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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 0.35
MOFG's Cash to Debt is ranked lower than
75% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MOFG: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
MOFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.21 Max: 3.39
Current: 0.35
0.11
3.39
Equity to Asset 0.10
MOFG's Equity to Asset is ranked lower than
54% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MOFG: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
MOFG' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.15
Current: 0.1
0.08
0.15
Interest Coverage 3.09
MOFG's Interest Coverage is ranked higher than
67% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. MOFG: 3.09 )
Ranked among companies with meaningful Interest Coverage only.
MOFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 0.60 Max: 2.68
Current: 3.09
0.15
2.68
F-Score: 6
WACC vs ROIC
8.59%
7.74%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 29.61
MOFG's Operating margin (%) is ranked lower than
54% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. MOFG: 29.61 )
Ranked among companies with meaningful Operating margin (%) only.
MOFG' s Operating margin (%) Range Over the Past 10 Years
Min: -55.15  Med: 29.99 Max: 36.76
Current: 29.61
-55.15
36.76
Net-margin (%) 22.58
MOFG's Net-margin (%) is ranked higher than
51% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. MOFG: 22.58 )
Ranked among companies with meaningful Net-margin (%) only.
MOFG' s Net-margin (%) Range Over the Past 10 Years
Min: -54.16  Med: 21.58 Max: 27.09
Current: 22.58
-54.16
27.09
ROE (%) 10.01
MOFG's ROE (%) is ranked higher than
65% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. MOFG: 10.01 )
Ranked among companies with meaningful ROE (%) only.
MOFG' s ROE (%) Range Over the Past 10 Years
Min: -23.65  Med: 9.55 Max: 10.57
Current: 10.01
-23.65
10.57
ROA (%) 1.01
MOFG's ROA (%) is ranked higher than
62% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MOFG: 1.01 )
Ranked among companies with meaningful ROA (%) only.
MOFG' s ROA (%) Range Over the Past 10 Years
Min: -2.22  Med: 0.87 Max: 1.05
Current: 1.01
-2.22
1.05
Revenue Growth (3Y)(%) 4.20
MOFG's Revenue Growth (3Y)(%) is ranked higher than
59% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. MOFG: 4.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MOFG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -0.35 Max: 18.8
Current: 4.2
0
18.8
EBITDA Growth (3Y)(%) 9.50
MOFG's EBITDA Growth (3Y)(%) is ranked higher than
60% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MOFG: 9.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MOFG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 3.70 Max: 39.3
Current: 9.5
0
39.3
EPS Growth (3Y)(%) 14.40
MOFG's EPS Growth (3Y)(%) is ranked higher than
66% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. MOFG: 14.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MOFG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -37.3  Med: 13.80 Max: 66.2
Current: 14.4
-37.3
66.2
» MOFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

MOFG Guru Trades in Q1 2015

Jim Simons 62,429 sh (+25.86%)
» More
Q2 2015

MOFG Guru Trades in Q2 2015

Jim Simons 75,005 sh (+20.14%)
» More
Q3 2015

MOFG Guru Trades in Q3 2015

Jim Simons 97,600 sh (+30.12%)
» More
Q4 2015

MOFG Guru Trades in Q4 2015

Jim Simons 100,000 sh (+2.46%)
» More
» Details

Insider Trades

Latest Guru Trades with MOFG

(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) 12.48
MOFG's P/E(ttm) is ranked lower than
56% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. MOFG: 12.48 )
Ranked among companies with meaningful P/E(ttm) only.
MOFG' s P/E(ttm) Range Over the Past 10 Years
Min: 8.95  Med: 12.17 Max: 32.78
Current: 12.48
8.95
32.78
Forward P/E 9.22
MOFG's Forward P/E is ranked higher than
50% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. MOFG: 9.22 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.27
MOFG's PE(NRI) is ranked higher than
50% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. MOFG: 12.27 )
Ranked among companies with meaningful PE(NRI) only.
MOFG' s PE(NRI) Range Over the Past 10 Years
Min: 8.95  Med: 12.17 Max: 32.78
Current: 12.27
8.95
32.78
P/B 1.01
MOFG's P/B is ranked lower than
54% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MOFG: 1.01 )
Ranked among companies with meaningful P/B only.
MOFG' s P/B Range Over the Past 10 Years
Min: 0.44  Med: 1.06 Max: 1.38
Current: 1.01
0.44
1.38
P/S 2.67
MOFG's P/S is ranked lower than
54% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. MOFG: 2.67 )
Ranked among companies with meaningful P/S only.
MOFG' s P/S Range Over the Past 10 Years
Min: 1.13  Med: 2.55 Max: 4.03
Current: 2.67
1.13
4.03
PFCF 21.32
MOFG's PFCF is ranked lower than
86% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. MOFG: 21.32 )
Ranked among companies with meaningful PFCF only.
MOFG' s PFCF Range Over the Past 10 Years
Min: 5.1  Med: 10.96 Max: 36.76
Current: 21.32
5.1
36.76
POCF 9.34
MOFG's POCF is ranked lower than
63% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. MOFG: 9.34 )
Ranked among companies with meaningful POCF only.
MOFG' s POCF Range Over the Past 10 Years
Min: 4.57  Med: 9.13 Max: 27.03
Current: 9.34
4.57
27.03
EV-to-EBIT 12.78
MOFG's EV-to-EBIT is ranked lower than
52% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. MOFG: 12.78 )
Ranked among companies with meaningful EV-to-EBIT only.
MOFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -9.3  Med: 14.55 Max: 53.3
Current: 12.78
-9.3
53.3
EV-to-EBITDA 10.28
MOFG's EV-to-EBITDA is ranked higher than
55% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. MOFG: 10.28 )
Ranked among companies with meaningful EV-to-EBITDA only.
MOFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.3  Med: 11.65 Max: 24.4
Current: 10.28
-10.3
24.4
PEG 0.56
MOFG's PEG is ranked higher than
68% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MOFG: 0.56 )
Ranked among companies with meaningful PEG only.
MOFG' s PEG Range Over the Past 10 Years
Min: 0.49  Med: 0.88 Max: 14.01
Current: 0.56
0.49
14.01
Shiller P/E 22.50
MOFG's Shiller P/E is ranked lower than
78% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. MOFG: 22.50 )
Ranked among companies with meaningful Shiller P/E only.
MOFG' s Shiller P/E Range Over the Past 10 Years
Min: 8.11  Med: 17.08 Max: 28.54
Current: 22.5
8.11
28.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.27
MOFG's Dividend Yield is ranked lower than
65% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. MOFG: 2.27 )
Ranked among companies with meaningful Dividend Yield only.
MOFG' s Dividend Yield Range Over the Past 10 Years
Min: 1.02  Med: 1.80 Max: 8.74
Current: 2.27
1.02
8.74
Dividend Payout 0.28
MOFG's Dividend Payout is ranked higher than
60% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. MOFG: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
MOFG' s Dividend Payout Range Over the Past 10 Years
Min: 0.14  Med: 0.24 Max: 1.28
Current: 0.28
0.14
1.28
Dividend Growth (3y) 38.10
MOFG's Dividend Growth (3y) is ranked higher than
91% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. MOFG: 38.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MOFG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 38.1
Current: 38.1
0
38.1
Forward Dividend Yield 2.42
MOFG's Forward Dividend Yield is ranked lower than
67% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. MOFG: 2.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.77
MOFG's Yield on cost (5-Year) is ranked higher than
73% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. MOFG: 5.77 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MOFG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.58  Med: 4.55 Max: 22.11
Current: 5.77
2.58
22.11
3-Year Average Share Buyback Ratio 0.80
MOFG's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. MOFG: 0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MOFG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -36.4  Med: -2.20 Max: 12.7
Current: 0.8
-36.4
12.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.42
MOFG's Price/Tangible Book is ranked lower than
71% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MOFG: 1.42 )
Ranked among companies with meaningful Price/Tangible Book only.
MOFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.56  Med: 1.25 Max: 1.89
Current: 1.42
0.56
1.89
Price/Projected FCF 0.71
MOFG's Price/Projected FCF is ranked lower than
60% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. MOFG: 0.71 )
Ranked among companies with meaningful Price/Projected FCF only.
MOFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.73 Max: 1.45
Current: 0.71
0.41
1.45
Price/Median PS Value 1.07
MOFG's Price/Median PS Value is ranked lower than
70% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. MOFG: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
MOFG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.51  Med: 1.08 Max: 1.94
Current: 1.07
0.51
1.94
Price/Peter Lynch Fair Value 1.12
MOFG's Price/Peter Lynch Fair Value is ranked lower than
67% of the 634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. MOFG: 1.12 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MOFG' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.48  Med: 1.14 Max: 2.91
Current: 1.12
0.48
2.91
Price/Graham Number 0.83
MOFG's Price/Graham Number is ranked lower than
56% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. MOFG: 0.83 )
Ranked among companies with meaningful Price/Graham Number only.
MOFG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 0.87 Max: 1.2
Current: 0.83
0.62
1.2
Earnings Yield (Greenblatt) (%) 7.83
MOFG's Earnings Yield (Greenblatt) (%) is ranked higher than
59% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MOFG: 7.83 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MOFG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 6.50 Max: 23.7
Current: 7.83
1.9
23.7
Forward Rate of Return (Yacktman) (%) 18.36
MOFG's Forward Rate of Return (Yacktman) (%) is ranked higher than
58% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. MOFG: 18.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MOFG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6.2  Med: 10.70 Max: 30
Current: 18.36
6.2
30

More Statistics

Revenue(Mil) $111
EPS $ 2.38
Beta1.04
Short Percentage of Float1.98%
52-Week Range $26.00 - 34.04
Shares Outstanding(Mil)11.41

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.66 2.87
EPS without NRI($) 2.66 2.87

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
MidWestOne Financial Group Inc was incorporated in 1983, is a bank holding company for MidWestOne Bank. MidWestOne Bank operates a total of 25 branch locations, plus its specialized Home Mortgage Center, in 15 counties throughout central and east-central Iowa. It provides full service retail banking in the communities in which its branch offices are located. Its Deposit products offered include checking and other demand deposit accounts, NOW accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts and other time deposits. It offers commercial and industrial, agricultural, real estate mortgage and consumer loans. Other products and services include debit cards, automated teller machines, on-line banking and safe deposit boxes. The main service consists of making loans to and accepting deposits from individuals, businesses, governmental units and institutional customers. MidWestOne Bank also has a trust and investment department through which it offers a number of trust and investment services, including administering estates, personal trusts, conservatorships, pension and profit-sharing funds and providing property management, farm management, custodial services, financial planning, investment management and retail brokerage. Through its insurance subsidiary, MidWestOne Insurance Services, Inc., the Company offers property and casualty insurance products to individuals and small businesses. The Company's competitors in some of its markets include Wells Fargo Bank, U.S. Bank, Hills Bank & Trust, University of Iowa Community Credit Union, Two Rivers Bank & Trust, Veridian Credit Union, and Farm Credit Services.
» More Articles for MOFG

Headlines

Articles On GuruFocus.com
Stocks with Fastest Dividend Growth January 2012 Jan 20 2012 
MidWestOne Financial Gp Reports Operating Results (10-K) Mar 04 2011 
MidWestOne Financial Gp (MOFG) CEO Charles N Funk buys 1,000 Shares Feb 02 2011 
MidWestOne Financial Gp (MOFG) CEO Charles N Funk buys 1,000 Shares Nov 03 2010 
MidWestOne Financial Gp (MOFG) CEO Charles N Funk buys 1,000 Shares Sep 08 2010 
MidWestOne Financial Gp Reports Operating Results (10-Q) Aug 04 2010 
MidWestOne Financial Gp (MOFG) CEO Charles N Funk buys 1,000 Shares Nov 03 2009 
MidWestOne Financial Gp (MOFG) CEO Charles N Funk buys 3,000 Shares Jun 15 2009 
MidWestOne Financial Gp (MOFG) CEO Charles N Funk buys 1,100 Shares Apr 29 2009 
MidWestOne Financial Gp (MOFG) President and CEO Charles N Funk buys 1,100 Shares Feb 24 2009 

More From Other Websites
CFO Moves: Harris Corp., Allscripts Healthcare, MidWestOne Financial Feb 02 2016
MIDWESTONE FINANCIAL GROUP, INC. Files SEC form 8-K, Change in Directors or Principal Officers Feb 02 2016
MidWestOne Financial Group, Inc. Earnings Analysis: Q4, 2015 By the Numbers Feb 01 2016
Edited Transcript of MOFG earnings conference call or presentation 29-Jan-16 5:00pm GMT Jan 29 2016
MIDWESTONE FINANCIAL GROUP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Jan 28 2016
Q4 2015 Midwestone Financial Group Inc Earnings Release - Time Not Supplied Jan 28 2016
MidWestOne Financial Group Declares Increased Dividend Jan 20 2016
MIDWESTONE FINANCIAL GROUP, INC. Files SEC form 8-K, Other Events Jan 20 2016
MidWestOne Financial Group, Inc. breached its 50 day moving average in a Bearish Manner : December... Dec 29 2015
MIDWESTONE FINANCIAL GROUP, INC. Financials Dec 08 2015
3 Companies’ Insiders Who Aren’t Afraid Of A Bear Market Nov 27 2015
MidWestOne Financial Group, Inc. breached its 50 day moving average in a Bearish Manner : November... Nov 16 2015
MidWestOne Financial Group, Inc. Earnings Q3, 2015 Nov 12 2015
MIDWESTONE FINANCIAL GROUP, INC. Files SEC form 10-Q, Quarterly Report Oct 29 2015
Edited Transcript of MOFG earnings conference call or presentation 23-Oct-15 4:00pm GMT Oct 27 2015
MIDWESTONE FINANCIAL GROUP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Oct 22 2015
MidWestOne Financial Group Declares Dividend Oct 21 2015
MIDWESTONE FINANCIAL GROUP, INC. Files SEC form 8-K, Other Events Oct 21 2015
MidWestOne Financial Group, Inc. Earnings Q2, 2015 Sep 15 2015
MIDWESTONE FINANCIAL GROUP, INC. Files SEC form 10-Q, Quarterly Report Aug 10 2015

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