MOFG
MidWestOne Financial Group, Inc.
Banks - Regional
Market Cap$1.02B
5Y Perf.+157.0%
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Stock Comparison
MOFG vs CZWI
Revenue, margins, valuation, and 5-year total return — side by side.
CZWI
Citizens Community Bancorp, Inc.
Banks - Regional
Market Cap$203M
5Y Perf.+146.8%
MOFG vs CZWI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MOFG | CZWI |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.02B | $203M |
| Revenue (TTM) | $206M | $90M |
| Net Income (TTM) | $58M | $14M |
| Gross Margin | 29.4% | 54.7% |
| Operating Margin | -40.8% | 7.0% |
| Forward P/E | 13.8x | 11.8x |
| Total Debt | $117M | $52M |
| Cash & Equiv. | $205M | $119M |
MOFG vs CZWI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MOFG
CZWI
| Stock | May 20 | Feb 26 | Return |
|---|---|---|---|
| MidWestOne Financia… (MOFG) | 100 | 257.0 | +157.0% |
| Citizens Community … (CZWI) | 100 | 246.8 | +146.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MOFG vs CZWI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CZWI leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. MidWestOne Financial Group, Inc. is the stronger pick specifically for dividend income and shareholder returns and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
MOFG
MidWestOne Financial Group, Inc.
The Banking Pick
MOFG is the clearest fit if your priority is dividends and momentum.
- 2.0% yield, 5-year raise streak, vs CZWI's 1.8%
- +77.6% vs CZWI's +45.6%
Best for: dividends and momentum
CZWI
Citizens Community Bancorp, Inc.
The Banking Pick
CZWI carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 7 yrs, beta 0.46, yield 1.8%
- Rev growth -9.4%, EPS growth 9.0%
- 157.0% 10Y total return vs MOFG's 109.8%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CZWI | -9.4% NII/revenue growth vs MOFG's -23.1% |
| Value | CZWI | Lower P/E (11.8x vs 13.8x) |
| Quality / Margins | CZWI | Efficiency ratio 0.5% vs MOFG's 0.7% (lower = leaner) |
| Stability / Safety | CZWI | Beta 0.46 vs MOFG's 1.29 |
| Dividends | MOFG | 2.0% yield, 5-year raise streak, vs CZWI's 1.8% |
| Momentum (1Y) | MOFG | +77.6% vs CZWI's +45.6% |
| Efficiency (ROA) | CZWI | Efficiency ratio 0.5% vs MOFG's 0.7% |
MOFG vs CZWI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
MOFG vs CZWI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMOFGLAGGINGCZWI
CZWICitizens Community Ba…
2leads
MOFGMidWestOne Financial …
2leads
6 Total Categories
CATEGORYLEADERvs CZWIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CZWI3/5
Valuation MetricsMultiples, price ratios, and targets
CZWI3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MOFG5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MOFG5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
CZWI leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MOFG is the larger business by revenue, generating $206M annually — 2.3x CZWI's $90M. CZWI is the more profitable business, keeping 16.0% of every revenue dollar as net income compared to MOFG's -29.3%.
| Metric | MOFGMidWestOne Financ… | CZWICitizens Communit… |
|---|---|---|
| RevenueTrailing 12 months | $206M | $90M |
| EBITDAEarnings before interest/tax | $74M | $9M |
| Net IncomeAfter-tax profit | $58M | $14M |
| Free Cash FlowCash after capex | $79M | $11M |
| Gross MarginGross profit ÷ Revenue | +29.4% | +54.7% |
| Operating MarginEBIT ÷ Revenue | -40.8% | +7.0% |
| Net MarginNet income ÷ Revenue | -29.3% | +16.0% |
| FCF MarginFCF ÷ Revenue | +29.5% | +11.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +113.6% | +63.0% |
CZWI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
CZWI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
| Metric | MOFGMidWestOne Financ… | CZWICitizens Communit… |
|---|---|---|
| Market CapShares × price | $1.0B | $203M |
| Enterprise ValueMkt cap + debt − cash | $929M | $136M |
| Trailing P/EPrice ÷ TTM EPS | -13.93x | 14.44x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.77x | 11.78x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.85x |
| EV / EBITDAEnterprise value multiple | — | 15.28x |
| Price / SalesMarket cap ÷ Revenue | 4.94x | 2.25x |
| Price / BookPrice ÷ Book value/share | 1.50x | 1.09x |
| Price / FCFMarket cap ÷ FCF | 16.74x | 19.55x |
CZWI leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
MOFG leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
MOFG delivers a 10.0% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $8 for CZWI. MOFG carries lower financial leverage with a 0.21x debt-to-equity ratio, signaling a more conservative balance sheet compared to CZWI's 0.28x. On the Piotroski fundamental quality scale (0–9), CZWI scores 6/9 vs MOFG's 4/9, reflecting solid financial health.
| Metric | MOFGMidWestOne Financ… | CZWICitizens Communit… |
|---|---|---|
| ROE (TTM)Return on equity | +10.0% | +7.8% |
| ROA (TTM)Return on assets | +0.9% | +0.8% |
| ROICReturn on invested capital | -9.4% | +2.0% |
| ROCEReturn on capital employed | -9.5% | +0.6% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 0.21x | 0.28x |
| Net DebtTotal debt minus cash | -$88M | -$67M |
| Cash & Equiv.Liquid assets | $205M | $119M |
| Total DebtShort + long-term debt | $117M | $52M |
| Interest CoverageEBIT ÷ Interest expense | 0.67x | 0.16x |
MOFG leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MOFG leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MOFG five years ago would be worth $17,220 today (with dividends reinvested), compared to $17,124 for CZWI. Over the past 12 months, MOFG leads with a +77.6% total return vs CZWI's +45.6%. The 3-year compound annual growth rate (CAGR) favors MOFG at 39.0% vs CZWI's 37.5% — a key indicator of consistent wealth creation.
| Metric | MOFGMidWestOne Financ… | CZWICitizens Communit… |
|---|---|---|
| YTD ReturnYear-to-date | +30.2% | +21.5% |
| 1-Year ReturnPast 12 months | +77.6% | +45.6% |
| 3-Year ReturnCumulative with dividends | +168.6% | +160.0% |
| 5-Year ReturnCumulative with dividends | +72.2% | +71.2% |
| 10-Year ReturnCumulative with dividends | +109.8% | +157.0% |
| CAGR (3Y)Annualised 3-year return | +39.0% | +37.5% |
MOFG leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — MOFG and CZWI each lead in 1 of 2 comparable metrics.
Risk & Volatility
CZWI is the less volatile stock with a 0.46 beta — it tends to amplify market swings less than MOFG's 1.29 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MOFG currently trades 99.2% from its 52-week high vs CZWI's 93.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MOFGMidWestOne Financ… | CZWICitizens Communit… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.29x | 0.46x |
| 52-Week HighHighest price in past year | $49.69 | $22.62 |
| 52-Week LowLowest price in past year | $26.52 | $12.83 |
| % of 52W HighCurrent price vs 52-week peak | +99.2% | +93.2% |
| RSI (14)Momentum oscillator 0–100 | 74.9 | 63.7 |
| Avg Volume (50D)Average daily shares traded | 0 | 40K |
Evenly matched — MOFG and CZWI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — MOFG and CZWI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates MOFG as "Buy" and CZWI as "Buy". For income investors, MOFG offers the higher dividend yield at 1.97% vs CZWI's 1.76%.
| Metric | MOFGMidWestOne Financ… | CZWICitizens Communit… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $31.25 | — |
| # AnalystsCovering analysts | 8 | 2 |
| Dividend YieldAnnual dividend ÷ price | +2.0% | +1.8% |
| Dividend StreakConsecutive years of raises | 5 | 7 |
| Dividend / ShareAnnual DPS | $0.97 | $0.37 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | +3.1% |
Evenly matched — MOFG and CZWI each lead in 1 of 2 comparable metrics.
Key Takeaway
CZWI leads in 2 of 6 categories (Income & Cash Flow, Valuation Metrics). MOFG leads in 2 (Profitability & Efficiency, Total Returns). 2 tied.
Best OverallMidWestOne Financial Group,… (MOFG)Leads 2 of 6 categories
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MOFG vs CZWI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MOFG or CZWI a better buy right now?
For growth investors, Citizens Community Bancorp, Inc.
(CZWI) is the stronger pick with -9. 4% revenue growth year-over-year, versus -23. 1% for MidWestOne Financial Group, Inc. (MOFG). Citizens Community Bancorp, Inc. (CZWI) offers the better valuation at 14. 4x trailing P/E (11. 8x forward), making it the more compelling value choice. Analysts rate MidWestOne Financial Group, Inc. (MOFG) a "Buy" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MOFG or CZWI?
On forward P/E, Citizens Community Bancorp, Inc.
is actually cheaper at 11. 8x.
03Which is the better long-term investment — MOFG or CZWI?
Over the past 5 years, MidWestOne Financial Group, Inc.
(MOFG) delivered a total return of +72. 2%, compared to +71. 2% for Citizens Community Bancorp, Inc. (CZWI). Over 10 years, the gap is even starker: CZWI returned +157. 0% versus MOFG's +109. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MOFG or CZWI?
By beta (market sensitivity over 5 years), Citizens Community Bancorp, Inc.
(CZWI) is the lower-risk stock at 0. 46β versus MidWestOne Financial Group, Inc. 's 1. 29β — meaning MOFG is approximately 182% more volatile than CZWI relative to the S&P 500. On balance sheet safety, MidWestOne Financial Group, Inc. (MOFG) carries a lower debt/equity ratio of 21% versus 28% for Citizens Community Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — MOFG or CZWI?
By revenue growth (latest reported year), Citizens Community Bancorp, Inc.
(CZWI) is pulling ahead at -9. 4% versus -23. 1% for MidWestOne Financial Group, Inc. (MOFG). On earnings-per-share growth, the picture is similar: Citizens Community Bancorp, Inc. grew EPS 9. 0% year-over-year, compared to -366. 2% for MidWestOne Financial Group, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MOFG or CZWI?
Citizens Community Bancorp, Inc.
(CZWI) is the more profitable company, earning 16. 0% net margin versus -29. 3% for MidWestOne Financial Group, Inc. — meaning it keeps 16. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CZWI leads at 7. 0% versus -40. 8% for MOFG. At the gross margin level — before operating expenses — CZWI leads at 54. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MOFG or CZWI more undervalued right now?
On forward earnings alone, Citizens Community Bancorp, Inc.
(CZWI) trades at 11. 8x forward P/E versus 13. 8x for MidWestOne Financial Group, Inc. — 2. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — MOFG or CZWI?
All stocks in this comparison pay dividends.
MidWestOne Financial Group, Inc. (MOFG) offers the highest yield at 2. 0%, versus 1. 8% for Citizens Community Bancorp, Inc. (CZWI).
09Is MOFG or CZWI better for a retirement portfolio?
For long-horizon retirement investors, Citizens Community Bancorp, Inc.
(CZWI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 46), 1. 8% yield, +157. 0% 10Y return). Both have compounded well over 10 years (CZWI: +157. 0%, MOFG: +109. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MOFG and CZWI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: MOFG is a small-cap quality compounder stock; CZWI is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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