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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 0.21
MSFG's Cash to Debt is ranked higher than
54% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 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 0.12
MSFG's Equity to Asset is ranked higher than
79% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MSFG: 0.12 )
MSFG' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.12

0.06
0.13
Interest Coverage 4.27
MSFG's Interest Coverage is ranked higher than
87% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MSFG: 4.27 )
MSFG' s 10-Year Interest Coverage Range
Min: 0.3   Max: 4.27
Current: 4.27

0.3
4.27
F-Score: 6
Z-Score: 0.23
WACC vs ROIC
7.27%
5.35%
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 (%) 27.33
MSFG's Operating margin (%) is ranked higher than
70% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. MSFG: 27.33 )
MSFG' s 10-Year Operating margin (%) Range
Min: -54.89   Max: 38.14
Current: 27.33

-54.89
38.14
Net-margin (%) 21.52
MSFG's Net-margin (%) is ranked higher than
73% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. MSFG: 21.52 )
MSFG' s 10-Year Net-margin (%) Range
Min: -46.46   Max: 24.74
Current: 21.52

-46.46
24.74
ROE (%) 8.92
MSFG's ROE (%) is ranked higher than
75% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. MSFG: 8.92 )
MSFG' s 10-Year ROE (%) Range
Min: -21.58   Max: 17.41
Current: 8.92

-21.58
17.41
ROA (%) 1.02
MSFG's ROA (%) is ranked higher than
81% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MSFG: 1.02 )
MSFG' s 10-Year ROA (%) Range
Min: -2.21   Max: 1.41
Current: 1.02

-2.21
1.41
ROC (Joel Greenblatt) (%) 67.68
MSFG's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. MSFG: 67.68 )
MSFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -136.74   Max: 213.46
Current: 67.68

-136.74
213.46
Revenue Growth (3Y)(%) -2.80
MSFG's Revenue Growth (3Y)(%) is ranked higher than
62% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MSFG: -2.80 )
MSFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 12.5
Current: -2.8

0
12.5
EBITDA Growth (3Y)(%) 6.80
MSFG's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. MSFG: 6.80 )
MSFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 19.3
Current: 6.8

0
19.3
EPS Growth (3Y)(%) 10.50
MSFG's EPS Growth (3Y)(%) is ranked higher than
76% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. MSFG: 10.50 )
MSFG' s 10-Year EPS Growth (3Y)(%) Range
Min: -20.9   Max: 29.5
Current: 10.5

-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 2014

MSFG Guru Trades in Q2 2014

Jim Simons 185,521 sh (+14.61%)
Arnold Schneider 223,006 sh (-18.95%)
» More
Q3 2014

MSFG Guru Trades in Q3 2014

Jim Simons 196,310 sh (+5.82%)
Arnold Schneider 175,814 sh (-21.16%)
» More
Q4 2014

MSFG Guru Trades in Q4 2014

Jim Simons 216,210 sh (+10.14%)
Arnold Schneider 98,084 sh (-44.21%)
» More
Q1 2015

MSFG Guru Trades in Q1 2015

Jim Simons 201,510 sh (-6.80%)
Arnold Schneider 61,145 sh (-37.66%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 13.80
MSFG's P/E(ttm) is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. MSFG: 13.80 )
MSFG' s 10-Year P/E(ttm) Range
Min: 5.38   Max: 18.38
Current: 13.8

5.38
18.38
Forward P/E 11.17
MSFG's Forward P/E is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MSFG: 11.17 )
N/A
PE(NRI) 14.00
MSFG's PE(NRI) is ranked higher than
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. MSFG: 14.00 )
MSFG' s 10-Year PE(NRI) Range
Min: 5.36   Max: 18.38
Current: 14

5.36
18.38
P/B 1.20
MSFG's P/B is ranked higher than
74% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. MSFG: 1.20 )
MSFG' s 10-Year P/B Range
Min: 0.36   Max: 2.43
Current: 1.2

0.36
2.43
P/S 2.96
MSFG's P/S is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. MSFG: 2.96 )
MSFG' s 10-Year P/S Range
Min: 0.63   Max: 14.66
Current: 2.96

0.63
14.66
PFCF 13.10
MSFG's PFCF is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MSFG: 13.10 )
MSFG' s 10-Year PFCF Range
Min: 1.47   Max: 35.96
Current: 13.1

1.47
35.96
POCF 10.96
MSFG's POCF is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. MSFG: 10.96 )
MSFG' s 10-Year POCF Range
Min: 1.41   Max: 21.67
Current: 10.96

1.41
21.67
EV-to-EBIT 17.41
MSFG's EV-to-EBIT is ranked higher than
74% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. MSFG: 17.41 )
MSFG' s 10-Year EV-to-EBIT Range
Min: -18.3   Max: 139.5
Current: 17.41

-18.3
139.5
Shiller P/E 60.40
MSFG's Shiller P/E is ranked higher than
74% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MSFG: 60.40 )
MSFG' s 10-Year Shiller P/E Range
Min: 4.18   Max: 85.62
Current: 60.4

4.18
85.62
Days Sales Outstanding 74.40
MSFG's Days Sales Outstanding is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MSFG: 74.40 )
MSFG' s 10-Year Days Sales Outstanding Range
Min: 27.76   Max: 208.35
Current: 74.4

27.76
208.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.28
MSFG's Dividend Yield is ranked lower than
52% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. MSFG: 2.28 )
MSFG' s 10-Year Dividend Yield Range
Min: 0.33   Max: 10.7
Current: 2.28

0.33
10.7
Dividend Payout 0.31
MSFG's Dividend Payout is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. MSFG: 0.31 )
MSFG' s 10-Year Dividend Payout Range
Min: 0.03   Max: 4.83
Current: 0.31

0.03
4.83
Dividend growth (3y) 119.00
MSFG's Dividend growth (3y) is ranked higher than
99% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. MSFG: 119.00 )
MSFG' s 10-Year Dividend growth (3y) Range
Min: -58.9   Max: 119
Current: 119

-58.9
119
Yield on cost (5-Year) 7.98
MSFG's Yield on cost (5-Year) is ranked higher than
88% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. MSFG: 7.98 )
MSFG' s 10-Year Yield on cost (5-Year) Range
Min: 1.2   Max: 38.82
Current: 7.98

1.2
38.82
Share Buyback Rate -1.00
MSFG's Share Buyback Rate is ranked higher than
76% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. MSFG: -1.00 )
MSFG' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -16.2
Current: -1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
MSFG's Price/Tangible Book is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. MSFG: 1.50 )
MSFG' s 10-Year Price/Tangible Book Range
Min: 0.59   Max: 6.07
Current: 1.5

0.59
6.07
Price/DCF (Projected) 0.60
MSFG's Price/DCF (Projected) is ranked higher than
91% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MSFG: 0.60 )
MSFG' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 1.39
Current: 0.6

0.15
1.39
Price/Median PS Value 1.20
MSFG's Price/Median PS Value is ranked higher than
74% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MSFG: 1.20 )
MSFG' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 5.18
Current: 1.2

0.26
5.18
Price/Graham Number 1.00
MSFG's Price/Graham Number is ranked higher than
77% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MSFG: 1.00 )
MSFG' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.65
Current: 1

0.47
1.65
Earnings Yield (Greenblatt) 5.80
MSFG's Earnings Yield (Greenblatt) is ranked higher than
67% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MSFG: 5.80 )
MSFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 10.5
Current: 5.8

0.7
10.5
Forward Rate of Return (Yacktman) -8.36
MSFG's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. MSFG: -8.36 )
MSFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.2   Max: 37
Current: -8.36

-7.2
37

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» 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 Financials May 16 2015
10-Q for MainSource Financial Group, Inc. May 11 2015
MAINSOURCE FINANCIAL GROUP Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for MainSource Financial Group, Inc. May 05 2015
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 05 2015
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 30 2015
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 23 2015
MainSource Financial Group - NASDAQ, MSFG - Announces First Quarter 2015 Financial Results Apr 23 2015
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Change in Directors or Principal Officers Mar 20 2015
MAINSOURCE FINANCIAL GROUP Files SEC form 10-K, Annual Report Mar 13 2015
MainSource Bank to Purchase Branches from Old National Bank Feb 18 2015
BOK Financial & Denver Retirement Partners Collaborate - Analyst Blog Feb 03 2015
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 02 2015
MainSource Bank to Purchase Branches from Old National Bank Jan 30 2015
MainSource tops 4Q profit forecasts Jan 28 2015
MainSource tops 4Q profit forecasts Jan 28 2015
MAINSOURCE FINANCIAL GROUP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 28 2015
MainSource Financial Group — NASDAQ, MSFG —Announces Fourth Quarter and Full Year 2014 Operating... Jan 28 2015
Huntington Q4 Earnings Beat on Significant Top-Line Growth - Analyst Blog Jan 23 2015
Private Bancorp Sells Georgia Branch to Heritage Financial - Analyst Blog Jan 21 2015

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