating cash flow.
1.2 Ratios
- MOFG has a Return On Assets (0.94%) which is comparable to the rest of the industry.
- With a Return On Equity value of 9.65%, MOFG perfoms like the industry average, outperforming 59.53% of the companies in the same industry.
| 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
- MOFG has a Profit Margin of 24.48%. This is comparable to the rest of the industry: MOFG outperforms 50.65% of its industry peers.
- MOFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
- Compared to 5 years ago, MOFG has more shares outstanding
- Compared to 1 year ago, MOFG has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of MOFG is 1.18, which is an excellent value as it means it would take MOFG, only 1.18 years of fcf income to pay off all of its debts.
- MOFG's Debt to FCF ratio of 1.18 is fine compared to the rest of the industry. MOFG outperforms 61.62% 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 53.79% 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
WACC17.2%
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!
- 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
- Based on estimates for the next years, MOFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.06% on average per year.
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- MOFG is valuated correctly with a Price/Earnings ratio of 14.74.
- MOFG's Price/Earnings ratio is a bit more expensive when compared to the industry. MOFG is more expensive than 63.97% of the companies in the same industry.
- MOFG is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 11.24 indicates a reasonable valuation of MOFG.
- MOFG's Price/Forward Earnings ratio is in line with the industry average.
- MOFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.74 | ||
| Fwd PE | 11.24 |
4.2 Price Multiples
- MOFG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MOFG is cheaper than 61.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.83 | ||
| EV/EBITDA | N/A |
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)0.92
PEG (5Y)N/A
EPS Next 2Y21.15%
EPS Next 3Y16.06%
5. Dividend
5.1 Amount
- MOFG has a Yearly Dividend Yield of 2.30%.
- MOFG's Dividend Yield is slightly below the industry average, which is at 2.86.
- MOFG's Dividend Yield is a higher than the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
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
- 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 2Y21.15%
EPS Next 3Y16.06%
41.42
-0.83 (-1.96%)
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 Owners83.7%
Inst Owner Change0.02%
Ins Owners1.54%
Ins Owner Change1.8%
Market Cap854.49M
Revenue(TTM)238.84M
Net Income(TTM)58.46M
Analysts81.82
Price Target36.72 (-11.35%)
Short Float %2.77%
Short Ratio2.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend0.91
Dividend Growth(5Y)2.25%
DP34.45%
Div Incr Years0
Div Non Decr Years14
Ex-Date01-16 2026-01-16 (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)0%
PT rev (3m)8.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.01%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.74 | ||
| Fwd PE | 11.24 | ||
| P/S | 3.58 | ||
| P/FCF | 10.83 | ||
| P/OCF | 10.37 | ||
| P/B | 1.41 | ||
| P/tB | 1.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.81
EY6.78%
EPS(NY)3.68
Fwd EY8.89%
FCF(TTM)3.82
FCFY9.23%
OCF(TTM)3.99
OCFY9.64%
SpS11.58
BVpS29.38
TBVpS24.43
PEG (NY)0.92
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
WACC17.2%
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.
What is the valuation status of MIDWESTONE FINANCIAL GROUP I (MOFG) stock?
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 are the PE and PB ratios of MIDWESTONE FINANCIAL GROUP I (MOFG) stock?
The Price/Earnings (PE) ratio for MIDWESTONE FINANCIAL GROUP I (MOFG) is 14.74 and the Price/Book (PB) ratio is 1.41.
Can you provide the expected EPS growth for MOFG stock?
The Earnings per Share (EPS) of MIDWESTONE FINANCIAL GROUP I (MOFG) is expected to grow by 16.02% in the next year.