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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.11
MFSF's Cash-to-Debt is ranked lower than
93% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. MFSF: 0.11 )
Ranked among companies with meaningful Cash-to-Debt only.
MFSF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.18 Max: 9.38
Current: 0.11
0.09
9.38
Equity-to-Asset 0.09
MFSF's Equity-to-Asset is ranked lower than
59% of the 1496 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 1.91
MFSF's Interest Coverage is ranked higher than
55% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. MFSF: 1.91 )
Ranked among companies with meaningful Interest Coverage only.
MFSF' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.67 Max: 1.91
Current: 1.91
0.11
1.91
Beneish M-Score: -2.46
WACC vs ROIC
3.33%
3.74%
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 : 5/10

vs
industry
vs
history
Operating Margin % 27.55
MFSF's Operating Margin % is ranked lower than
59% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. MFSF: 27.55 )
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: 27.55
-76.34
28.01
Net Margin % 20.70
MFSF's Net Margin % is ranked lower than
55% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. MFSF: 20.70 )
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: 20.7
Current: 20.7
-55.16
20.7
ROE % 9.42
MFSF's ROE % is ranked higher than
61% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. MFSF: 9.42 )
Ranked among companies with meaningful ROE % only.
MFSF' s ROE % Range Over the Past 10 Years
Min: -20.35  Med: 4.56 Max: 9.56
Current: 9.42
-20.35
9.56
ROA % 0.87
MFSF's ROA % is ranked higher than
50% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. MFSF: 0.87 )
Ranked among companies with meaningful ROA % only.
MFSF' s ROA % Range Over the Past 10 Years
Min: -1.88  Med: 0.49 Max: 0.87
Current: 0.87
-1.88
0.87
3-Year Revenue Growth Rate 4.20
MFSF's 3-Year Revenue Growth Rate is ranked higher than
52% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. MFSF: 4.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MFSF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.05 Max: 130.8
Current: 4.2
0
130.8
3-Year EBITDA Growth Rate 4.20
MFSF's 3-Year EBITDA Growth Rate is ranked lower than
56% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. MFSF: 4.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MFSF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.2 Max: 26.6
Current: 4.2
0
26.6
3-Year EPS without NRI Growth Rate 16.30
MFSF's 3-Year EPS without NRI Growth Rate is ranked higher than
73% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. MFSF: 16.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MFSF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -0.65 Max: 95.3
Current: 16.3
0
95.3
GuruFocus has detected 4 Warning Signs with MutualFirst Financial Inc $MFSF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MFSF's 10-Y Financials

Financials (Next Earnings Date: 2017-04-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

MFSF Guru Trades in Q1 2016

Jim Simons 116,800 sh (+6.38%)
» More
Q2 2016

MFSF Guru Trades in Q2 2016

Jim Simons 136,900 sh (+17.21%)
» More
Q3 2016

MFSF Guru Trades in Q3 2016

Jim Simons 138,200 sh (+0.95%)
» More
Q4 2016

MFSF Guru Trades in Q4 2016

Jim Simons 156,180 sh (+13.01%)
» More
» Details

Insider Trades

Latest Guru Trades with MFSF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BCBP, OTCPK:BERK, NAS:BOCH, NAS:BKSC, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » 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
PE Ratio 17.62
MFSF's PE Ratio is ranked lower than
69% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. MFSF: 17.62 )
Ranked among companies with meaningful PE Ratio only.
MFSF' s PE Ratio Range Over the Past 10 Years
Min: 7.41  Med: 16.32 Max: 64.21
Current: 17.62
7.41
64.21
Forward PE Ratio 18.15
MFSF's Forward PE Ratio is ranked lower than
83% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. MFSF: 18.15 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.62
MFSF's PE Ratio without NRI is ranked lower than
65% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. MFSF: 17.62 )
Ranked among companies with meaningful PE Ratio without NRI only.
MFSF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.41  Med: 16.32 Max: 64.21
Current: 17.62
7.41
64.21
Price-to-Owner-Earnings 13.66
MFSF's Price-to-Owner-Earnings is ranked higher than
53% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. MFSF: 13.66 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MFSF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.17  Med: 10.06 Max: 26.02
Current: 13.66
2.17
26.02
PB Ratio 1.63
MFSF's PB Ratio is ranked lower than
75% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MFSF: 1.63 )
Ranked among companies with meaningful PB Ratio only.
MFSF' s PB Ratio Range Over the Past 10 Years
Min: 0.22  Med: 0.79 Max: 1.77
Current: 1.63
0.22
1.77
PS Ratio 3.70
MFSF's PS Ratio is ranked lower than
57% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. MFSF: 3.70 )
Ranked among companies with meaningful PS Ratio only.
MFSF' s PS Ratio Range Over the Past 10 Years
Min: 0.49  Med: 1.91 Max: 4.01
Current: 3.7
0.49
4.01
Price-to-Free-Cash-Flow 14.27
MFSF's Price-to-Free-Cash-Flow is ranked lower than
59% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. MFSF: 14.27 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MFSF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.58  Med: 6.58 Max: 59.73
Current: 14.27
1.58
59.73
Price-to-Operating-Cash-Flow 12.69
MFSF's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. MFSF: 12.69 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MFSF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.52  Med: 6.05 Max: 28.34
Current: 12.69
1.52
28.34
EV-to-EBIT 25.32
MFSF's EV-to-EBIT is ranked lower than
83% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. MFSF: 25.32 )
Ranked among companies with meaningful EV-to-EBIT only.
MFSF' s EV-to-EBIT Range Over the Past 10 Years
Min: -9.4  Med: 24.25 Max: 90.5
Current: 25.32
-9.4
90.5
EV-to-EBITDA 19.71
MFSF's EV-to-EBITDA is ranked lower than
79% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. MFSF: 19.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
MFSF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.7  Med: 17.3 Max: 50.8
Current: 19.71
-10.7
50.8
PEG Ratio 1.36
MFSF's PEG Ratio is ranked higher than
52% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. MFSF: 1.36 )
Ranked among companies with meaningful PEG Ratio only.
MFSF' s PEG Ratio Range Over the Past 10 Years
Min: 0.75  Med: 1.08 Max: 1.76
Current: 1.36
0.75
1.76
Shiller PE Ratio 68.31
MFSF's Shiller PE Ratio is ranked lower than
95% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. MFSF: 68.31 )
Ranked among companies with meaningful Shiller PE Ratio only.
MFSF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.65  Med: 33.4 Max: 73.8
Current: 68.31
6.65
73.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.92
MFSF's Dividend Yield % is ranked lower than
68% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. MFSF: 1.92 )
Ranked among companies with meaningful Dividend Yield % only.
MFSF' s Dividend Yield % Range Over the Past 10 Years
Min: 1.23  Med: 2.6 Max: 14.78
Current: 1.92
1.23
14.78
Dividend Payout Ratio 0.33
MFSF's Dividend Payout Ratio is ranked higher than
50% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MFSF: 0.33 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MFSF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.33 Max: 2.1
Current: 0.33
0.21
2.1
3-Year Dividend Growth Rate 34.20
MFSF's 3-Year Dividend Growth Rate is ranked higher than
88% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. MFSF: 34.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MFSF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.5 Max: 34.2
Current: 34.2
0
34.2
Forward Dividend Yield % 1.93
MFSF's Forward Dividend Yield % is ranked lower than
72% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. MFSF: 1.93 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.06
MFSF's 5-Year Yield-on-Cost % is ranked higher than
71% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. MFSF: 5.06 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MFSF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.24  Med: 6.86 Max: 38.97
Current: 5.06
3.24
38.97
3-Year Average Share Buyback Ratio -0.90
MFSF's 3-Year Average Share Buyback Ratio is ranked higher than
57% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. MFSF: -0.90 )
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: -0.2 Max: 0
Current: -0.9
-18.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.65
MFSF's Price-to-Tangible-Book is ranked lower than
68% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. MFSF: 1.65 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MFSF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.34  Med: 1.03 Max: 1.75
Current: 1.65
0.34
1.75
Price-to-Intrinsic-Value-Projected-FCF 0.69
MFSF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
62% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MFSF: 0.69 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MFSF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.38 Max: 0.74
Current: 0.69
0.16
0.74
Price-to-Median-PS-Value 1.93
MFSF's Price-to-Median-PS-Value is ranked lower than
91% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. MFSF: 1.93 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MFSF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.4  Med: 1.48 Max: 3.76
Current: 1.93
0.4
3.76
Price-to-Peter-Lynch-Fair-Value 1.62
MFSF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
65% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. MFSF: 1.62 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
MFSF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.78  Med: 1.45 Max: 1.78
Current: 1.62
0.78
1.78
Price-to-Graham-Number 1.14
MFSF's Price-to-Graham-Number is ranked lower than
67% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. MFSF: 1.14 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MFSF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.55  Med: 0.84 Max: 1.21
Current: 1.14
0.55
1.21
Earnings Yield (Greenblatt) % 3.95
MFSF's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. MFSF: 3.95 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MFSF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.1  Med: 4 Max: 7.4
Current: 3.95
1.1
7.4
Forward Rate of Return (Yacktman) % 19.89
MFSF's Forward Rate of Return (Yacktman) % is ranked higher than
71% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. MFSF: 19.89 )
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: 7.2  Med: 20.3 Max: 67.8
Current: 19.89
7.2
67.8

More Statistics

Revenue (TTM) (Mil) $63.98
EPS (TTM) $ 1.77
Beta0.19
Short Percentage of Float0.40%
52-Week Range $24.55 - 36.75
Shares Outstanding (Mil)7.34

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 67 69
EPS ($) 1.72 1.78
EPS without NRI ($) 1.72 1.78
EPS Growth Rate
(Future 3Y To 5Y Estimate)
5.00%
Dividends per Share ($) 0.64 0.68
» More Articles for NAS: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 Mar 22 2017
MutualFirst Financial, Inc. :MFSF-US: Earnings Analysis: Q4, 2016 By the Numbers : March 20, 2017 Mar 20 2017
MUTUALFIRST FINANCIAL INC Files SEC form 10-K, Annual Report Mar 16 2017
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Other Events Feb 16 2017
MutualFirst Financial, Inc. DECLARES CASH DIVIDEND Feb 16 2017
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 15 2017
MutualFirst Financial, Inc. :MFSF-US: Earnings Analysis: 2016 By the Numbers : February 2, 2017 Feb 02 2017
MutualFirst Financial posts 4Q profit Feb 01 2017
MutualFirst Financial posts 4Q profit Feb 01 2017
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition Feb 01 2017
MutualFirst Financial Announces Record Earnings in 2016 Feb 01 2017
MutualFirst Financial, Inc. : MFSF-US: Dividend Analysis : December 09th, 2016 (record date) : By... Jan 30 2017
Will Mutualfirst (MFSF) Continue to Surge Higher? Dec 20 2016
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Other Events Nov 23 2016
MutualFirst Financial, Inc. Declares A 14% Increase In Cash Dividend Nov 18 2016
MUTUALFIRST FINANCIAL INC Files SEC form 8-K, Other Events Nov 18 2016
MutualFirst Financial, Inc. Declares A 14% Increase In Cash Dividend Nov 18 2016
Why Mutualfirst Financial (MFSF) Stock Might be a Great Pick Nov 18 2016
MUTUALFIRST FINANCIAL INC Files SEC form 10-Q, Quarterly Report Nov 09 2016
MutualFirst Financial, Inc. :MFSF-US: Earnings Analysis: Q3, 2016 By the Numbers : October 26, 2016 Oct 26 2016

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