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 : 7/10

vs
industry
vs
history
Cash to Debt 0.21
MSFG's Cash to Debt is ranked higher than
53% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. MSFG: 0.21 )
MSFG' s 10-Year Cash to Debt Range
Min: 0.13   Max: 8.78
Current: 0.21

0.13
8.78
Equity to Asset 0.11
MSFG's Equity to Asset is ranked higher than
78% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MSFG: 0.11 )
MSFG' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.11

0.06
0.13
Interest Coverage 3.17
MSFG's Interest Coverage is ranked higher than
84% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. MSFG: 3.17 )
MSFG' s 10-Year Interest Coverage Range
Min: 0.3   Max: 3.17
Current: 3.17

0.3
3.17
F-Score: 4
Z-Score: 0.20
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 (%) 23.55
MSFG's Operating margin (%) is ranked higher than
66% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. MSFG: 23.55 )
MSFG' s 10-Year Operating margin (%) Range
Min: -54.89   Max: 38.14
Current: 23.55

-54.89
38.14
Net-margin (%) 19.60
MSFG's Net-margin (%) is ranked higher than
71% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. MSFG: 19.60 )
MSFG' s 10-Year Net-margin (%) Range
Min: -46.46   Max: 24.74
Current: 19.6

-46.46
24.74
ROE (%) 8.62
MSFG's ROE (%) is ranked higher than
77% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. MSFG: 8.62 )
MSFG' s 10-Year ROE (%) Range
Min: -21.78   Max: 21.66
Current: 8.62

-21.78
21.66
ROA (%) 0.92
MSFG's ROA (%) is ranked higher than
80% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. MSFG: 0.92 )
MSFG' s 10-Year ROA (%) Range
Min: -2.21   Max: 1.83
Current: 0.92

-2.21
1.83
ROC (Joel Greenblatt) (%) 56.59
MSFG's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. MSFG: 56.59 )
MSFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -153.1   Max: 162.71
Current: 56.59

-153.1
162.71
Revenue Growth (%) -2.40
MSFG's Revenue Growth (%) is ranked higher than
65% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MSFG: -2.40 )
MSFG' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 12.5
Current: -2.4

0
12.5
EBITDA Growth (%) 19.20
MSFG's EBITDA Growth (%) is ranked higher than
87% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MSFG: 19.20 )
MSFG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 19.3
Current: 19.2

0
19.3
EPS Growth (%) 29.50
MSFG's EPS Growth (%) is ranked higher than
91% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. MSFG: 29.50 )
MSFG' s 10-Year EPS Growth (%) Range
Min: -20.9   Max: 29.5
Current: 29.5

-20.9
29.5
» MSFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

MSFG Guru Trades in Q2 2013

Jim Simons 118,900 sh (-1.36%)
Arnold Schneider 365,434 sh (-2.6%)
» More
Q3 2013

MSFG Guru Trades in Q3 2013

Jim Simons 122,600 sh (+3.11%)
Arnold Schneider 338,838 sh (-7.28%)
» More
Q4 2013

MSFG Guru Trades in Q4 2013

Jim Simons 135,900 sh (+10.85%)
Arnold Schneider 280,328 sh (-17.27%)
» More
Q1 2014

MSFG Guru Trades in Q1 2014

Jim Simons 161,877 sh (+19.11%)
Arnold Schneider 275,143 sh (-1.85%)
» More
» Details

Insider Trades

Latest Guru Trades with MSFG



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.40
MSFG's P/E(ttm) is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. MSFG: 12.40 )
MSFG' s 10-Year P/E(ttm) Range
Min: 5.38   Max: 18.38
Current: 12.4

5.38
18.38
P/B 1.10
MSFG's P/B is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. MSFG: 1.10 )
MSFG' s 10-Year P/B Range
Min: 0.36   Max: 2.46
Current: 1.1

0.36
2.46
P/S 2.60
MSFG's P/S is ranked higher than
78% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. MSFG: 2.60 )
MSFG' s 10-Year P/S Range
Min: 0.63   Max: 13.26
Current: 2.6

0.63
13.26
PFCF 7.50
MSFG's PFCF is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. MSFG: 7.50 )
MSFG' s 10-Year PFCF Range
Min: 1.47   Max: 24.65
Current: 7.5

1.47
24.65
EV-to-EBIT 16.75
MSFG's EV-to-EBIT is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. MSFG: 16.75 )
MSFG' s 10-Year EV-to-EBIT Range
Min: 9.5   Max: 78
Current: 16.75

9.5
78
PEG 5.20
MSFG's PEG is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. MSFG: 5.20 )
MSFG' s 10-Year PEG Range
Min: 0.66   Max: 5.2
Current: 5.2

0.66
5.2
Shiller P/E 79.30
MSFG's Shiller P/E is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. MSFG: 79.30 )
MSFG' s 10-Year Shiller P/E Range
Min: 4.18   Max: 85.62
Current: 79.3

4.18
85.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.11
MSFG's Dividend Yield is ranked lower than
54% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. MSFG: 2.11 )
MSFG' s 10-Year Dividend Yield Range
Min: 0.33   Max: 10.7
Current: 2.11

0.33
10.7
Dividend Payout 0.23
MSFG's Dividend Payout is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MSFG: 0.23 )
MSFG' s 10-Year Dividend Payout Range
Min: 0.03   Max: 4.83
Current: 0.23

0.03
4.83
Dividend growth (3y) 91.30
MSFG's Dividend growth (3y) is ranked higher than
98% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. MSFG: 91.30 )
MSFG' s 10-Year Dividend growth (3y) Range
Min: -58.9   Max: 91.3
Current: 91.3

-58.9
91.3
Yield on cost (5-Year) 3.26
MSFG's Yield on cost (5-Year) is ranked higher than
62% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. MSFG: 3.26 )
MSFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.51   Max: 16.61
Current: 3.26

0.51
16.61
Share Buyback Rate -0.50
MSFG's Share Buyback Rate is ranked higher than
81% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. MSFG: -0.50 )
MSFG' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -31.2
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
MSFG's Price/Tangible Book is ranked higher than
70% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. MSFG: 1.40 )
MSFG' s 10-Year Price/Tangible Book Range
Min: 0.59   Max: 6.07
Current: 1.4

0.59
6.07
Price/DCF (Projected) 0.50
MSFG's Price/DCF (Projected) is ranked higher than
91% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. MSFG: 0.50 )
MSFG' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 1.39
Current: 0.5

0.16
1.39
Price/Median PS Value 1.00
MSFG's Price/Median PS Value is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. MSFG: 1.00 )
MSFG' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 5.02
Current: 1

0.26
5.02
Price/Graham Number 0.90
MSFG's Price/Graham Number is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. MSFG: 0.90 )
MSFG' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 2.74
Current: 0.9

0.47
2.74
Earnings Yield (Greenblatt) 6.10
MSFG's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. MSFG: 6.10 )
MSFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 10.5
Current: 6.1

1.3
10.5
Forward Rate of Return (Yacktman) 9.30
MSFG's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. MSFG: 9.30 )
MSFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.2   Max: 27.9
Current: 9.3

-7.2
27.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
MainSource Financial Group, Inc., is an Indiana corporation and bank holding company. Through the Bank, the Company offers various 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 primarily 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 largest 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. It is subject to extensive state and federal regulation, supervision and legislation that govern almost all aspects of its operations, as well as any acquisitions it may propose to make.
» More Articles for MSFG

Headlines

Articles On GuruFocus.com
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 
MainSource Financial Group Inc (MSFG) Chairman Robert E Hoptry buys 1,500 Shares Nov 03 2009 

More From Other Websites
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 21 2014
MainSource Financial Group — NASDAQ, MSFG — Announces Second Quarter 2014 Operating Results Jul 21 2014
MainSource Bank Announced as a Top 20 Community Bank Leader in Social Media Jul 02 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 23 2014
Second Quarter Dividend Declared – MainSource Financial Group – NASDAQ, MSFG May 23 2014
MAINSOURCE FINANCIAL GROUP Financials May 16 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 10-Q, Quarterly Report May 09 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 06 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 30 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 28 2014
MainSource Financial Group — NASDAQ, MSFG — Announces First Quarter 2014 Operating Results Apr 28 2014
Q1 2014 MainSource Financial Group Inc Earnings Release - After Market Close Apr 28 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Change in Directors or Principal Officers Apr 10 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Apr 07 2014
MainSource Financial Group to Expand the Cincinnati, Ohio Market with the Acquisition of MBT Bancorp Apr 07 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 10-K, Annual Report Mar 14 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Change in Directors or Principal Officers Feb 07 2014
MainSource Financial Group Announces Fourth Quarter and Full Year 2013 Operating Results and... Jan 29 2014
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 29 2014
MainSource Financial Group — NASDAQ, MSFG — Announces Fourth Quarter and Full Year 2013... Jan 29 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

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)
Free 7-day Trial
FEEDBACK
Email Hide