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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.14
MFSF's Cash to Debt is ranked lower than
89% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. MFSF: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
MFSF' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.18 Max: N/A
Current: 0.14
Equity to Asset 0.09
MFSF's Equity to Asset is ranked lower than
61% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MFSF: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
MFSF' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.18
Current: 0.09
0.08
0.18
Interest Coverage 1.85
MFSF's Interest Coverage is ranked higher than
53% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. MFSF: 1.85 )
Ranked among companies with meaningful Interest Coverage only.
MFSF' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.33 Max: 1.91
Current: 1.85
0.11
1.91
F-Score: 5
M-Score: -2.52
WACC vs ROIC
3.04%
3.64%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 27.29
MFSF's Operating margin (%) is ranked lower than
61% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. MFSF: 27.29 )
Ranked among companies with meaningful Operating margin (%) only.
MFSF' s Operating margin (%) Range Over the Past 10 Years
Min: -76.34  Med: 16.24 Max: 28.01
Current: 27.29
-76.34
28.01
Net-margin (%) 20.13
MFSF's Net-margin (%) is ranked lower than
59% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. MFSF: 20.13 )
Ranked among companies with meaningful Net-margin (%) only.
MFSF' s Net-margin (%) Range Over the Past 10 Years
Min: -55.16  Med: 13.07 Max: 20.4
Current: 20.13
-55.16
20.4
ROE (%) 9.01
MFSF's ROE (%) is ranked higher than
55% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. MFSF: 9.01 )
Ranked among companies with meaningful ROE (%) only.
MFSF' s ROE (%) Range Over the Past 10 Years
Min: -20.32  Med: 4.56 Max: 9.3
Current: 9.01
-20.32
9.3
ROA (%) 0.83
MFSF's ROA (%) is ranked lower than
54% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. MFSF: 0.83 )
Ranked among companies with meaningful ROA (%) only.
MFSF' s ROA (%) Range Over the Past 10 Years
Min: -1.88  Med: 0.48 Max: 0.85
Current: 0.83
-1.88
0.85
EBITDA Growth (3Y)(%) 8.60
MFSF's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. MFSF: 8.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MFSF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -6.90 Max: 24
Current: 8.6
0
24
EPS Growth (3Y)(%) 25.50
MFSF's EPS Growth (3Y)(%) is ranked higher than
82% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MFSF: 25.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MFSF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -1.30 Max: 95.5
Current: 25.5
0
95.5
» MFSF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

MFSF Guru Trades in Q2 2015

Jim Simons 106,000 sh (-3.11%)
» More
Q3 2015

MFSF Guru Trades in Q3 2015

Jim Simons 107,000 sh (+0.94%)
» More
Q4 2015

MFSF Guru Trades in Q4 2015

Jim Simons 109,800 sh (+2.62%)
» More
Q1 2016

MFSF Guru Trades in Q1 2016

Jim Simons 116,800 sh (+6.38%)
» More
» Details

Insider Trades

Latest Guru Trades with MFSF

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:HMPR, NAS:HBNC, NAS:TBK, NAS:HEOP, NAS:PFIS, NAS:WFBI » details
MutualFirst Financial Inc is a savings and loan holding Company, which through its subsidiary, MutualBank, attracts retail deposits from the general public and invests those funds in loans.

MutualFirst Financial Inc was incorporated in September 1999 in Maryland. It is the holding Company of its wholly-owned subsidiary MutualBank, a federal savings bank. MutualFirst Financial was formed in September 1999. Its business consists of attracting retail deposits from the general public, including some brokered deposits, and investing those funds mainly in loans secured by first mortgages on owner-occupied, one- to four-family residences, a variety of consumer loans, loans secured by commercial and multi-family real estate and commercial business loans. Funds not invested in loans generally are invested in investment securities, including mortgage-backed and mortgage-related securities. MutualWealth is the wealth management division of the bank providing a variety of fee-based financial services, including trust, investment, insurance, broker advisory, retirement plan and private banking services, in the Bank's market area. It is a community-oriented bank offering financial services to meet the needs of the communities. It offers financial services. It offers financial services through 30 full service retail financial center offices in Delaware, Elkhart, Grant, Kosciusko, Randolph, St. Joseph and Wabash counties. MutualBank also has trust offices in Carmel and Crawfordsville, Indiana and a loan origination office in New Buffalo, Michigan. The Bank generates mortgage, consumer and commercial loans and receives deposits from customers located mainly in north central Indiana. The Bank's loans are generally secured by specific items of collateral including real property, consumer assets and business assets. Mutual Federal Investment Company invests in various investment securities and loans through Mutual Federal REIT, Inc. It competes for deposits by offering superior service and a variety of account types at competitive rates. The Company is subject to regulation, supervision and regulation by the FRB, and the Bank is subject to regulation, supervision and examination by the Indiana Department of Financial Institutions (IDFI) and the Federal Deposit Insurance Corporation (FDIC).

Ratios

vs
industry
vs
history
P/E(ttm) 16.73
MFSF's P/E(ttm) is ranked lower than
70% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. MFSF: 16.73 )
Ranked among companies with meaningful P/E(ttm) only.
MFSF' s P/E(ttm) Range Over the Past 10 Years
Min: 7.41  Med: 16.37 Max: 63.76
Current: 16.73
7.41
63.76
Forward P/E 17.36
MFSF's Forward P/E is ranked lower than
94% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.51 vs. MFSF: 17.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.73
MFSF's PE(NRI) is ranked lower than
70% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. MFSF: 16.73 )
Ranked among companies with meaningful PE(NRI) only.
MFSF' s PE(NRI) Range Over the Past 10 Years
Min: 7.41  Med: 16.35 Max: 64.21
Current: 16.73
7.41
64.21
Price/Owner Earnings (ttm) 12.99
MFSF's Price/Owner Earnings (ttm) is ranked lower than
56% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. MFSF: 12.99 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MFSF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.17  Med: 10.97 Max: 27.42
Current: 12.99
2.17
27.42
P/B 1.42
MFSF's P/B is ranked lower than
75% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. MFSF: 1.42 )
Ranked among companies with meaningful P/B only.
MFSF' s P/B Range Over the Past 10 Years
Min: 0.22  Med: 0.79 Max: 1.46
Current: 1.42
0.22
1.46
P/S 3.38
MFSF's P/S is ranked lower than
60% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. MFSF: 3.38 )
Ranked among companies with meaningful P/S only.
MFSF' s P/S Range Over the Past 10 Years
Min: 0.49  Med: 1.91 Max: 6.16
Current: 3.38
0.49
6.16
PFCF 10.91
MFSF's PFCF is ranked lower than
55% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. MFSF: 10.91 )
Ranked among companies with meaningful PFCF only.
MFSF' s PFCF Range Over the Past 10 Years
Min: 1.58  Med: 7.64 Max: 59.73
Current: 10.91
1.58
59.73
POCF 9.37
MFSF's POCF is ranked lower than
55% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. MFSF: 9.37 )
Ranked among companies with meaningful POCF only.
MFSF' s POCF Range Over the Past 10 Years
Min: 1.52  Med: 6.05 Max: 28.34
Current: 9.37
1.52
28.34
EV-to-EBIT 24.13
MFSF's EV-to-EBIT is ranked lower than
80% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. MFSF: 24.13 )
Ranked among companies with meaningful EV-to-EBIT only.
MFSF' s EV-to-EBIT Range Over the Past 10 Years
Min: -9.4  Med: 24.45 Max: 90.5
Current: 24.13
-9.4
90.5
EV-to-EBITDA 18.80
MFSF's EV-to-EBITDA is ranked lower than
75% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. MFSF: 18.80 )
Ranked among companies with meaningful EV-to-EBITDA only.
MFSF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.7  Med: 17.30 Max: 50.8
Current: 18.8
-10.7
50.8
PEG 1.59
MFSF's PEG is ranked lower than
62% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MFSF: 1.59 )
Ranked among companies with meaningful PEG only.
MFSF' s PEG Range Over the Past 10 Years
Min: 0.75  Med: 0.91 Max: 1.22
Current: 1.59
0.75
1.22
Shiller P/E 51.15
MFSF's Shiller P/E is ranked lower than
93% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. MFSF: 51.15 )
Ranked among companies with meaningful Shiller P/E only.
MFSF' s Shiller P/E Range Over the Past 10 Years
Min: 5.87  Med: 19.80 Max: 51.89
Current: 51.15
5.87
51.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.86
MFSF's Dividend Yield is ranked lower than
74% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. MFSF: 1.86 )
Ranked among companies with meaningful Dividend Yield only.
MFSF' s Dividend Yield Range Over the Past 10 Years
Min: 1.23  Med: 2.62 Max: 14.78
Current: 1.86
1.23
14.78
Dividend Payout 0.31
MFSF's Dividend Payout is ranked higher than
55% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MFSF: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
MFSF' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.32 Max: 30
Current: 0.31
0.07
30
Dividend Growth (3y) 26.00
MFSF's Dividend Growth (3y) is ranked higher than
80% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. MFSF: 26.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MFSF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 6.50 Max: 26
Current: 26
0
26
Forward Dividend Yield 2.08
MFSF's Forward Dividend Yield is ranked lower than
74% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. MFSF: 2.08 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.46
MFSF's Yield on cost (5-Year) is ranked lower than
51% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. MFSF: 3.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MFSF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.29  Med: 4.87 Max: 27.47
Current: 3.46
2.29
27.47
3-Year Average Share Buyback Ratio -1.70
MFSF's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MFSF: -1.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MFSF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.2  Med: 0.00 Max: 0
Current: -1.7
-18.2
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
MFSF's Price/Tangible Book is ranked lower than
68% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MFSF: 1.44 )
Ranked among companies with meaningful Price/Tangible Book only.
MFSF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.27  Med: 1.02 Max: 1.41
Current: 1.44
0.27
1.41
Price/Projected FCF 0.66
MFSF's Price/Projected FCF is ranked lower than
51% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. MFSF: 0.66 )
Ranked among companies with meaningful Price/Projected FCF only.
MFSF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.37 Max: 0.63
Current: 0.66
0.17
0.63
Price/Median PS Value 1.77
MFSF's Price/Median PS Value is ranked lower than
93% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MFSF: 1.77 )
Ranked among companies with meaningful Price/Median PS Value only.
MFSF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.3  Med: 1.39 Max: 3.78
Current: 1.77
0.3
3.78
Price/Peter Lynch Fair Value 1.20
MFSF's Price/Peter Lynch Fair Value is ranked lower than
66% of the 441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. MFSF: 1.20 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MFSF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.73  Med: 1.46 Max: 2.63
Current: 1.2
0.73
2.63
Price/Graham Number 1.04
MFSF's Price/Graham Number is ranked lower than
68% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. MFSF: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
MFSF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.48  Med: 0.81 Max: 1.12
Current: 1.04
0.48
1.12
Earnings Yield (Greenblatt) (%) 4.10
MFSF's Earnings Yield (Greenblatt) (%) is ranked lower than
72% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. MFSF: 4.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MFSF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 3.70 Max: 7.4
Current: 4.1
1.1
7.4
Forward Rate of Return (Yacktman) (%) 23.70
MFSF's Forward Rate of Return (Yacktman) (%) is ranked higher than
73% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. MFSF: 23.70 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MFSF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.3  Med: 19.70 Max: 67.8
Current: 23.7
5.3
67.8

More Statistics

Revenue (TTM) (Mil) $60.34
EPS (TTM) $ 1.61
Beta0.17
Short Percentage of Float0.05%
52-Week Range $20.76 - 28.54
Shares Outstanding (Mil)7.47

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.52 1.55
EPS without NRI ($) 1.52 1.55
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for MFSF

Headlines

Articles On GuruFocus.com
MutualFirst Financial Inc. Reports Operating Results (10-K) Mar 16 2011 
MutualFirst Financial Inc. Reports Operating Results (10-Q) Nov 15 2010 
MutualFirst Financial Inc. Reports Operating Results (10-Q) Aug 13 2010 
MutualFirst Financial Inc. Reports Operating Results (10-Q) May 17 2010 
MutualFirst Financial Inc. Reports Operating Results (10-Q) Nov 13 2009 
MutualFirst Financial Inc. Reports Operating Results (10-Q) Aug 14 2009 

More From Other Websites
MUTUALFIRST FINANCIAL INC Financials May 19 2016
MUTUALFIRST FINANCIAL INC Files SEC form 10-Q, Quarterly Report May 10 2016
MutualFirst Financial Holds Annual Meeting May 06 2016
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 06 2016
MutualFirst Financial Holds Annual Meeting May 06 2016
MutualFirst Financial, Inc. Declares Cash Dividend May 06 2016
MutualFirst Financial, Inc. Declares Cash Dividend May 06 2016
MutualFirst Financial, Inc. :MFSF-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 27 2016
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition Apr 21 2016
MutualFirst Financial posts 1Q profit Apr 21 2016
MutualFirst Financial posts 1Q profit Apr 21 2016
MutualFirst Financial Announces First Quarter Earnings Apr 21 2016
MutualFirst Financial Announces First Quarter Earnings Apr 21 2016
Q1 2016 MutualFirst Financial Inc Earnings Release-Tentative - Time Not Supplied Apr 21 2016
MUTUALFIRST FINANCIAL INC Files SEC form 10-K, Annual Report Mar 15 2016
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Other Events Feb 19 2016
MutualFirst Financial, Inc. Announces Increased Cash Dividend And Stock Repurchase Program Feb 19 2016
MutualFirst Financial, Inc. Earnings Analysis: 2015 By the Numbers Feb 05 2016
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition Feb 03 2016
MutualFirst Financial posts 4Q profit Feb 03 2016

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