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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 0.18
MSFG's Cash to Debt is ranked lower than
87% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. MSFG: 0.18 )
Ranked among companies with meaningful Cash to Debt only.
MSFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.33 Max: 8.78
Current: 0.18
0.13
8.78
Equity to Asset 0.11
MSFG's Equity to Asset is ranked higher than
60% of the 1593 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: 0.1 Max: 0.13
Current: 0.11
0.06
0.13
Interest Coverage 4.62
MSFG's Interest Coverage is ranked higher than
78% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. MSFG: 4.62 )
Ranked among companies with meaningful Interest Coverage only.
MSFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.41  Med: 1.27 Max: 5.46
Current: 4.62
0.41
5.46
F-Score: 2
M-Score: -2.99
WACC vs ROIC
5.22%
4.96%
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 (%) 27.05
MSFG's Operating margin (%) is ranked lower than
60% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. MSFG: 27.05 )
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: 32.69
Current: 27.05
-54.89
32.69
Net-margin (%) 20.92
MSFG's Net-margin (%) is ranked lower than
56% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. MSFG: 20.92 )
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: 24.36
Current: 20.92
-46.46
24.36
ROE (%) 8.38
MSFG's ROE (%) is ranked higher than
50% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. MSFG: 8.38 )
Ranked among companies with meaningful ROE (%) only.
MSFG' s ROE (%) Range Over the Past 10 Years
Min: -22.56  Med: 8.1 Max: 10.74
Current: 8.38
-22.56
10.74
ROA (%) 0.95
MSFG's ROA (%) is ranked higher than
55% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. MSFG: 0.95 )
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: 0.95
-2.21
1.09
Revenue Growth (3Y)(%) 0.90
MSFG's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. MSFG: 0.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MSFG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.8  Med: 5.4 Max: 11.7
Current: 0.9
-2.8
11.7
EBITDA Growth (3Y)(%) 6.40
MSFG's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. MSFG: 6.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MSFG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.6  Med: 5.4 Max: 19.1
Current: 6.4
-14.6
19.1
EPS Growth (3Y)(%) 7.60
MSFG's EPS Growth (3Y)(%) is ranked higher than
51% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MSFG: 7.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MSFG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.9  Med: 3.4 Max: 29.5
Current: 7.6
-20.9
29.5
» MSFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2015

MSFG Guru Trades in Q3 2015

Jim Simons 262,000 sh (+15.88%)
Arnold Schneider 50,608 sh (-9.17%)
» More
Q4 2015

MSFG Guru Trades in Q4 2015

Jim Simons 285,900 sh (+9.12%)
Arnold Schneider Sold Out
» More
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
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:HFWA, NAS:GABC, NAS:CNOB, NAS:BMTC, NAS:COBZ, NAS:GSBC, NAS:BDGE, NAS:FLIC, NAS:UVSP, NAS:THFF, NAS:EFSC, NAS:TCBK, NAS:LBAI, NYSE:OFG, NAS:SBCF, OTCPK:FMCB, NAS:CAC, NAS:CACB, NAS:CTBI, NAS:LION » details
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
P/E(ttm) 15.56
MSFG's P/E(ttm) is ranked lower than
60% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. MSFG: 15.56 )
Ranked among companies with meaningful P/E(ttm) only.
MSFG' s P/E(ttm) Range Over the Past 10 Years
Min: 5.47  Med: 12.93 Max: 18.38
Current: 15.56
5.47
18.38
PE(NRI) 15.56
MSFG's PE(NRI) is ranked lower than
60% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. MSFG: 15.56 )
Ranked among companies with meaningful PE(NRI) only.
MSFG' s PE(NRI) Range Over the Past 10 Years
Min: 5.47  Med: 12.95 Max: 18.38
Current: 15.56
5.47
18.38
Price/Owner Earnings (ttm) 17.99
MSFG's Price/Owner Earnings (ttm) is ranked lower than
71% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. MSFG: 17.99 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MSFG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.22  Med: 10.6 Max: 19.23
Current: 17.99
4.22
19.23
P/B 1.10
MSFG's P/B is ranked lower than
53% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. MSFG: 1.10 )
Ranked among companies with meaningful P/B only.
MSFG' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 1.06 Max: 1.63
Current: 1.1
0.36
1.63
P/S 3.28
MSFG's P/S is ranked lower than
55% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. MSFG: 3.28 )
Ranked among companies with meaningful P/S only.
MSFG' s P/S Range Over the Past 10 Years
Min: 0.66  Med: 2.56 Max: 13.76
Current: 3.28
0.66
13.76
PFCF 38.19
MSFG's PFCF is ranked lower than
92% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. MSFG: 38.19 )
Ranked among companies with meaningful PFCF only.
MSFG' s PFCF Range Over the Past 10 Years
Min: 1.51  Med: 7.64 Max: 38.19
Current: 38.19
1.51
38.19
POCF 19.02
MSFG's POCF is ranked lower than
85% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. MSFG: 19.02 )
Ranked among companies with meaningful POCF only.
MSFG' s POCF Range Over the Past 10 Years
Min: 1.46  Med: 6.83 Max: 21.81
Current: 19.02
1.46
21.81
EV-to-EBIT 21.16
MSFG's EV-to-EBIT is ranked lower than
75% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. MSFG: 21.16 )
Ranked among companies with meaningful EV-to-EBIT only.
MSFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -18.3  Med: 16.7 Max: 139.3
Current: 21.16
-18.3
139.3
EV-to-EBITDA 17.27
MSFG's EV-to-EBITDA is ranked lower than
69% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. MSFG: 17.27 )
Ranked among companies with meaningful EV-to-EBITDA only.
MSFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -27.3  Med: 13.5 Max: 97.8
Current: 17.27
-27.3
97.8
PEG 1.16
MSFG's PEG is ranked lower than
51% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. MSFG: 1.16 )
Ranked among companies with meaningful PEG only.
MSFG' s PEG Range Over the Past 10 Years
Min: 1.1  Med: 1.99 Max: 14.56
Current: 1.16
1.1
14.56
Shiller P/E 30.55
MSFG's Shiller P/E is ranked lower than
83% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. MSFG: 30.55 )
Ranked among companies with meaningful Shiller P/E only.
MSFG' s Shiller P/E Range Over the Past 10 Years
Min: 4.48  Med: 14.36 Max: 31.3
Current: 30.55
4.48
31.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
MSFG's Dividend Yield is ranked lower than
58% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. MSFG: 2.50 )
Ranked among companies with meaningful Dividend Yield only.
MSFG' s Dividend Yield Range Over the Past 10 Years
Min: 0.33  Med: 2.33 Max: 10.7
Current: 2.5
0.33
10.7
Dividend Payout 0.39
MSFG's Dividend Payout is ranked lower than
59% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MSFG: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
MSFG' s Dividend Payout Range Over the Past 10 Years
Min: 0.03  Med: 0.34 Max: 4.83
Current: 0.39
0.03
4.83
Dividend Growth (3y) 89.00
MSFG's Dividend Growth (3y) is ranked higher than
97% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. MSFG: 89.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MSFG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -58.9  Med: 8.4 Max: 119
Current: 89
-58.9
119
Forward Dividend Yield 2.61
MSFG's Forward Dividend Yield is ranked lower than
61% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. MSFG: 2.61 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 52.58
MSFG's Yield on cost (5-Year) is ranked higher than
99% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. MSFG: 52.58 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MSFG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 6.94  Med: 49.01 Max: 225.06
Current: 52.58
6.94
225.06
3-Year Average Share Buyback Ratio -2.10
MSFG's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MSFG: -2.10 )
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: 0.4
Current: -2.1
-32.9
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.46
MSFG's Price/Tangible Book is ranked lower than
67% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. MSFG: 1.46 )
Ranked among companies with meaningful Price/Tangible Book only.
MSFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.59  Med: 1.73 Max: 3.75
Current: 1.46
0.59
3.75
Price/Projected FCF 0.72
MSFG's Price/Projected FCF is ranked lower than
54% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. MSFG: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
MSFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.18  Med: 0.66 Max: 1.39
Current: 0.72
0.18
1.39
Price/Median PS Value 1.28
MSFG's Price/Median PS Value is ranked lower than
76% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. MSFG: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
MSFG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.27  Med: 1.03 Max: 5.01
Current: 1.28
0.27
5.01
Price/Peter Lynch Fair Value 2.03
MSFG's Price/Peter Lynch Fair Value is ranked lower than
84% of the 389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. MSFG: 2.03 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MSFG' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.38  Med: 1.47 Max: 2.57
Current: 2.03
0.38
2.57
Price/Graham Number 1.00
MSFG's Price/Graham Number is ranked lower than
63% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. MSFG: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
MSFG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.57  Med: 1.04 Max: 1.65
Current: 1
0.57
1.65
Earnings Yield (Greenblatt) (%) 4.73
MSFG's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. MSFG: 4.73 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MSFG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 5.8 Max: 10.5
Current: 4.73
0.7
10.5
Forward Rate of Return (Yacktman) (%) 15.54
MSFG's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. MSFG: 15.54 )
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: 16.4 Max: 37
Current: 15.54
-1
37

More Statistics

Revenue (TTM) (Mil) $158.2
EPS (TTM) $ 1.50
Beta0.72
Short Percentage of Float1.76%
52-Week Range $19.46 - 24.05
Shares Outstanding (Mil)24.01

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.79 1.99
EPS w/o NRI ($) 1.79 1.99
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.52 0.64
» 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
ETF’s with exposure to MainSource Financial Group, Inc. : August 23, 2016 Aug 23 2016
MainSource Financial Group, Inc. breached its 50 day moving average in a Bearish Manner : MSFG-US :... Aug 22 2016
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 19 2016
MainSource Financial Group (NASDAQ, MSFG) Third Quarter Dividend Declared Aug 19 2016
MAINSOURCE FINANCIAL GROUP Financials Aug 17 2016
MainSource Financial Group, Inc. :MSFG-US: Earnings Analysis: Q2, 2016 By the Numbers : August 10,... Aug 10 2016
MAINSOURCE FINANCIAL GROUP Files SEC form 10-Q, Quarterly Report Aug 08 2016
MainSource Financial Group, Inc. breached its 50 day moving average in a Bearish Manner : MSFG-US :... Aug 01 2016
Here's why MainSource's net income dropped in the second quarter Aug 01 2016
MainSource posts 2Q profit Jul 27 2016
MainSource posts 2Q profit Jul 27 2016
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 27 2016
MainSource Financial Group - NASDAQ, MSFG - Announces Second Quarter 2016 Financial Results Jul 27 2016
MainSource Financial Group, Inc. breached its 50 day moving average in a Bearish Manner : MSFG-US :... Jul 04 2016
MainSource Financial Group, Inc. breached its 50 day moving average in a Bullish Manner : MSFG-US :... Jun 24 2016
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 27 2016
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Change in Directors or Principal Officers, Other... May 23 2016
MainSource Financial Group Expands Presence in Cincinnati; Completes its Acquisition Of Cheviot... May 23 2016
MainSource Financial Group - NASDAQ, MSFG Second Quarter Dividend Declared May 22 2016
ETF’s with exposure to MainSource Financial Group, Inc. : May 18, 2016 May 17 2016

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