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14 (1y: +34%)
Market Cap 103.7 M P/E(ttm) 15.70
Enterprise Value 197.82 M P/B 0.70
MFSF- NAS (USA)
MutualFirst Financial Inc
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$14.00
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 7/10

vs
industry		 vs
history
Cash to Debt No Debt
MFSF's Cash to Debt is ranked higher than
88% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. MFSF: No Debt )
MFSF' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: No Debt
Equity to Asset 0.098
MFSF's Equity to Asset is ranked higher than
66% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MFSF: 0.098 )
MFSF' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.18
Current: 0.1
0.09
0.18
Interest Coverage No Debt
MFSF's Interest Coverage is ranked lower than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. MFSF: No Debt )
MFSF' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.25
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 17.60
MFSF's Operating margin (%) is ranked higher than
62% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. MFSF: 17.60 )
MFSF' s 10-Year Operating margin (%) Range
Min: -76.3   Max: 40.3
Current: 17.6
-76.3
40.3
Net-margin (%) 12.9
MFSF's Net-margin (%) is ranked higher than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. MFSF: 12.9 )
MFSF' s 10-Year Net-margin (%) Range
Min: -55.2   Max: 26.9
Current: 12.9
-55.2
26.9
ROE (%) 5.2
MFSF's ROE (%) is ranked higher than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. MFSF: 5.2 )
MFSF' s 10-Year ROE (%) Range
Min: -16.9   Max: 8.8
Current: 5.2
-16.9
8.8
ROA (%) 0.5
MFSF's ROA (%) is ranked higher than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. MFSF: 0.5 )
MFSF' s 10-Year ROA (%) Range
Min: -1.6   Max: 1.1
Current: 0.5
-1.6
1.1
EBITDA Growth (%) 17.5
MFSF's EBITDA Growth (%) is ranked higher than
91% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 17.5 )
MFSF' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 17.5
Current: 17.5
0
17.5
EPS Growth (%) 42.3
MFSF's EPS Growth (%) is ranked higher than
97% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 42.3 )
MFSF' s 10-Year EPS Growth (%) Range
Min: 0   Max: 42.3
Current: 42.3
0
42.3
ยป MFSF's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

MFSF Guru Trades in Q2 2012

Jim Simons 51,300 sh (+5.56%)
» More
Q3 2012

MFSF Guru Trades in Q3 2012

Jim Simons 53,300 sh (+3.9%)
» More
Q4 2012

MFSF Guru Trades in Q4 2012

Jim Simons 53,700 sh (+0.75%)
» More
Q1 2013

MFSF Guru Trades in Q1 2013

Jim Simons 56,800 sh (+5.77%)
» More
» Details

Insider Trades

Latest Guru Trades with MFSF



No Insider Trades Found!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 15.70
MFSF's P/E(ttm) is ranked higher than
51% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. MFSF: 15.70 )
MFSF' s 10-Year P/E(ttm) Range
Min: 7.41   Max: 64.21
Current: 15.7
7.41
64.21
P/B 0.70
MFSF's P/B is ranked higher than
79% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. MFSF: 0.70 )
MFSF' s 10-Year P/B Range
Min: 0.06   Max: 1.49
Current: 0.7
0.06
1.49
P/S 1.70
MFSF's P/S is ranked higher than
75% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. MFSF: 1.70 )
MFSF' s 10-Year P/S Range
Min: 0.52   Max: 4.01
Current: 1.7
0.52
4.01
PFCF 5.60
MFSF's PFCF is ranked higher than
66% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. MFSF: 5.60 )
MFSF' s 10-Year PFCF Range
Min: 1.56   Max: 25.26
Current: 5.6
1.56
25.26
EV-to-EBIT 17.5
MFSF's EV-to-EBIT is ranked higher than
56% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. MFSF: 17.5 )
MFSF' s 10-Year EV-to-EBIT Range
Min: 4.9   Max: 90.5
Current: 17.5
4.9
90.5
Shiller P/E 152.5
MFSF's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. MFSF: 152.5 )
MFSF' s 10-Year Shiller P/E Range
Min: 4.69   Max: 173.8
Current: 152.5
4.69
173.8

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.70
MFSF's Dividend Yield is ranked higher than
50% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MFSF: 1.70 )
MFSF' s 10-Year Dividend Yield Range
Min: 1.4   Max: 14.79
Current: 1.7
1.4
14.79
Dividend Payout 0.2686
MFSF's Dividend Payout is ranked higher than
72% of the 951 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. MFSF: 0.2686 )
MFSF' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.91
Current: 0.27
0.14
0.91
Dividend growth (3y) -13.1
MFSF's Dividend growth (3y) is ranked lower than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: -13.1 )
MFSF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 18.9
Current: -13.1
0
18.9
Yield on cost (5-Year) 0.45
MFSF's Yield on cost (5-Year) is ranked lower than
58% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. MFSF: 0.45 )
MFSF' s 10-Year Yield on cost (5-Year) Range
Min: 0.4   Max: 4.19
Current: 0.45
0.4
4.19
Share Buyback Rate -0.8
MFSF's Share Buyback Rate is ranked higher than
57% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.20 vs. MFSF: -0.8 )
MFSF' s 10-Year Share Buyback Rate Range
Min: 0   Max: -13.6
Current: -0.8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
MFSF's Price/Tangible Book is ranked higher than
82% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MFSF: 0.7 )
MFSF' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 1.3
Current: 0.7
0.3
1.3
Price/DCF (Projected) 0.4
MFSF's Price/DCF (Projected) is ranked higher than
83% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. MFSF: 0.4 )
MFSF' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.4
Current: 0.4
0.2
0.4
Price/Median PS Value 1.3
MFSF's Price/Median PS Value is ranked lower than
61% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MFSF: 1.3 )
MFSF' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 2.8
Current: 1.3
0.5
2.8
Price/Graham Number 0.7
MFSF's Price/Graham Number is ranked higher than
77% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MFSF: 0.7 )
MFSF' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.1
Current: 0.7
0.4
1.1
Earnings Yield (Greenblatt) 5.70
MFSF's Earnings Yield (Greenblatt) is ranked higher than
71% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. MFSF: 5.70 )
MFSF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 20.5
Current: 5.7
1.1
20.5
Forward Rate of Return (Yacktman) 13.05
MFSF's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MFSF: 13.05 )
MFSF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.5   Max: 57.2
Current: 13.05
-9.5
57.2

Business Description

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 to become the holding company of MutualBank in connection with MutualBank's conversion from the mutual to stock form of organization on December 29, 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. As of December 31, 2009, MutualWealth managed assets of approximately $313.3 million. Its operations and profitability are subject to changes in interest rates, applicable statutes and regulations, and general economic conditions, as well as other factors beyond its control. It is a community-oriented financial institution offering a variety of financial services to meet the needs of the communities. The Company is a thrift holding company whose principal activity is the ownership of the Bank. The Bank operates under a federal thrift charter and provides full banking services. 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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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