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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 0.15
MFSF's Cash to Debt is ranked higher than
50% of the 1731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. MFSF: 0.15 )
MFSF' s 10-Year Cash to Debt Range
Min: 0.12   Max: 9.38
Current: 0.15

0.12
9.38
Equity to Asset 0.09
MFSF's Equity to Asset is ranked higher than
66% of the 2241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MFSF: 0.09 )
MFSF' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.18
Current: 0.09

0.08
0.18
Interest Coverage 1.61
MFSF's Interest Coverage is ranked higher than
71% of the 2150 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. MFSF: 1.61 )
MFSF' s 10-Year Interest Coverage Range
Min: 0.11   Max: 1.61
Current: 1.61

0.11
1.61
F-Score: 5
Z-Score: 0.22
WACC vs ROIC
4.11%
4.00%
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 (%) 25.43
MFSF's Operating margin (%) is ranked higher than
67% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. MFSF: 25.43 )
MFSF' s 10-Year Operating margin (%) Range
Min: -382.75   Max: 40.35
Current: 25.43

-382.75
40.35
Net-margin (%) 19.10
MFSF's Net-margin (%) is ranked higher than
68% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.22 vs. MFSF: 19.10 )
MFSF' s 10-Year Net-margin (%) Range
Min: -55.16   Max: 88.2
Current: 19.1

-55.16
88.2
ROE (%) 9.07
MFSF's ROE (%) is ranked higher than
75% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. MFSF: 9.07 )
MFSF' s 10-Year ROE (%) Range
Min: -20.32   Max: 9.05
Current: 9.07

-20.32
9.05
ROA (%) 0.77
MFSF's ROA (%) is ranked higher than
70% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. MFSF: 0.77 )
MFSF' s 10-Year ROA (%) Range
Min: -1.88   Max: 1.1
Current: 0.77

-1.88
1.1
ROC (Joel Greenblatt) (%) 46.25
MFSF's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.86 vs. MFSF: 46.25 )
MFSF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -324.19   Max: 132.76
Current: 46.25

-324.19
132.76
Revenue Growth (3Y)(%) -2.30
MFSF's Revenue Growth (3Y)(%) is ranked higher than
62% of the 2002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. MFSF: -2.30 )
MFSF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 6.2
Current: -2.3

0
6.2
EBITDA Growth (3Y)(%) 20.50
MFSF's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1812 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. MFSF: 20.50 )
MFSF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 26.5
Current: 20.5

0
26.5
EPS Growth (3Y)(%) 94.00
MFSF's EPS Growth (3Y)(%) is ranked higher than
98% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. MFSF: 94.00 )
MFSF' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 94
Current: 94

0
94
» MFSF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

MFSF Guru Trades in Q1 2014

Jim Simons 79,900 sh (+6.25%)
» More
Q2 2014

MFSF Guru Trades in Q2 2014

Jim Simons 83,400 sh (+4.38%)
» More
Q3 2014

MFSF Guru Trades in Q3 2014

Jim Simons 100,100 sh (+20.02%)
» More
Q4 2014

MFSF Guru Trades in Q4 2014

Jim Simons 106,400 sh (+6.29%)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.20
MFSF's P/E(ttm) is ranked higher than
74% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. MFSF: 15.20 )
MFSF' s 10-Year P/E(ttm) Range
Min: 7.41   Max: 63.76
Current: 15.2

7.41
63.76
Forward P/E 15.31
MFSF's Forward P/E is ranked higher than
68% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 15.31 )
N/A
PE(NRI) 15.70
MFSF's PE(NRI) is ranked higher than
77% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. MFSF: 15.70 )
MFSF' s 10-Year PE(NRI) Range
Min: 7.41   Max: 64.21
Current: 15.7

7.41
64.21
P/B 1.30
MFSF's P/B is ranked higher than
70% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. MFSF: 1.30 )
MFSF' s 10-Year P/B Range
Min: 0.22   Max: 1.36
Current: 1.3

0.22
1.36
P/S 2.94
MFSF's P/S is ranked higher than
68% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.81 vs. MFSF: 2.94 )
MFSF' s 10-Year P/S Range
Min: 0.52   Max: 7.31
Current: 2.94

0.52
7.31
PFCF 15.30
MFSF's PFCF is ranked higher than
77% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 15.30 )
MFSF' s 10-Year PFCF Range
Min: 1.56   Max: 16.44
Current: 15.3

1.56
16.44
POCF 14.14
MFSF's POCF is ranked higher than
78% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 191.45 vs. MFSF: 14.14 )
MFSF' s 10-Year POCF Range
Min: 1.51   Max: 469.1
Current: 14.14

1.51
469.1
EV-to-EBIT 23.69
MFSF's EV-to-EBIT is ranked higher than
68% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.44 vs. MFSF: 23.69 )
MFSF' s 10-Year EV-to-EBIT Range
Min: -9.5   Max: 90.5
Current: 23.69

-9.5
90.5
PEG 1.01
MFSF's PEG is ranked higher than
93% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 1.01 )
MFSF' s 10-Year PEG Range
Min: 0.83   Max: 0.95
Current: 1.01

0.83
0.95
Shiller P/E 29.50
MFSF's Shiller P/E is ranked higher than
75% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 29.50 )
MFSF' s 10-Year Shiller P/E Range
Min: 4.15   Max: 231.25
Current: 29.5

4.15
231.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.69
MFSF's Dividend Yield is ranked lower than
66% of the 2205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. MFSF: 1.69 )
MFSF' s 10-Year Dividend Yield Range
Min: 1.23   Max: 14.79
Current: 1.69

1.23
14.79
Dividend Payout 0.22
MFSF's Dividend Payout is ranked higher than
87% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. MFSF: 0.22 )
MFSF' s 10-Year Dividend Payout Range
Min: 0.19   Max: 2.1
Current: 0.22

0.19
2.1
Dividend growth (3y) 10.10
MFSF's Dividend growth (3y) is ranked higher than
81% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. MFSF: 10.10 )
MFSF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 26
Current: 10.1

0
26
Yield on cost (5-Year) 1.40
MFSF's Yield on cost (5-Year) is ranked lower than
73% of the 2213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. MFSF: 1.40 )
MFSF' s 10-Year Yield on cost (5-Year) Range
Min: 1.01   Max: 12.19
Current: 1.4

1.01
12.19
Share Buyback Rate -1.90
MFSF's Share Buyback Rate is ranked higher than
71% of the 1656 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. MFSF: -1.90 )
MFSF' s 10-Year Share Buyback Rate Range
Min: 0   Max: -18.5
Current: -1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
MFSF's Price/Tangible Book is ranked higher than
75% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. MFSF: 1.30 )
MFSF' s 10-Year Price/Tangible Book Range
Min: 0.27   Max: 1.41
Current: 1.3

0.27
1.41
Price/DCF (Projected) 0.60
MFSF's Price/DCF (Projected) is ranked higher than
90% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 0.60 )
MFSF' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 0.61
Current: 0.6

0.17
0.61
Price/Median PS Value 1.50
MFSF's Price/Median PS Value is ranked higher than
63% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MFSF: 1.50 )
MFSF' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 3.78
Current: 1.5

0.28
3.78
Price/Peter Lynch Fair Value 0.90
MFSF's Price/Peter Lynch Fair Value is ranked higher than
95% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 0.90 )
MFSF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.86   Max: 1.78
Current: 0.9

0.86
1.78
Price/Graham Number 0.90
MFSF's Price/Graham Number is ranked higher than
80% of the 3168 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MFSF: 0.90 )
MFSF' s 10-Year Price/Graham Number Range
Min: 0.44   Max: 1.11
Current: 0.9

0.44
1.11
Earnings Yield (Greenblatt) 4.30
MFSF's Earnings Yield (Greenblatt) is ranked higher than
56% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MFSF: 4.30 )
MFSF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 7.3
Current: 4.3

1.1
7.3
Forward Rate of Return (Yacktman) 29.34
MFSF's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.27 vs. MFSF: 29.34 )
MFSF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -13.9   Max: 67.8
Current: 29.34

-13.9
67.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
MutualFirst Financial Inc was incorporated 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).
» More Articles for MFSF

Headlines

Articles On GuruFocus.com
Lots of insider buyi Mar 10 2012 
@@ insiders Oct 10 2011 
MutualFirst Financial Inc. Reports Operating Results (10-K) Mar 16 2011 
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MutualFirst Financial Inc. Reports Operating Results (10-Q) May 17 2010 
MutualFirst Financial Inc. Reports Operating Results (10-Q) Nov 14 2009 
MutualFirst Financial Inc. Reports Operating Results (10-Q) Aug 14 2009 
MutualFirst Announces 2008 Earnings Feb 12 2009 

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