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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.16
MSFG's Cash-to-Debt is ranked lower than
90% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 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: 0.43 Max: 2.94
Current: 0.16
0.13
2.94
Equity-to-Asset 0.12
MSFG's Equity-to-Asset is ranked higher than
67% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. MSFG: 0.12 )
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: 0.12
0.06
0.12
Debt-to-Equity 1.09
MSFG's Debt-to-Equity is ranked lower than
71% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. MSFG: 1.09 )
Ranked among companies with meaningful Debt-to-Equity only.
MSFG' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.45  Med: 0.75 Max: 1.89
Current: 1.09
0.45
1.89
Debt-to-EBITDA 7.82
MSFG's Debt-to-EBITDA is ranked lower than
64% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.24 vs. MSFG: 7.82 )
Ranked among companies with meaningful Debt-to-EBITDA only.
MSFG' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -3.99  Med: 7.07 Max: 18.09
Current: 7.82
-3.99
18.09
Interest Coverage 3.98
MSFG's Interest Coverage is ranked higher than
76% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. MSFG: 3.98 )
Ranked among companies with meaningful Interest Coverage only.
MSFG' s Interest Coverage Range Over the Past 10 Years
Min: 0.41  Med: 3.17 Max: 5.46
Current: 3.98
0.41
5.46
Beneish M-Score: -2.24
WACC vs ROIC
5.98%
5.22%
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 % 31.79
MSFG's Operating Margin % is ranked lower than
53% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.81 vs. MSFG: 31.79 )
Ranked among companies with meaningful Operating Margin % only.
MSFG' s Operating Margin % Range Over the Past 10 Years
Min: -54.89  Med: 23.8 Max: 31.79
Current: 31.79
-54.89
31.79
Net Margin % 25.19
MSFG's Net Margin % is ranked higher than
60% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.23 vs. MSFG: 25.19 )
Ranked among companies with meaningful Net Margin % only.
MSFG' s Net Margin % Range Over the Past 10 Years
Min: -46.46  Med: 19.64 Max: 25.19
Current: 25.19
-46.46
25.19
ROE % 9.96
MSFG's ROE % is ranked higher than
62% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. MSFG: 9.96 )
Ranked among companies with meaningful ROE % only.
MSFG' s ROE % Range Over the Past 10 Years
Min: -22.56  Med: 8.1 Max: 10.06
Current: 9.96
-22.56
10.06
ROA % 1.13
MSFG's ROA % is ranked higher than
68% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. MSFG: 1.13 )
Ranked among companies with meaningful ROA % only.
MSFG' s ROA % Range Over the Past 10 Years
Min: -2.21  Med: 0.96 Max: 1.13
Current: 1.13
-2.21
1.13
3-Year Revenue Growth Rate 5.30
MSFG's 3-Year Revenue Growth Rate is ranked higher than
54% of the 1453 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.40 vs. MSFG: 5.30 )
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: 3.9 Max: 30.2
Current: 5.3
-11.5
30.2
3-Year EBITDA Growth Rate 10.00
MSFG's 3-Year EBITDA Growth Rate is ranked higher than
59% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MSFG: 10.00 )
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: 0  Med: 4.55 Max: 36.4
Current: 10
0
36.4
3-Year EPS without NRI Growth Rate 11.80
MSFG's 3-Year EPS without NRI Growth Rate is ranked higher than
65% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MSFG: 11.80 )
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: 0  Med: 5.5 Max: 29.5
Current: 11.8
0
29.5
GuruFocus has detected 6 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 30-Y Financials

Financials (Next Earnings Date: 2018-04-26)


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

» Details

Guru Trades

Q1 2017

MSFG Guru Trades in Q1 2017

Jim Simons 324,400 sh (+6.92%)
» More
Q2 2017

MSFG Guru Trades in Q2 2017

Jim Simons 358,600 sh (+10.54%)
» More
Q3 2017

MSFG Guru Trades in Q3 2017

Paul Tudor Jones 72,504 sh (New)
Jim Simons 400,400 sh (+11.66%)
» More
Q4 2017

MSFG Guru Trades in Q4 2017

Jim Simons 402,500 sh (+0.52%)
Paul Tudor Jones 70,403 sh (-2.90%)
» 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    NAICS: 522110    SIC: 6022
Compare:NYSE:BANC, NAS:PFBC, NAS:HAFC, NAS:LBAI, NYSE:NBHC, NAS:CNOB, NAS:WASH, NYSE:CUBI, NAS:OPB, NAS:HFWA, NAS:BMTC, NAS:FBNC, NAS:TBK, OTCPK:FMBL, NAS:TCBK, NAS:CHCO, NYSE:CPF, NAS:EFSC, NAS:GBNK, NAS:COBZ » 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 and among others.

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 and among others.

Ratios

vs
industry
vs
history
PE Ratio 20.95
MSFG's PE Ratio is ranked lower than
71% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.27 vs. MSFG: 20.95 )
Ranked among companies with meaningful PE Ratio only.
MSFG' s PE Ratio Range Over the Past 10 Years
Min: 5.47  Med: 13.13 Max: 21.64
Current: 20.95
5.47
21.64
Forward PE Ratio 17.92
MSFG's Forward PE Ratio is ranked lower than
89% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.87 vs. MSFG: 17.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 20.95
MSFG's PE Ratio without NRI is ranked lower than
70% of the 1499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.29 vs. MSFG: 20.95 )
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: 13.13 Max: 21.64
Current: 20.95
5.47
21.64
Price-to-Owner-Earnings 19.29
MSFG's Price-to-Owner-Earnings is ranked lower than
68% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. MSFG: 19.29 )
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: 10.98 Max: 23.98
Current: 19.29
4.22
23.98
PB Ratio 1.95
MSFG's PB Ratio is ranked lower than
83% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. MSFG: 1.95 )
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: 1.95
Current: 1.95
0.36
1.95
PS Ratio 5.16
MSFG's PS Ratio is ranked lower than
75% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. MSFG: 5.16 )
Ranked among companies with meaningful PS Ratio only.
MSFG' s PS Ratio Range Over the Past 10 Years
Min: 0.62  Med: 2.55 Max: 6.66
Current: 5.16
0.62
6.66
Price-to-Free-Cash-Flow 16.36
MSFG's Price-to-Free-Cash-Flow is ranked lower than
69% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. MSFG: 16.36 )
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: 1.47  Med: 9.41 Max: 37.95
Current: 16.36
1.47
37.95
Price-to-Operating-Cash-Flow 15.30
MSFG's Price-to-Operating-Cash-Flow is ranked lower than
72% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.67 vs. MSFG: 15.30 )
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: 1.41  Med: 7.97 Max: 21.78
Current: 15.3
1.41
21.78
EV-to-EBIT 24.49
MSFG's EV-to-EBIT is ranked lower than
81% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. MSFG: 24.49 )
Ranked among companies with meaningful EV-to-EBIT only.
MSFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -18.3  Med: 17.1 Max: 39
Current: 24.49
-18.3
39
EV-to-EBITDA 20.66
MSFG's EV-to-EBITDA is ranked lower than
76% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.01 vs. MSFG: 20.66 )
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: 32.5
Current: 20.66
-27.3
32.5
EV-to-Revenue 7.78
MSFG's EV-to-Revenue is ranked lower than
80% of the 1276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.24 vs. MSFG: 7.78 )
Ranked among companies with meaningful EV-to-Revenue only.
MSFG' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.7  Med: 4.6 Max: 11.7
Current: 7.78
1.7
11.7
PEG Ratio 2.76
MSFG's PEG Ratio is ranked lower than
68% of the 845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. MSFG: 2.76 )
Ranked among companies with meaningful PEG Ratio only.
MSFG' s PEG Ratio Range Over the Past 10 Years
Min: 1.11  Med: 2.19 Max: 14.56
Current: 2.76
1.11
14.56
Shiller PE Ratio 47.19
MSFG's Shiller PE Ratio is ranked lower than
88% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. MSFG: 47.19 )
Ranked among companies with meaningful Shiller PE Ratio only.
MSFG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.44  Med: 15.36 Max: 47.27
Current: 47.19
4.44
47.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.72
MSFG's Dividend Yield % is ranked lower than
69% of the 2465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. MSFG: 1.72 )
Ranked among companies with meaningful Dividend Yield % only.
MSFG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.33  Med: 1.93 Max: 10.7
Current: 1.72
0.33
10.7
Dividend Payout Ratio 0.35
MSFG's Dividend Payout Ratio is ranked lower than
51% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. MSFG: 0.35 )
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: 0.35
0.04
0.58
3-Year Dividend Growth Rate 17.40
MSFG's 3-Year Dividend Growth Rate is ranked higher than
78% of the 836 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. MSFG: 17.40 )
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: 12.9 Max: 119
Current: 17.4
-58.9
119
Forward Dividend Yield % 1.77
MSFG's Forward Dividend Yield % is ranked lower than
74% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. MSFG: 1.77 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 11.49
MSFG's 5-Year Yield-on-Cost % is ranked higher than
92% of the 2826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.25 vs. MSFG: 11.49 )
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: 2.2  Med: 12.89 Max: 71.47
Current: 11.49
2.2
71.47
3-Year Average Share Buyback Ratio -5.70
MSFG's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 1082 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. MSFG: -5.70 )
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: -3.2 Max: 0.4
Current: -5.7
-32.9
0.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.72
MSFG's Price-to-Tangible-Book is ranked lower than
89% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. MSFG: 2.72 )
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: 1.66 Max: 3.61
Current: 2.72
0.59
3.61
Price-to-Intrinsic-Value-Projected-FCF 1.07
MSFG's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
70% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. MSFG: 1.07 )
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: 0.15  Med: 0.65 Max: 1.89
Current: 1.07
0.15
1.89
Price-to-Median-PS-Value 2.02
MSFG's Price-to-Median-PS-Value is ranked lower than
91% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MSFG: 2.02 )
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: 0.26  Med: 0.99 Max: 2.05
Current: 2.02
0.26
2.05
Price-to-Peter-Lynch-Fair-Value 2.27
MSFG's Price-to-Peter-Lynch-Fair-Value is ranked lower than
80% of the 447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. MSFG: 2.27 )
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: 0.5  Med: 1.3 Max: 2.8
Current: 2.27
0.5
2.8
Price-to-Graham-Number 1.59
MSFG's Price-to-Graham-Number is ranked lower than
85% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. MSFG: 1.59 )
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: 1.02 Max: 1.61
Current: 1.59
0.57
1.61
Earnings Yield (Greenblatt) % 4.08
MSFG's Earnings Yield (Greenblatt) % is ranked lower than
61% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.52 vs. MSFG: 4.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MSFG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -22  Med: 5.1 Max: 10.5
Current: 4.08
-22
10.5
Forward Rate of Return (Yacktman) % 14.54
MSFG's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 1023 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.40 vs. MSFG: 14.54 )
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: -0.3  Med: 15.95 Max: 37
Current: 14.54
-0.3
37

More Statistics

Revenue (TTM) (Mil) $196.23
EPS (TTM) $ 1.94
Beta0.84
Volatility21.20%
52-Week Range $31.26 - 41.07
Shares Outstanding (Mil)25.60

Analyst Estimate

Dec18
Revenue (Mil $)
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 2.62
EPS without NRI ($) 2.62
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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