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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 0.09
MFSF's Cash to Debt is ranked lower than
93% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. MFSF: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
MFSF' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.19 Max: N/A
Current: 0.09
Equity to Asset 0.09
MFSF's Equity to Asset is ranked lower than
59% of the 1323 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.18
Current: 0.09
0.08
0.18
Interest Coverage 1.61
MFSF's Interest Coverage is ranked lower than
51% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. MFSF: 1.61 )
Ranked among companies with meaningful Interest Coverage only.
MFSF' s 10-Year Interest Coverage Range
Min: 0.11  Med: 0.42 Max: 1.61
Current: 1.61
0.11
1.61
F-Score: 4
WACC vs ROIC
2.97%
3.98%
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 (%) 26.30
MFSF's Operating margin (%) is ranked lower than
59% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. MFSF: 26.30 )
Ranked among companies with meaningful Operating margin (%) only.
MFSF' s 10-Year Operating margin (%) Range
Min: -382.75  Med: 17.60 Max: 40.35
Current: 26.3
-382.75
40.35
Net-margin (%) 19.59
MFSF's Net-margin (%) is ranked lower than
57% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. MFSF: 19.59 )
Ranked among companies with meaningful Net-margin (%) only.
MFSF' s 10-Year Net-margin (%) Range
Min: -55.16  Med: 17.04 Max: 88.2
Current: 19.59
-55.16
88.2
ROE (%) 9.21
MFSF's ROE (%) is ranked higher than
58% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. MFSF: 9.21 )
Ranked among companies with meaningful ROE (%) only.
MFSF' s 10-Year ROE (%) Range
Min: -20.35  Med: 4.85 Max: 9.05
Current: 9.21
-20.35
9.05
ROA (%) 0.80
MFSF's ROA (%) is ranked lower than
52% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MFSF: 0.80 )
Ranked among companies with meaningful ROA (%) only.
MFSF' s 10-Year ROA (%) Range
Min: -1.88  Med: 0.58 Max: 1.1
Current: 0.8
-1.88
1.1
ROC (Joel Greenblatt) (%) 49.02
MFSF's ROC (Joel Greenblatt) (%) is ranked lower than
64% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. MFSF: 49.02 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MFSF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -324.19  Med: 24.79 Max: 132.76
Current: 49.02
-324.19
132.76
Revenue Growth (3Y)(%) -2.30
MFSF's Revenue Growth (3Y)(%) is ranked lower than
71% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. MFSF: -2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MFSF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 0.65 Max: 6.2
Current: -2.3
0
6.2
EBITDA Growth (3Y)(%) 20.50
MFSF's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MFSF: 20.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MFSF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -7.60 Max: 26.5
Current: 20.5
0
26.5
EPS Growth (3Y)(%) 94.00
MFSF's EPS Growth (3Y)(%) is ranked higher than
97% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. MFSF: 94.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MFSF' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -2.75 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

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
Q1 2015

MFSF Guru Trades in Q1 2015

Jim Simons 109,400 sh (+2.82%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 15.57
MFSF's P/E(ttm) is ranked lower than
61% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. MFSF: 15.57 )
Ranked among companies with meaningful P/E(ttm) only.
MFSF' s 10-Year P/E(ttm) Range
Min: 7.41  Med: 17.13 Max: 63.76
Current: 15.57
7.41
63.76
Forward P/E 15.95
MFSF's Forward P/E is ranked lower than
86% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. MFSF: 15.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.80
MFSF's PE(NRI) is ranked lower than
61% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. MFSF: 15.80 )
Ranked among companies with meaningful PE(NRI) only.
MFSF' s 10-Year PE(NRI) Range
Min: 7.41  Med: 17.10 Max: 64.21
Current: 15.8
7.41
64.21
P/B 1.33
MFSF's P/B is ranked lower than
69% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MFSF: 1.33 )
Ranked among companies with meaningful P/B only.
MFSF' s 10-Year P/B Range
Min: 0.22  Med: 0.78 Max: 1.41
Current: 1.33
0.22
1.41
P/S 3.06
MFSF's P/S is ranked lower than
52% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. MFSF: 3.06 )
Ranked among companies with meaningful P/S only.
MFSF' s 10-Year P/S Range
Min: 0.52  Med: 1.90 Max: 7.31
Current: 3.06
0.52
7.31
PFCF 27.99
MFSF's PFCF is ranked lower than
84% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. MFSF: 27.99 )
Ranked among companies with meaningful PFCF only.
MFSF' s 10-Year PFCF Range
Min: 1.56  Med: 5.80 Max: 29.36
Current: 27.99
1.56
29.36
POCF 23.07
MFSF's POCF is ranked lower than
86% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. MFSF: 23.07 )
Ranked among companies with meaningful POCF only.
MFSF' s 10-Year POCF Range
Min: 1.51  Med: 5.14 Max: 469.1
Current: 23.07
1.51
469.1
EV-to-EBIT 23.28
MFSF's EV-to-EBIT is ranked lower than
76% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. MFSF: 23.28 )
Ranked among companies with meaningful EV-to-EBIT only.
MFSF' s 10-Year EV-to-EBIT Range
Min: -9.5  Med: 28.10 Max: 90.5
Current: 23.28
-9.5
90.5
PEG 1.02
MFSF's PEG is ranked higher than
53% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. MFSF: 1.02 )
Ranked among companies with meaningful PEG only.
MFSF' s 10-Year PEG Range
Min: 0.83  Med: 0.90 Max: 1.07
Current: 1.02
0.83
1.07
Shiller P/E 30.11
MFSF's Shiller P/E is ranked lower than
82% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. MFSF: 30.11 )
Ranked among companies with meaningful Shiller P/E only.
MFSF' s 10-Year Shiller P/E Range
Min: 4.13  Med: 13.63 Max: 231.25
Current: 30.11
4.13
231.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.77
MFSF's Dividend Yield is ranked lower than
70% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. MFSF: 1.77 )
Ranked among companies with meaningful Dividend Yield only.
MFSF' s 10-Year Dividend Yield Range
Min: 1.23  Med: 2.63 Max: 14.79
Current: 1.77
1.23
14.79
Dividend Payout 0.25
MFSF's Dividend Payout is ranked higher than
66% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MFSF: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
MFSF' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.32 Max: 30
Current: 0.25
0.07
30
Dividend growth (3y) 10.10
MFSF's Dividend growth (3y) is ranked higher than
59% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. MFSF: 10.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
MFSF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 3.25 Max: 26
Current: 10.1
0
26
Yield on cost (5-Year) 1.46
MFSF's Yield on cost (5-Year) is ranked lower than
78% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. MFSF: 1.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MFSF' s 10-Year Yield on cost (5-Year) Range
Min: 1.01  Med: 2.17 Max: 12.19
Current: 1.46
1.01
12.19
Share Buyback Rate -1.90
MFSF's Share Buyback Rate is ranked higher than
50% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MFSF: -1.90 )
Ranked among companies with meaningful Share Buyback Rate only.
MFSF' s 10-Year Share Buyback Rate Range
Min: 0  Med: -1.35 Max: -18.5
Current: -1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
MFSF's Price/Tangible Book is ranked lower than
62% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MFSF: 1.37 )
Ranked among companies with meaningful Price/Tangible Book only.
MFSF' s 10-Year Price/Tangible Book Range
Min: 0.27  Med: 0.94 Max: 1.41
Current: 1.37
0.27
1.41
Price/Projected FCF 0.63
MFSF's Price/Projected FCF is ranked higher than
57% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. MFSF: 0.63 )
Ranked among companies with meaningful Price/Projected FCF only.
MFSF' s 10-Year Price/Projected FCF Range
Min: 0.15  Med: 0.32 Max: 0.62
Current: 0.63
0.15
0.62
Price/Median PS Value 1.61
MFSF's Price/Median PS Value is ranked lower than
89% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MFSF: 1.61 )
Ranked among companies with meaningful Price/Median PS Value only.
MFSF' s 10-Year Price/Median PS Value Range
Min: 0.28  Med: 0.95 Max: 3.78
Current: 1.61
0.28
3.78
Price/Peter Lynch Fair Value 1.02
MFSF's Price/Peter Lynch Fair Value is ranked lower than
55% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. MFSF: 1.02 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MFSF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.73  Med: 1.59 Max: 1.78
Current: 1.02
0.73
1.78
Price/Graham Number 0.97
MFSF's Price/Graham Number is ranked lower than
61% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MFSF: 0.97 )
Ranked among companies with meaningful Price/Graham Number only.
MFSF' s 10-Year Price/Graham Number Range
Min: 0.43  Med: 0.81 Max: 1.14
Current: 0.97
0.43
1.14
Earnings Yield (Greenblatt) (%) 4.32
MFSF's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MFSF: 4.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MFSF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.1  Med: 3.40 Max: 7.3
Current: 4.32
1.1
7.3
Forward Rate of Return (Yacktman) (%) 26.24
MFSF's Forward Rate of Return (Yacktman) (%) is ranked higher than
72% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. MFSF: 26.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MFSF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -13.9  Med: 19.40 Max: 67.8
Current: 26.24
-13.9
67.8

Business Description

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

Headlines

Articles On GuruFocus.com
Lots of insider buyi Mar 10 2012 
@@ insiders Oct 09 2011 
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 
MutualFirst Announces 2008 Earnings Feb 11 2009 

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