37.88 USD
-0.62 (-1.61%)
Taking everything into account, MOFG scores 4 out of 10 in our fundamental rating. MOFG was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of MOFG have multiple concerns. MOFG is not valued too expensively and it also shows a decent growth rate. MOFG also has an excellent dividend rating.
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.
In the past 5 years MOFG always reported a positive cash flow from operatings.
1.2 Ratios
MOFG has a Return On Assets of 0.94%. This is comparable to the rest of the industry: MOFG outperforms 53.87% of its industry peers.
MOFG has a Return On Equity of 9.65%. This is comparable to the rest of the industry: MOFG outperforms 59.79% 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 50.77% of the companies in the same industry.
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.
MOFG has more shares outstanding than it did 1 year ago.
MOFG has more shares outstanding than it did 5 years ago.
MOFG has a better debt/assets ratio than last year.
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.
The Debt to FCF ratio of MOFG (1.18) is better than 61.60% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.63%
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.
MOFG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.91% yearly.
MOFG shows a strong growth in Revenue. In the last year, the Revenue has grown by 419.95%.
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 Y16.02%
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
The Price/Earnings ratio is 13.48, which indicates a correct valuation of MOFG.
MOFG's Price/Earnings ratio is in line with the industry average.
MOFG is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.28, the valuation of MOFG can be described as very reasonable.
MOFG's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, MOFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.48 | ||
| Fwd PE | 10.28 |
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 64.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.91 | ||
| 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.
MOFG's earnings are expected to grow with 16.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)N/A
EPS Next 2Y21.15%
EPS Next 3Y16.06%
5. Dividend
5.1 Amount
MOFG has a Yearly Dividend Yield of 2.47%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.74, MOFG has a dividend in line with its industry peers.
MOFG's Dividend Yield is a higher than the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
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%
NASDAQ:MOFG (1/2/2026, 11:45:05 AM)
37.88
-0.62 (-1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners83.39%
Inst Owner Change0.76%
Ins Owners1.54%
Ins Owner Change0.83%
Market Cap781.46M
Revenue(TTM)238.84M
Net Income(TTM)58.46M
Analysts81.82
Price Target36.72 (-3.06%)
Short Float %2.92%
Short Ratio2.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
Yearly Dividend0.91
Dividend Growth(5Y)2.25%
DP34.45%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
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)-0.66%
EPS NY rev (3m)-0.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.01%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.48 | ||
| Fwd PE | 10.28 | ||
| P/S | 3.27 | ||
| P/FCF | 9.91 | ||
| P/OCF | 9.48 | ||
| P/B | 1.29 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.81
EY7.42%
EPS(NY)3.68
Fwd EY9.73%
FCF(TTM)3.82
FCFY10.09%
OCF(TTM)3.99
OCFY10.55%
SpS11.58
BVpS29.38
TBVpS24.43
PEG (NY)0.84
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
WACC17.63%
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 13.48 and the Price/Book (PB) ratio is 1.29.
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.