MOFG

MidWestOne Financial Gr

Fundamental data last updated:March 2, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

-

Business Summary

MidWestOne Financial Group operates as a regional bank providing a range of financial services through the Nasdaq exchange. The company delivers traditional banking products and services to individuals and businesses within its regional markets.

 


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VALUATION

P/E

14.7

Market Cap ($M USD)

$1,017

Forward P/E

13.6

PEG

1.6

PRICE TO SALES

4.3

PRICE TO BOOK

1.7

EV / EBITDA

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

2.00%

Annual Payout

$0.97

Payout Ratio

29.00%

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

1.50%

Financial Health & Profitability

Earnings Per Share

$3.35

Next Year EPS Growth Estimate

$3.63

Next Year Revenue Growth Estimate

-

Return on Equity (ROE)

9.70%

FREE CASH FLOW

Operating Margin

38.40%

Debt-to-Equity

0.2

Piotroski F-Score

Altman Z-Score

Return on Invested Capital (ROIC)

Current Ratio

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Analyze MOFG on TradingView

Gainseekers Quantitative Analysis

Summary

MidWestOne Financial Group is a $1,017M regional bank trading at 14.7x earnings and 1.7x book value, reflecting a moderately valued profile within the Financial Services sector. The company generates a 9.70% return on equity with a strong 38.40% operating margin, supported by a low debt-to-equity ratio of 0.2. With EPS of $3.35 and estimated EPS of $3.63 next year, alongside a 2.00% yield and 29.00% payout ratio, the company appears positioned for steady, income-oriented performance.

AI Exposure / Tech Reliance

As a regional bank, MOFG’s operations are not heavily dependent on advanced AI technologies, though digital banking platforms and operational automation likely play a supporting role in efficiency. Its core performance is more closely tied to traditional banking operations than high-growth technology exposure.

The Bull Case

The company’s valuation at 13.6x forward earnings combined with projected EPS growth to $3.63 suggests reasonable upside potential, supported by a consensus target price of $38.33. Strong operating margins, low leverage, and an 80.30% institutional ownership base reinforce financial stability and investor confidence.

The Bear Case

A return on equity of 9.70% may be viewed as modest relative to higher-performing peers, potentially limiting valuation expansion. The stock’s PEG ratio of 1.6 and consensus rating of 2.4 suggest only moderate growth expectations, while limited visibility on near-term sales growth may temper enthusiasm.

Market Sentiment & Smart Money

Short Interest %

2.70%

Analyst Consensus

2.4

Average Analyst Price Target

$38.33

Institutional Ownership %

80.30%

1-Year Beta

Insider Buying % (6 Mo)

Distance to 52-Week High

Distance to 52-Week Low

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.