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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 0.28
MOFG's Cash to Debt is ranked lower than
83% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. MOFG: 0.28 )
Ranked among companies with meaningful Cash to Debt only.
MOFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.2 Max: 0.96
Current: 0.28
0.13
0.96
Equity to Asset 0.10
MOFG's Equity to Asset is ranked lower than
55% of the 1614 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: 0.1 Max: 0.13
Current: 0.1
0.08
0.13
Interest Coverage 2.14
MOFG's Interest Coverage is ranked higher than
57% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. MOFG: 2.14 )
Ranked among companies with meaningful Interest Coverage only.
MOFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 1.36 Max: 3.09
Current: 2.14
0.15
3.09
F-Score: 4
M-Score: -2.55
WACC vs ROIC
8.88%
5.24%
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 (%) 22.15
MOFG's Operating margin (%) is ranked lower than
70% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. MOFG: 22.15 )
Ranked among companies with meaningful Operating margin (%) only.
MOFG' s Operating margin (%) Range Over the Past 10 Years
Min: -55.15  Med: 28.92 Max: 36.76
Current: 22.15
-55.15
36.76
Net-margin (%) 16.57
MOFG's Net-margin (%) is ranked lower than
69% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. MOFG: 16.57 )
Ranked among companies with meaningful Net-margin (%) only.
MOFG' s Net-margin (%) Range Over the Past 10 Years
Min: -54.16  Med: 21.77 Max: 27.09
Current: 16.57
-54.16
27.09
ROE (%) 6.72
MOFG's ROE (%) is ranked lower than
64% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. MOFG: 6.72 )
Ranked among companies with meaningful ROE (%) only.
MOFG' s ROE (%) Range Over the Past 10 Years
Min: -23.65  Med: 8.77 Max: 10.57
Current: 6.72
-23.65
10.57
ROA (%) 0.68
MOFG's ROA (%) is ranked lower than
64% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MOFG: 0.68 )
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: 0.68
-2.22
1.05
Revenue Growth (3Y)(%) 10.10
MOFG's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. MOFG: 10.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MOFG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.6  Med: 4.2 Max: 15.2
Current: 10.1
-4.6
15.2
EBITDA Growth (3Y)(%) -8.60
MOFG's EBITDA Growth (3Y)(%) is ranked lower than
83% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. MOFG: -8.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MOFG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.1  Med: 3.9 Max: 39.2
Current: -8.6
-24.1
39.2
EPS Growth (3Y)(%) -6.50
MOFG's EPS Growth (3Y)(%) is ranked lower than
80% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. MOFG: -6.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MOFG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -37.4  Med: 13.8 Max: 66.5
Current: -6.5
-37.4
66.5
GuruFocus has detected 7 Warning Signs with MidWestOne Financial Group Inc $MOFG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MOFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016

MOFG Guru Trades in Q1 2016

Jim Simons 106,897 sh (+6.90%)
» More
Q2 2016

MOFG Guru Trades in Q2 2016

Chuck Royce 163,638 sh (New)
Jim Simons 105,200 sh (-1.59%)
» More
Q3 2016

MOFG Guru Trades in Q3 2016

Chuck Royce 422,668 sh (+158.29%)
Jim Simons 111,300 sh (+5.80%)
» More
Q4 2016

MOFG Guru Trades in Q4 2016

Chuck Royce 505,696 sh (+19.64%)
Jim Simons 123,100 sh (+10.60%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:NCOM, NAS:NCBS, NAS:FMBH, NAS:BMRC, OTCPK:SBFC, NAS:BSRR, NAS:VBTX, NAS:EQBK, NAS:CARO, NAS:FBNK, NAS:FRBK, NAS:FMNB, NAS:CCNE, NAS:IBCP, NAS:WTBA, OTCPK:HBIA, NAS:ABTX, NAS:WFBI, NAS:PUB, NAS:HTBI » details
MidWestOne Financial Group Inc is a bank holding company. The Company through its subsidiary provides commercial and retail lending services to individuals, businesses, governmental units and institutional customers in central and east-central Iowa.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 21.07
MOFG's P/E(ttm) is ranked lower than
73% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. MOFG: 21.07 )
Ranked among companies with meaningful P/E(ttm) only.
MOFG' s P/E(ttm) Range Over the Past 10 Years
Min: 9.03  Med: 12.09 Max: 32.78
Current: 21.07
9.03
32.78
Forward P/E 13.91
MOFG's Forward P/E is ranked higher than
64% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. MOFG: 13.91 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.07
MOFG's PE(NRI) is ranked lower than
73% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. MOFG: 21.07 )
Ranked among companies with meaningful PE(NRI) only.
MOFG' s PE(NRI) Range Over the Past 10 Years
Min: 9.03  Med: 12.09 Max: 32.78
Current: 21.07
9.03
32.78
Price/Owner Earnings (ttm) 16.71
MOFG's Price/Owner Earnings (ttm) is ranked lower than
55% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. MOFG: 16.71 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MOFG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.85  Med: 11.22 Max: 57.36
Current: 16.71
5.85
57.36
P/B 1.39
MOFG's P/B is ranked lower than
60% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MOFG: 1.39 )
Ranked among companies with meaningful P/B only.
MOFG' s P/B Range Over the Past 10 Years
Min: 0.35  Med: 1.04 Max: 1.42
Current: 1.39
0.35
1.42
P/S 3.49
MOFG's P/S is ranked higher than
51% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. MOFG: 3.49 )
Ranked among companies with meaningful P/S only.
MOFG' s P/S Range Over the Past 10 Years
Min: 1.13  Med: 2.53 Max: 3.72
Current: 3.49
1.13
3.72
PFCF 15.84
MOFG's PFCF is ranked lower than
52% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. MOFG: 15.84 )
Ranked among companies with meaningful PFCF only.
MOFG' s PFCF Range Over the Past 10 Years
Min: 5.09  Med: 10.8 Max: 32.7
Current: 15.84
5.09
32.7
POCF 13.53
MOFG's POCF is ranked lower than
51% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. MOFG: 13.53 )
Ranked among companies with meaningful POCF only.
MOFG' s POCF Range Over the Past 10 Years
Min: 4.59  Med: 8.69 Max: 27.25
Current: 13.53
4.59
27.25
EV-to-EBIT 19.88
MOFG's EV-to-EBIT is ranked lower than
71% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. MOFG: 19.88 )
Ranked among companies with meaningful EV-to-EBIT only.
MOFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -9.3  Med: 13.9 Max: 53.3
Current: 19.88
-9.3
53.3
EV-to-EBITDA 15.09
MOFG's EV-to-EBITDA is ranked lower than
62% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. MOFG: 15.09 )
Ranked among companies with meaningful EV-to-EBITDA only.
MOFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.3  Med: 11.1 Max: 24.4
Current: 15.09
-10.3
24.4
PEG 9.76
MOFG's PEG is ranked lower than
94% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. MOFG: 9.76 )
Ranked among companies with meaningful PEG only.
MOFG' s PEG Range Over the Past 10 Years
Min: 0.48  Med: 1.35 Max: 9.76
Current: 9.76
0.48
9.76
Shiller P/E 31.51
MOFG's Shiller P/E is ranked lower than
74% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. MOFG: 31.51 )
Ranked among companies with meaningful Shiller P/E only.
MOFG' s Shiller P/E Range Over the Past 10 Years
Min: 8.17  Med: 20.63 Max: 31.92
Current: 31.51
8.17
31.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.72
MOFG's Dividend Yield is ranked lower than
70% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. MOFG: 1.72 )
Ranked among companies with meaningful Dividend Yield only.
MOFG' s Dividend Yield Range Over the Past 10 Years
Min: 1.04  Med: 1.85 Max: 8.74
Current: 1.72
1.04
8.74
Dividend Payout 0.29
MOFG's Dividend Payout is ranked higher than
58% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MOFG: 0.29 )
Ranked among companies with meaningful Dividend Payout only.
MOFG' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.24 Max: 0.72
Current: 0.29
0.15
0.72
Dividend Growth (3y) 8.60
MOFG's Dividend Growth (3y) is ranked higher than
52% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. MOFG: 8.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MOFG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 38.1
Current: 8.6
0
38.1
Forward Dividend Yield 1.81
MOFG's Forward Dividend Yield is ranked lower than
73% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. MOFG: 1.81 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.69
MOFG's Yield on cost (5-Year) is ranked higher than
68% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. MOFG: 4.69 )
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: 2.83  Med: 5.04 Max: 23.82
Current: 4.69
2.83
23.82
3-Year Average Share Buyback Ratio -10.50
MOFG's 3-Year Average Share Buyback Ratio is ranked lower than
77% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. MOFG: -10.50 )
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: -32.6  Med: 0.5 Max: 3.1
Current: -10.5
-32.6
3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
MOFG's Price/Tangible Book is ranked lower than
73% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. MOFG: 1.90 )
Ranked among companies with meaningful Price/Tangible Book only.
MOFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.61  Med: 1.34 Max: 1.91
Current: 1.9
0.61
1.91
Price/Projected FCF 0.92
MOFG's Price/Projected FCF is ranked lower than
55% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MOFG: 0.92 )
Ranked among companies with meaningful Price/Projected FCF only.
MOFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.74 Max: 1.19
Current: 0.92
0.47
1.19
Price/Median PS Value 1.38
MOFG's Price/Median PS Value is ranked lower than
67% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. MOFG: 1.38 )
Ranked among companies with meaningful Price/Median PS Value only.
MOFG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1 Max: 1.38
Current: 1.38
0.52
1.38
Price/Peter Lynch Fair Value 3.89
MOFG's Price/Peter Lynch Fair Value is ranked lower than
94% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. MOFG: 3.89 )
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: 0.66  Med: 1.15 Max: 3.9
Current: 3.89
0.66
3.9
Price/Graham Number 1.33
MOFG's Price/Graham Number is ranked lower than
73% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. MOFG: 1.33 )
Ranked among companies with meaningful Price/Graham Number only.
MOFG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 0.89 Max: 1.34
Current: 1.33
0.62
1.34
Earnings Yield (Greenblatt) (%) 5.00
MOFG's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. MOFG: 5.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MOFG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 7 Max: 23.7
Current: 5
1.9
23.7
Forward Rate of Return (Yacktman) (%) 11.28
MOFG's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. MOFG: 11.28 )
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: -1.8  Med: 8.8 Max: 30
Current: 11.28
-1.8
30

More Statistics

Revenue (TTM) (Mil) $123.0
EPS (TTM) $ 1.78
Beta0.96
Short Percentage of Float0.79%
52-Week Range $24.71 - 39.20
Shares Outstanding (Mil)11.44

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.62 2.80
EPS w/o NRI ($) 2.62 2.80
EPS Growth Rate
(3Y to 5Y Estimate)
6.00%
Dividends Per Share ($) 0.68 0.70
» 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 

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