Switch to:

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 0.16
MSFG's Cash-to-Debt is ranked lower than
90% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. MSFG: 0.16 )
Ranked among companies with meaningful Cash-to-Debt only.
MSFG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.48 Max: 2.94
Current: 0.16
0.13
2.94
Equity-to-Asset 0.11
MSFG's Equity-to-Asset is ranked higher than
61% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MSFG: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
MSFG' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.12
Current: 0.11
0.06
0.12
Interest Coverage 4.70
MSFG's Interest Coverage is ranked higher than
78% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MSFG: 4.70 )
Ranked among companies with meaningful Interest Coverage only.
MSFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.41  Med: 2.27 Max: 5.46
Current: 4.7
0.41
5.46
Beneish M-Score: -1.96
WACC vs ROIC
4.72%
5.00%
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 % 29.65
MSFG's Operating Margin % is ranked lower than
55% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. MSFG: 29.65 )
Ranked among companies with meaningful Operating Margin % only.
MSFG' s Operating Margin % Range Over the Past 10 Years
Min: -54.89  Med: 23.84 Max: 29.92
Current: 29.65
-54.89
29.92
Net Margin % 22.51
MSFG's Net Margin % is ranked higher than
50% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. MSFG: 22.51 )
Ranked among companies with meaningful Net Margin % only.
MSFG' s Net Margin % Range Over the Past 10 Years
Min: -46.46  Med: 19.68 Max: 23.23
Current: 22.51
-46.46
23.23
ROE % 8.96
MSFG's ROE % is ranked higher than
54% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. MSFG: 8.96 )
Ranked among companies with meaningful ROE % only.
MSFG' s ROE % Range Over the Past 10 Years
Min: -22.56  Med: 8.1 Max: 9.58
Current: 8.96
-22.56
9.58
ROA % 1.01
MSFG's ROA % is ranked higher than
59% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MSFG: 1.01 )
Ranked among companies with meaningful ROA % only.
MSFG' s ROA % Range Over the Past 10 Years
Min: -2.21  Med: 0.91 Max: 1.09
Current: 1.01
-2.21
1.09
3-Year Revenue Growth Rate 3.40
MSFG's 3-Year Revenue Growth Rate is ranked lower than
54% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. MSFG: 3.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MSFG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11.5  Med: 3.4 Max: 30.2
Current: 3.4
-11.5
30.2
3-Year EBITDA Growth Rate 9.00
MSFG's 3-Year EBITDA Growth Rate is ranked higher than
58% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MSFG: 9.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MSFG' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -15.1  Med: 6.4 Max: 36.4
Current: 9
-15.1
36.4
3-Year EPS without NRI Growth Rate 9.20
MSFG's 3-Year EPS without NRI Growth Rate is ranked higher than
55% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MSFG: 9.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MSFG' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -20.9  Med: 7.6 Max: 29.5
Current: 9.2
-20.9
29.5
GuruFocus has detected 5 Warning Signs with MainSource Financial Group Inc $MSFG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MSFG's 10-Y Financials

Financials (Next Earnings Date: 2017-04-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

MSFG Guru Trades in Q1 2016

Jim Simons 296,400 sh (+3.67%)
» More
Q2 2016

MSFG Guru Trades in Q2 2016

Jim Simons 293,600 sh (-0.94%)
» More
Q3 2016

MSFG Guru Trades in Q3 2016

Jim Simons 297,669 sh (+1.39%)
» More
Q4 2016

MSFG Guru Trades in Q4 2016

Jim Simons 303,400 sh (+1.93%)
» More
» Details

Insider Trades

Latest Guru Trades with MSFG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:CTBI, NAS:TCBK, NAS:ORIT, NAS:CNOB, NAS:PFBC, NAS:TRST, NAS:WASH, NYSE:FBK, NAS:HFWA, NAS:GABC, NAS:FBNC, NYSE:NBHC, NAS:NFBK, NAS:RBCAA, NAS:GBNK, NAS:GSBC, NAS:CUNB, NAS:COBZ, NAS:OPB, NYSE:CUBI » details
Headquarter Location:USA
MainSource Financial Group Inc through its banks provides financial services which include accepting time and transaction deposits; making consumer, commercial, agribusiness and real estate mortgage loans, renting safe deposit facilities & among others.

MainSource Financial Group Inc was formed in 1982. It is an Indiana corporation and bank holding company. Through the Bank, the Company offers financial services, including: accepting time and transaction deposits; making consumer, commercial, agribusiness and real estate mortgage loans; renting safe deposit facilities; providing personal and corporate trust services; and providing other corporate services such as letters of credit and repurchase agreements. The lending activities of the Bank are separated into the categories of commercial, commercial real estate, residential, and consumer. Loans are originated by the lending officers of the Bank subject to limitations set forth in lending policies. Commercial loans include secured and unsecured loans, including real estate loans, to individuals and companies and to governmental units predominantly within the market area of the Bank for a myriad of business purposes. Agricultural loans are generated in the Bank's markets. Its loans are real estate loans on farm properties. Loans are also made for agricultural production and such loans are generally reviewed annually. Residential real estate lending has been the component of the loan portfolio for many years. The Bank generates residential mortgages for its own portfolio. However, the Company elects to sell the majority of its fixed rate mortgages into the secondary market while maintaining the servicing of such loans. The competitors of the Company include securities dealers, brokers, mortgage bankers, investment advisors and finance and insurance companies. The Company is subject to extensive state and federal regulation, supervision and legislation that governs almost all aspects of its operations, as well as any acquisitions it may propose to make.

Ratios

vs
industry
vs
history
PE Ratio 20.20
MSFG's PE Ratio is ranked lower than
73% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. MSFG: 20.20 )
Ranked among companies with meaningful PE Ratio only.
MSFG' s PE Ratio Range Over the Past 10 Years
Min: 5.47  Med: 12.95 Max: 21.47
Current: 20.2
5.47
21.47
Forward PE Ratio 15.92
MSFG's Forward PE Ratio is ranked lower than
64% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. MSFG: 15.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 20.20
MSFG's PE Ratio without NRI is ranked lower than
73% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. MSFG: 20.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
MSFG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.47  Med: 12.95 Max: 21.47
Current: 20.2
5.47
21.47
Price-to-Owner-Earnings 19.88
MSFG's Price-to-Owner-Earnings is ranked lower than
72% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. MSFG: 19.88 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MSFG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.22  Med: 10.9 Max: 24.4
Current: 19.88
4.22
24.4
PB Ratio 1.77
MSFG's PB Ratio is ranked lower than
78% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MSFG: 1.77 )
Ranked among companies with meaningful PB Ratio only.
MSFG' s PB Ratio Range Over the Past 10 Years
Min: 0.36  Med: 1.06 Max: 1.89
Current: 1.77
0.36
1.89
PS Ratio 4.51
MSFG's PS Ratio is ranked lower than
69% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. MSFG: 4.51 )
Ranked among companies with meaningful PS Ratio only.
MSFG' s PS Ratio Range Over the Past 10 Years
Min: 0.66  Med: 2.55 Max: 13.76
Current: 4.51
0.66
13.76
Price-to-Free-Cash-Flow 23.64
MSFG's Price-to-Free-Cash-Flow is ranked lower than
84% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. MSFG: 23.64 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MSFG' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.51  Med: 7.79 Max: 37.95
Current: 23.64
1.51
37.95
Price-to-Operating-Cash-Flow 16.47
MSFG's Price-to-Operating-Cash-Flow is ranked lower than
75% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. MSFG: 16.47 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MSFG' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.46  Med: 7.02 Max: 21.81
Current: 16.47
1.46
21.81
EV-to-EBIT 24.13
MSFG's EV-to-EBIT is ranked lower than
80% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. MSFG: 24.13 )
Ranked among companies with meaningful EV-to-EBIT only.
MSFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -18.3  Med: 17 Max: 139.3
Current: 24.13
-18.3
139.3
EV-to-EBITDA 20.09
MSFG's EV-to-EBITDA is ranked lower than
77% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. MSFG: 20.09 )
Ranked among companies with meaningful EV-to-EBITDA only.
MSFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -27.3  Med: 13.7 Max: 97.8
Current: 20.09
-27.3
97.8
PEG Ratio 2.69
MSFG's PEG Ratio is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. MSFG: 2.69 )
Ranked among companies with meaningful PEG Ratio only.
MSFG' s PEG Ratio Range Over the Past 10 Years
Min: 1.1  Med: 2.15 Max: 14.56
Current: 2.69
1.1
14.56
Shiller PE Ratio 41.65
MSFG's Shiller PE Ratio is ranked lower than
88% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. MSFG: 41.65 )
Ranked among companies with meaningful Shiller PE Ratio only.
MSFG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.48  Med: 14.57 Max: 44.01
Current: 41.65
4.48
44.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.84
MSFG's Dividend Yield % is ranked lower than
69% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. MSFG: 1.84 )
Ranked among companies with meaningful Dividend Yield % only.
MSFG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.33  Med: 2.21 Max: 10.7
Current: 1.84
0.33
10.7
Dividend Payout Ratio 0.37
MSFG's Dividend Payout Ratio is ranked lower than
57% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MSFG: 0.37 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MSFG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.3 Max: 0.58
Current: 0.37
0.04
0.58
3-Year Dividend Growth Rate 28.90
MSFG's 3-Year Dividend Growth Rate is ranked higher than
85% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MSFG: 28.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MSFG' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -58.9  Med: 11 Max: 119
Current: 28.9
-58.9
119
Forward Dividend Yield % 1.93
MSFG's Forward Dividend Yield % is ranked lower than
71% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. MSFG: 1.93 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 30.71
MSFG's 5-Year Yield-on-Cost % is ranked higher than
99% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. MSFG: 30.71 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MSFG' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.48  Med: 36.86 Max: 177.64
Current: 30.71
5.48
177.64
3-Year Average Share Buyback Ratio -5.60
MSFG's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. MSFG: -5.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MSFG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -32.9  Med: -2.7 Max: 2.9
Current: -5.6
-32.9
2.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.34
MSFG's Price-to-Tangible-Book is ranked lower than
85% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. MSFG: 2.34 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MSFG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.59  Med: 1.64 Max: 3.61
Current: 2.34
0.59
3.61
Price-to-Intrinsic-Value-Projected-FCF 1.04
MSFG's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
73% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MSFG: 1.04 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MSFG' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.18  Med: 0.63 Max: 1.27
Current: 1.04
0.18
1.27
Price-to-Median-PS-Value 1.77
MSFG's Price-to-Median-PS-Value is ranked lower than
88% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. MSFG: 1.77 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MSFG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.27  Med: 0.92 Max: 2.04
Current: 1.77
0.27
2.04
Price-to-Peter-Lynch-Fair-Value 2.78
MSFG's Price-to-Peter-Lynch-Fair-Value is ranked lower than
86% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MSFG: 2.78 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
MSFG' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.28 Max: 2.89
Current: 2.78
0.53
2.89
Price-to-Graham-Number 1.44
MSFG's Price-to-Graham-Number is ranked lower than
82% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. MSFG: 1.44 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MSFG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.57  Med: 1.01 Max: 1.61
Current: 1.44
0.57
1.61
Earnings Yield (Greenblatt) % 4.14
MSFG's Earnings Yield (Greenblatt) % is ranked lower than
61% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. MSFG: 4.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MSFG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.7  Med: 5.6 Max: 10.5
Current: 4.14
0.7
10.5
Forward Rate of Return (Yacktman) % 12.98
MSFG's Forward Rate of Return (Yacktman) % is ranked higher than
56% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. MSFG: 12.98 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MSFG' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1  Med: 16 Max: 37
Current: 12.98
-1
37

More Statistics

Revenue (TTM) (Mil) $170.2
EPS (TTM) $ 1.64
Beta0.66
Short Percentage of Float1.20%
52-Week Range $19.98 - 35.64
Shares Outstanding (Mil)24.14

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.08 2.05
EPS without NRI ($) 2.08 2.05
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.64 0.67
» More Articles for MSFG

Headlines

Articles On GuruFocus.com
MainSource Financial Group Receives Regulatory Approvals to Acquire FCB Bancorp, Inc. Apr 14 2017 
50 Stocks with the Best Dividend Growth in July 2012 Jul 31 2012 
MainSource Financial Group Inc Reports Operating Results (10-K) Mar 10 2011 
Five Banks with CEO Purchases in the Past Week: BKMU, MSFG, BDGE, UVSP, CNBC Feb 16 2011 
MainSource Financial Group Inc (MSFG) CEO Archie M Jr Brown buys 1,316 Shares Feb 15 2011 
MainSource Financial Group Inc (MSFG) Chairman Robert E Hoptry sells 4,000 Shares Dec 14 2010 
MainSource Financial Group Inc (MSFG) CEO Archie M Jr Brown buys 947 Shares Aug 24 2010 
MainSource Financial Group Inc (MSFG) CEO Archie M Jr Brown buys 1,925 Shares Jun 14 2010 
MainSource Financial Group Inc (MSFG) Chairman Robert E Hoptry sells 7,500 Shares May 13 2010 
MainSource Financial Group Inc (MSFG) Chairman Robert E Hoptry buys 8,500 Shares Nov 04 2009 

More From Other Websites
MainSource Financial Group, Inc. breached its 50 day moving average in a Bullish Manner : MSFG-US :... Apr 21 2017
MainSource Financial Group Receives Regulatory Approvals to Acquire FCB Bancorp, Inc. Apr 14 2017
MainSource Financial Group, Inc. breached its 50 day moving average in a Bullish Manner : MSFG-US :... Mar 15 2017
MainSource Bank Expands Wealth Management Division with Purchase of Elizabethtown, Ky Firm Feb 21 2017
Zacks.com featured highlights: United States Steel, Brooks Automation, First Financial Northwest,... Feb 07 2017
MainSource Financial Group, Inc. breached its 50 day moving average in a Bearish Manner : MSFG-US :... Feb 07 2017
5 Top-Ranked Earnings Growth Stocks to Buy Now Feb 06 2017
ETFs with exposure to MainSource Financial Group, Inc. : February 2, 2017 Feb 02 2017
MainSource Financial Group, Inc. :MSFG-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1,... Feb 01 2017
MainSource Financial Group, Inc. : MSFG-US: Dividend Analysis : December 05th, 2016 (record date) :... Jan 27 2017
MainSource posts 4Q profit Jan 25 2017
MainSource Financial Group - NASDAQ, MSFG - Announces Fourth Quarter 2016 Financial Results,... Jan 25 2017
Louisville's 10 biggest SBA loans in 2016 Jan 05 2017
MainSource Bank Announces the Retirement of President & CEO, Daryl R. Tressler Dec 28 2016
ETFs with exposure to MainSource Financial Group, Inc. : December 22, 2016 Dec 22 2016
Louisville-based First Capital Bank's parent company acquired in $57 million deal Dec 19 2016
MainSource Financial Group to Significantly Expand its Louisville Presence with the Acquisition of... Dec 19 2016
MainSource Financial Group, Inc. breached its 50 day moving average in a Bullish Manner : MSFG-US :... Nov 08 2016
ETF’s with exposure to MainSource Financial Group, Inc. : November 3, 2016 Nov 03 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)