MO
MidWestOne Financial Group Inc
MOFG—
MidWestOne Financial Group Inc AI Insights
Informational only. Not investment advice.Snapshot
- FCF of 78.9M TTM on 238.8M revenue = 33% FCF margin with minimal capex (3.5M), funding 29% dividend payout ratio sustainably.[Free Cash Flow]
- Goodwill of 69.8M is only 11.5% of equity (606M) vs typical bank M&A risk - tangible book of 503.9M provides solid floor.[Goodwill]
- Interest expense TTM of 112M exceeds total revenue growth rate (4.2%) - NIM compression risk in current rate environment.[Interest Expense]
Watch Triggers
- Net Margin: Falls below 20% (currently 24.5% TTM) — Would signal NIM compression accelerating; directly impacts ROE sustainability thesis.
- EPS Growth 3Y: Remains negative for another quarter — Confirms structural earnings headwind vs cyclical; invalidates 5Y growth narrative.
- Debt to Equity: Rises above 0.25 (currently 0.16) — Would indicate balance sheet stress or aggressive expansion reducing margin of safety.
Bull Case
P/B of 1.7x vs tangible book of $24.33/share creates 17% downside cushion; P/E of 12.4x below industry median 12.6x despite above-median ROE.
P/B RatioP/E RatioTangible Book Value
5Y EPS CAGR of 32.8% far exceeds industry median 8.4% - demonstrates earnings power through rate cycles despite 3Y compression.
EPS Growth 5YEPS
Bear Case
Interest expense of 112M TTM is 47% of revenue (238.8M) - highly rate-sensitive; any NIM compression directly hits bottom line.
Interest ExpenseNet Margin
3Y EPS decline of -11.2% vs industry median -0.1% signals recent earnings deterioration despite longer-term track record.
EPS Growth 3YNet Income
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
45%
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Forward Thesis
ROE of 10% sustainable as debt/equity of 0.16 leaves capacity for loan growth without dilution.
1-3ymed
- Low leverage (0.16 D/E) vs industry
- Strong FCF conversion (95% of operating CF)
- Minimal capex requirements (<2% of revenue)
ROE TTM 10% at industry medianFCF 78.9M vs OCF 82.4M TTMCapex only 3.5M TTM
Valuation Context
Caveats
Public Strategies Rankings
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MOFG Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$858.16M | — | ||
$683.89M | — | ||
12 | — | ||
$238.84M | +419.9% | — | |
$3.35 | — | ||
0% | — | ||
24.5% | +185.3% | — | |
$78.88M | +121.2% | — | |
0.10 | +23.8% | — | |
Beta 5Y (Monthly) | unknown | — |
MOFG Dividend History
72 dividends
2026
$0.242501/16/26$0.2425
2025
$0.970012/01/25$0.2425
09/02/25$0.2425
06/02/25$0.2425
03/03/25$0.2425
2024
$0.970012/02/24$0.2425
09/03/24$0.2425
06/03/24$0.2425
02/29/24$0.2425
2023
$0.970011/30/23$0.2425
08/31/23$0.2425
05/31/23$0.2425
02/28/23$0.2425
2022
$0.950011/30/22$0.2375
08/31/22$0.2375
05/31/22$0.2375
02/28/22$0.2375
2021
$0.900011/30/21$0.2250
08/31/21$0.2250
05/28/21$0.2250
02/26/21$0.2250
2020
$0.880011/30/20$0.2200
08/31/20$0.2200
05/29/20$0.2200
02/28/20$0.2200
2019
$0.810011/29/19$0.2025
08/29/19$0.2025
04/26/19$0.2025
02/27/19$0.2025
2018
$0.780011/29/18$0.1950
08/30/18$0.1950
05/31/18$0.1950
02/28/18$0.1950
2017
$0.670011/30/17$0.1700
08/30/17$0.1700
05/30/17$0.1650
02/27/17$0.1650
2016
$0.640011/29/16$0.1600
08/30/16$0.1600
05/27/16$0.1600
02/26/16$0.1600
2015
$0.600011/27/15$0.1500
08/28/15$0.1500
05/28/15$0.1500
02/25/15$0.1500
2014
$0.580011/26/14$0.1450
08/27/14$0.1450
05/28/14$0.1450
02/26/14$0.1450
2013
$0.500011/26/13$0.1250
08/29/13$0.1250
05/29/13$0.1250
02/27/13$0.1250
2012
$0.360011/28/12$0.0950
08/29/12$0.0950
05/30/12$0.0850
02/28/12$0.0850
2011
$0.220011/29/11$0.0600
08/30/11$0.0600
05/27/11$0.0500
02/25/11$0.0500
2010
$0.200011/29/10$0.0500
08/30/10$0.0500
05/27/10$0.0500
02/25/10$0.0500
2009
$0.302511/27/09$0.0500
08/28/09$0.0500
05/28/09$0.0500
02/26/09$0.1525
2008
$0.457511/26/08$0.1525
08/27/08$0.1525
05/29/08$0.1525
MOFG Stock Splits
1 stock split
08/21/061:3 split
MOFG SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/05/25 | 09/30/25 | 10-Q | |
08/06/25 | 06/30/25 | 10-Q | |
05/06/25 | 03/31/25 | 10-Q | |
03/11/25 | 12/31/24 | 10-K | |
11/07/24 | 09/30/24 | 10-Q | |
08/06/24 | 06/30/24 | 10-Q | |
05/07/24 | 03/31/24 | 10-Q | |
03/08/24 | 12/31/23 | 10-K | |
11/02/23 | 09/30/23 | 10-Q | |
08/04/23 | 06/30/23 | 10-Q | |
05/05/23 | 03/31/23 | 10-Q | |
03/13/23 | 12/31/22 | 10-K | |
11/03/22 | 09/30/22 | 10-Q | |
08/04/22 | 06/30/22 | 10-Q | |
05/05/22 | 03/31/22 | 10-Q | |
03/10/22 | 12/31/21 | 10-K | |
11/04/21 | 09/30/21 | 10-Q | |
08/05/21 | 06/30/21 | 10-Q | |
05/06/21 | 03/31/21 | 10-Q | |
03/11/21 | 12/31/20 | 10-K | |
11/05/20 | 09/30/20 | 10-Q | |
08/06/20 | 06/30/20 | 10-Q | |
05/08/20 | 03/31/20 | 10-Q | |
03/06/20 | 12/31/19 | 10-K | |
11/07/19 | 09/30/19 | 10-Q | |
08/07/19 | 06/30/19 | 10-Q | |
05/09/19 | 03/31/19 | 10-Q | |
03/08/19 | 12/31/18 | 10-K | |
11/05/18 | 09/30/18 | 10-Q | |
08/02/18 | 06/30/18 | 10-Q | |
05/03/18 | 03/31/18 | 10-Q | |
03/01/18 | 12/31/17 | 10-K | |
11/02/17 | 09/30/17 | 10-Q | |
08/03/17 | 06/30/17 | 10-Q | |
05/04/17 | 03/31/17 | 10-Q | |
03/02/17 | 12/31/16 | 10-K | |
11/03/16 | 09/30/16 | 10-Q | |
08/04/16 | 06/30/16 | 10-Q | |
05/05/16 | 03/31/16 | 10-Q | |
03/03/16 | 12/31/15 | 10-K | |
10/29/15 | 09/30/15 | 10-Q | |
08/10/15 | 06/30/15 | 10-Q | |
04/30/15 | 03/31/15 | 10-Q | |
03/05/15 | 12/31/14 | 10-K | |
10/30/14 | 09/30/14 | 10-Q | |
07/31/14 | 06/30/14 | 10-Q | |
05/01/14 | 03/31/14 | 10-Q | |
03/06/14 | 12/31/13 | 10-K | |
10/31/13 | 09/30/13 | 10-Q | |
08/01/13 | 06/30/13 | 10-Q | |
05/07/13 | 03/31/13 | 10-Q | |
03/07/13 | 12/31/12 | 10-K | |
11/02/12 | 09/30/12 | 10-Q | |
08/03/12 | 06/30/12 | 10-Q | |
05/03/12 | 03/31/12 | 10-Q | |
03/09/12 | 12/31/11 | 10-K | |
11/03/11 | 09/30/11 | 10-Q | |
08/04/11 | 06/30/11 | 10-Q | |
05/05/11 | 03/31/11 | 10-Q | |
03/04/11 | 12/31/10 | 10-K | |
11/03/10 | 09/30/10 | 10-Q | |
08/04/10 | 06/30/10 | 10-Q | |
05/05/10 | 03/31/10 | 10-Q | |
03/08/10 | 12/31/09 | 10-K | |
11/06/09 | 09/30/09 | 10-Q | |
08/07/09 | 06/30/09 | 10-Q | |
05/08/09 | 03/30/09 | 10-Q | |
03/16/09 | 12/31/08 | 10-K | |
11/14/08 | 09/30/08 | 10-Q | |
08/14/08 | 06/30/08 | 10-Q | |
05/15/08 | 03/30/08 | Unknown | -- |
03/16/09 | 12/31/07 | NT 10-K | |
09/30/07 | 09/30/07 | Unknown | -- |
06/30/07 | 06/30/07 | Unknown | -- |
03/31/07 | 03/30/07 | Unknown | -- |
12/31/06 | 12/31/06 | Unknown | -- |
09/30/06 | 09/30/06 | Unknown | -- |
06/30/06 | 06/30/06 | Unknown | -- |
03/31/06 | 03/30/06 | Unknown | -- |
12/31/05 | 12/31/05 | Unknown | -- |
09/30/05 | 09/30/05 | Unknown | -- |
06/30/05 | 06/30/05 | Unknown | -- |
03/31/05 | 03/30/05 | Unknown | -- |
12/31/04 | 12/31/04 | Unknown | -- |
09/30/04 | 09/30/04 | Unknown | -- |
06/30/04 | 06/30/04 | Unknown | -- |
03/31/04 | 03/30/04 | Unknown | -- |
12/31/03 | 12/31/03 | Unknown | -- |
09/30/03 | 09/30/03 | Unknown | -- |
06/30/03 | 06/30/03 | Unknown | -- |
03/31/03 | 03/30/03 | Unknown | -- |
12/31/02 | 12/31/02 | Unknown | -- |
09/30/02 | 09/30/02 | Unknown | -- |
06/30/02 | 06/30/02 | Unknown | -- |
03/31/02 | 03/30/02 | Unknown | -- |
12/31/01 | 12/31/01 | Unknown | -- |
09/30/01 | 09/30/01 | Unknown | -- |
06/30/01 | 06/30/01 | Unknown | -- |
03/31/01 | 03/30/01 | Unknown | -- |
12/31/00 | 12/31/00 | Unknown | -- |
09/30/00 | 09/30/00 | Unknown | -- |
06/30/00 | 06/30/00 | Unknown | -- |
03/31/00 | 03/30/00 | Unknown | -- |