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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.22
MOFG's Cash to Debt is ranked higher than
58% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. MOFG: 0.22 )
MOFG' s 10-Year Cash to Debt Range
Min: 0.13   Max: 2.08
Current: 0.22

0.13
2.08
Equity to Asset 0.11
MOFG's Equity to Asset is ranked higher than
75% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MOFG: 0.11 )
MOFG' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.16
Current: 0.11

0.08
0.16
Interest Coverage 2.68
MOFG's Interest Coverage is ranked higher than
79% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. MOFG: 2.68 )
MOFG' s 10-Year Interest Coverage Range
Min: 0.15   Max: 2.68
Current: 2.68

0.15
2.68
F-Score: 7
Z-Score: 0.27
WACC vs ROIC
11.25%
6.87%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 36.42
MOFG's Operating margin (%) is ranked higher than
84% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. MOFG: 36.42 )
MOFG' s 10-Year Operating margin (%) Range
Min: -55.15   Max: 46.63
Current: 36.42

-55.15
46.63
Net-margin (%) 26.40
MOFG's Net-margin (%) is ranked higher than
83% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.03 vs. MOFG: 26.40 )
MOFG' s 10-Year Net-margin (%) Range
Min: -54.16   Max: 31.29
Current: 26.4

-54.16
31.29
ROE (%) 9.97
MOFG's ROE (%) is ranked higher than
82% of the 2051 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. MOFG: 9.97 )
MOFG' s 10-Year ROE (%) Range
Min: -23.65   Max: 14.37
Current: 9.97

-23.65
14.37
ROA (%) 1.05
MOFG's ROA (%) is ranked higher than
85% of the 2054 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. MOFG: 1.05 )
MOFG' s 10-Year ROA (%) Range
Min: -2.22   Max: 1.97
Current: 1.05

-2.22
1.97
ROC (Joel Greenblatt) (%) 78.79
MOFG's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. MOFG: 78.79 )
MOFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -123.36   Max: 208.22
Current: 78.79

-123.36
208.22
Revenue Growth (3Y)(%) 4.20
MOFG's Revenue Growth (3Y)(%) is ranked higher than
83% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. MOFG: 4.20 )
MOFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 18.8
Current: 4.2

0
18.8
EBITDA Growth (3Y)(%) 9.50
MOFG's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. MOFG: 9.50 )
MOFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 39.3
Current: 9.5

0
39.3
EPS Growth (3Y)(%) 14.40
MOFG's EPS Growth (3Y)(%) is ranked higher than
83% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. MOFG: 14.40 )
MOFG' s 10-Year EPS Growth (3Y)(%) Range
Min: -37.4   Max: 66.5
Current: 14.4

-37.4
66.5
» MOFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

MOFG Guru Trades in Q1 2014

Jim Simons 30,500 sh (+10.11%)
» More
Q2 2014

MOFG Guru Trades in Q2 2014

Jim Simons 45,200 sh (+48.20%)
» More
Q3 2014

MOFG Guru Trades in Q3 2014

Jim Simons 49,300 sh (+9.07%)
» More
Q4 2014

MOFG Guru Trades in Q4 2014

Jim Simons 49,600 sh (+0.61%)
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.80
MOFG's P/E(ttm) is ranked higher than
82% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. MOFG: 12.80 )
MOFG' s 10-Year P/E(ttm) Range
Min: 8.53   Max: 32.59
Current: 12.8

8.53
32.59
Forward P/E 10.20
MOFG's Forward P/E is ranked higher than
87% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.08 vs. MOFG: 10.20 )
N/A
PE(NRI) 13.10
MOFG's PE(NRI) is ranked higher than
85% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. MOFG: 13.10 )
MOFG' s 10-Year PE(NRI) Range
Min: 8.5   Max: 32.78
Current: 13.1

8.5
32.78
P/B 1.20
MOFG's P/B is ranked higher than
69% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. MOFG: 1.20 )
MOFG' s 10-Year P/B Range
Min: 0.35   Max: 1.39
Current: 1.2

0.35
1.39
P/S 3.46
MOFG's P/S is ranked higher than
65% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.71 vs. MOFG: 3.46 )
MOFG' s 10-Year P/S Range
Min: 1.14   Max: 4.98
Current: 3.46

1.14
4.98
PFCF 22.30
MOFG's PFCF is ranked higher than
75% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MOFG: 22.30 )
MOFG' s 10-Year PFCF Range
Min: 5.1   Max: 247.75
Current: 22.3

5.1
247.75
POCF 10.40
MOFG's POCF is ranked higher than
83% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 48.59 vs. MOFG: 10.40 )
MOFG' s 10-Year POCF Range
Min: 4.57   Max: 28.32
Current: 10.4

4.57
28.32
EV-to-EBIT 12.69
MOFG's EV-to-EBIT is ranked higher than
83% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.66 vs. MOFG: 12.69 )
MOFG' s 10-Year EV-to-EBIT Range
Min: -9.3   Max: 53.3
Current: 12.69

-9.3
53.3
PEG 0.58
MOFG's PEG is ranked higher than
96% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MOFG: 0.58 )
MOFG' s 10-Year PEG Range
Min: 0.49   Max: 14.24
Current: 0.58

0.49
14.24
Shiller P/E 18.20
MOFG's Shiller P/E is ranked higher than
84% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MOFG: 18.20 )
MOFG' s 10-Year Shiller P/E Range
Min: 6.95   Max: 43.36
Current: 18.2

6.95
43.36
Days Sales Outstanding 56.69
MOFG's Days Sales Outstanding is ranked higher than
82% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MOFG: 56.69 )
MOFG' s 10-Year Days Sales Outstanding Range
Min: 12.75   Max: 97.97
Current: 56.69

12.75
97.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.03
MOFG's Dividend Yield is ranked lower than
56% of the 1923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.36 vs. MOFG: 2.03 )
MOFG' s 10-Year Dividend Yield Range
Min: 1.02   Max: 8.74
Current: 2.03

1.02
8.74
Dividend Payout 0.26
MOFG's Dividend Payout is ranked higher than
82% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. MOFG: 0.26 )
MOFG' s 10-Year Dividend Payout Range
Min: 0.15   Max: 0.72
Current: 0.26

0.15
0.72
Dividend growth (3y) 38.10
MOFG's Dividend growth (3y) is ranked higher than
95% of the 1175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. MOFG: 38.10 )
MOFG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 38.1
Current: 38.1

0
38.1
Yield on cost (5-Year) 5.06
MOFG's Yield on cost (5-Year) is ranked higher than
81% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. MOFG: 5.06 )
MOFG' s 10-Year Yield on cost (5-Year) Range
Min: 2.58   Max: 22.11
Current: 5.06

2.58
22.11
Share Buyback Rate 0.80
MOFG's Share Buyback Rate is ranked higher than
90% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.20 vs. MOFG: 0.80 )
MOFG' s 10-Year Share Buyback Rate Range
Min: 12.7   Max: -36.4
Current: 0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
MOFG's Price/Tangible Book is ranked higher than
75% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. MOFG: 1.30 )
MOFG' s 10-Year Price/Tangible Book Range
Min: 0.54   Max: 1.86
Current: 1.3

0.54
1.86
Price/DCF (Projected) 0.60
MOFG's Price/DCF (Projected) is ranked higher than
90% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MOFG: 0.60 )
MOFG' s 10-Year Price/DCF (Projected) Range
Min: 0.45   Max: 1.45
Current: 0.6

0.45
1.45
Price/Median PS Value 1.40
MOFG's Price/Median PS Value is ranked higher than
70% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MOFG: 1.40 )
MOFG' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 1.94
Current: 1.4

0.51
1.94
Price/Peter Lynch Fair Value 0.80
MOFG's Price/Peter Lynch Fair Value is ranked higher than
95% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MOFG: 0.80 )
MOFG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.72   Max: 2.66
Current: 0.8

0.72
2.66
Price/Graham Number 0.90
MOFG's Price/Graham Number is ranked higher than
81% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. MOFG: 0.90 )
MOFG' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.06
Current: 0.9

0.6
1.06
Earnings Yield (Greenblatt) 7.80
MOFG's Earnings Yield (Greenblatt) is ranked higher than
79% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MOFG: 7.80 )
MOFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.9   Max: 23.7
Current: 7.8

1.9
23.7
Forward Rate of Return (Yacktman) 24.58
MOFG's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. MOFG: 24.58 )
MOFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.2   Max: 30
Current: 24.58

6.2
30

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 04 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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