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MIDWESTONE FINANCIAL GROUP I (MOFG) Stock Fundamental Analysis

NASDAQ:MOFG - Nasdaq - US5985111039 - Common Stock - Currency: USD

30.19  +0.51 (+1.72%)

Fundamental Rating

3

MOFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 394 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.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

MOFG had positive earnings in the past year.
MOFG had a positive operating cash flow in the past year.
MOFG had positive earnings in 4 of the past 5 years.
Each year in the past 5 years MOFG had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

The Return On Assets of MOFG (-0.77%) is worse than 96.70% of its industry peers.
MOFG has a Return On Equity of -8.32%. This is amonst the worse of the industry: MOFG underperforms 96.45% of its industry peers.
Industry RankSector Rank
ROA -0.77%
ROE -8.32%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for MOFG so they could not be analyzed.
Industry RankSector 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
MOFG Yearly Profit, Operating, Gross MarginsMOFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

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2

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.
The debt/assets ratio for MOFG has been reduced compared to a year ago.
MOFG Yearly Shares OutstandingMOFG Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

MOFG has a debt to FCF ratio of 1.81. This is a very positive value and a sign of high solvency as it would only need 1.81 years to pay back of all of its debts.
MOFG's Debt to FCF ratio of 1.81 is in line compared to the rest of the industry. MOFG outperforms 53.05% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that MOFG is not too dependend on debt financing.
MOFG has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.81
Altman-Z N/A
ROIC/WACCN/A
WACC19.65%
MOFG Yearly LT Debt VS Equity VS FCFMOFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 54.59% over the past year.
The Earnings Per Share has been decreasing by -2.91% on average over the past years.
MOFG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -51.84%.
The Revenue for MOFG have been decreasing by -16.90% on average. This is quite bad
EPS 1Y (TTM)54.59%
EPS 3Y-16.88%
EPS 5Y-2.91%
EPS Q2Q%247.62%
Revenue 1Y (TTM)-51.84%
Revenue growth 3Y-29.63%
Revenue growth 5Y-16.9%
Sales Q2Q%36.59%

3.2 Future

The Earnings Per Share is expected to grow by 19.80% 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 16.82% yearly.
EPS Next Y31.09%
EPS Next 2Y19.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.34%
Revenue Next 2Y16.82%
Revenue Next 3YN/A
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.
MOFG Yearly Revenue VS EstimatesMOFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
MOFG Yearly EPS VS EstimatesMOFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4 -4

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6

4. Valuation

4.1 Price/Earnings Ratio

MOFG is valuated reasonably with a Price/Earnings ratio of 9.96.
83.76% of the companies in the same industry are more expensive than MOFG, based on the Price/Earnings ratio.
MOFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
The Price/Forward Earnings ratio is 8.38, which indicates a very decent valuation of MOFG.
79.70% of the companies in the same industry are more expensive than MOFG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of MOFG to the average of the S&P500 Index (35.19), we can say MOFG is valued rather cheaply.
Industry RankSector Rank
PE 9.96
Fwd PE 8.38
MOFG Price Earnings VS Forward Price EarningsMOFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

MOFG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MOFG is cheaper than 62.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.48
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.
MOFG's earnings are expected to grow with 19.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y19.8%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.22%, MOFG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.31, 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 2.35.
Industry RankSector Rank
Dividend Yield 3.22%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

The earnings of MOFG are negative and hence is the payout ratio. MOFG will probably not be able to sustain this dividend level.
The dividend of MOFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-36.77%
EPS Next 2Y19.8%
EPS Next 3YN/A
MOFG Yearly Income VS Free CF VS DividendMOFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

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MIDWESTONE FINANCIAL GROUP I

NASDAQ:MOFG (7/14/2025, 12:25:58 PM)

30.19

+0.51 (+1.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-24 2025-07-24/amc
Inst Owners81.13%
Inst Owner Change0%
Ins Owners1.48%
Ins Owner Change2.71%
Market Cap628.56M
Analysts81.82
Price Target34.88 (15.53%)
Short Float %1.6%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 3.22%
Yearly Dividend0.91
Dividend Growth(5Y)2.25%
DP-36.77%
Div Incr Years0
Div Non Decr Years14
Ex-Date06-02 2025-06-02 (0.2425)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.37%
Min EPS beat(2)-1.77%
Max EPS beat(2)6.51%
EPS beat(4)2
Avg EPS beat(4)24.13%
Min EPS beat(4)-8.31%
Max EPS beat(4)100.08%
EPS beat(8)3
Avg EPS beat(8)6.6%
EPS beat(12)4
Avg EPS beat(12)3.69%
EPS beat(16)7
Avg EPS beat(16)4.7%
Revenue beat(2)1
Avg Revenue beat(2)0.38%
Min Revenue beat(2)-3.34%
Max Revenue beat(2)4.1%
Revenue beat(4)1
Avg Revenue beat(4)-1.51%
Min Revenue beat(4)-5.06%
Max Revenue beat(4)4.1%
Revenue beat(8)1
Avg Revenue beat(8)-3.72%
Revenue beat(12)4
Avg Revenue beat(12)1.27%
Revenue beat(16)8
Avg Revenue beat(16)7.03%
PT rev (1m)0%
PT rev (3m)-5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.57%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 9.96
Fwd PE 8.38
P/S 7.63
P/FCF 10.48
P/OCF 10.09
P/B 1.08
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)3.03
EY10.04%
EPS(NY)3.6
Fwd EY11.93%
FCF(TTM)2.88
FCFY9.54%
OCF(TTM)2.99
OCFY9.91%
SpS3.96
BVpS27.84
TBVpS22.78
PEG (NY)0.32
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.77%
ROE -8.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 72.8%
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 RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.81
Debt/EBITDA N/A
Cap/Depr 46.98%
Cap/Sales 2.78%
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
WACC19.65%
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)54.59%
EPS 3Y-16.88%
EPS 5Y-2.91%
EPS Q2Q%247.62%
EPS Next Y31.09%
EPS Next 2Y19.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-51.84%
Revenue growth 3Y-29.63%
Revenue growth 5Y-16.9%
Sales Q2Q%36.59%
Revenue Next Year28.34%
Revenue Next 2Y16.82%
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-24.56%
FCF growth 3Y-17.84%
FCF growth 5Y6.15%
OCF growth 1Y-23.78%
OCF growth 3Y-17.27%
OCF growth 5Y5.96%