MidWestOne Financial Group, Inc. (MOFG) 10-Year Financial Performance & Capital Metrics

MOFG • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

AboutMidWestOne Financial Group, Inc. operates as the bank holding company for MidWestOne Bank that provides commercial and retail banking products and services to individuals, businesses, governmental units, and institutional customers. It offers deposit products, such as noninterest bearing and interest-bearing demand deposit accounts, interest checking accounts, savings accounts, money market accounts, certificates of deposit, and time deposits. The company also provides commercial and industrial, commercial and residential real estate, agricultural, and credit card loans, as well as consumer loans, such as secured and unsecured personal, and automobile loans. In addition, it offers various trust and investment services, including administering estates, personal trusts, and conservatorships, as well as property management, farm management, investment advisory, retail securities brokerage, and financial planning and custodial services, as well as investment-related services, including securities trading, mutual funds sales, fixed and variable annuities, tax-exempted, and conventional unit trusts. Further, the company provides other products and services comprising treasury management, debit cards, automated teller machines, online and mobile banking, and safe deposit boxes. It offers its products and services primarily through a network of 56 banking offices located in central and eastern Iowa, the Minneapolis/St. Paul metropolitan area of Minnesota, southwestern Wisconsin, southwestern Florida, and Denver, Colorado. MidWestOne Financial Group, Inc. was incorporated in 1983 and is headquartered in Iowa City, Iowa.Show more

Net Interest Income $158M +9.3%
Total Revenue $206M -23.1%
Net Income -$60M -389.0%
Return on Equity -11.12% -371.2%
Net Interest Margin 2.53% +12.6%
Efficiency Ratio 70.13% +42.5%
ROA -0.95% -396.8%
Equity / Assets 8.97% +10.0%
Book Value per Share 32.87 -1.4%
Tangible BV/Share 26.58 -1.5%
Debt/Equity 0.21 -21.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Healthy dividend yield of 2.3%
✓Trading near 52-week high
✓Trading at only 1.3x book value

✗Weaknesses

✗Weak 3Y average ROE of 1.6%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y9.96%

5Y-0.73%

3Y-2.05%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-275.28%

EPS CAGR

10Y-

5Y-

3Y-

TTM-307.14%

ROCE

10Y Avg5.28%

5Y Avg3.51%

3Y Avg1.33%

Latest-9.48%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	90.05M	99.61M	103.78M	105.27M	143.65M	152.96M	156.28M	166.36M	144.17M	157.54M
NII Growth %	0.64%	0.11%	0.04%	0.01%	0.36%	0.06%	0.02%	0.06%	-0.13%	0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	100.7M	112.33M	119.32M	128.82M	182.44M	184.79M	176.77M	196.76M	249.61M	294.27M
Interest Expense	10.65M	12.72M	15.14M	22.84M	38.79M	31.82M	20.48M	30.4M	105.44M	136.74M
Loan Loss Provision	5.13M	7.98M	17.33M	7.3M	7.16M	28.37M	-7.34M	4.49M	5.85M	8.78M
Non-Interest Income+	21.22M	23.43M	22.36M	22.5M	31.25M	38.62M	42.45M	47.52M	18.42M	-88.25M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	121.92M	135.76M	141.68M	151.32M	213.69M	223.41M	219.22M	244.28M	268.04M	206.03M
Revenue Growth %	0.53%	0.11%	0.04%	0.07%	0.41%	0.05%	-0.02%	0.11%	0.1%	-0.23%
Non-Interest Expense	73.2M	87.81M	80.12M	83.22M	117.53M	149.89M	116.59M	132.79M	131.91M	144.5M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	32.94M	27.25M	29.07M	37.97M	50.2M	13.32M	89.48M	76.6M	24.83M	-83.99M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.29%	-0.17%	0.07%	0.31%	0.32%	-0.73%	5.72%	-0.14%	-0.68%	-4.38%
Pretax Income+	32.94M	27.25M	29.07M	37.97M	50.2M	13.32M	89.48M	76.6M	24.83M	-83.99M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	7.82M	6.86M	10.38M	7.62M	6.57M	6.7M	19.99M	15.76M	3.97M	-23.7M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	25.12M	20.39M	18.7M	30.35M	43.63M	6.62M	69.49M	60.84M	20.86M	-60.29M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.36%	-0.19%	-0.08%	0.62%	0.44%	-0.85%	9.49%	-0.12%	-0.66%	-3.89%
Net Income (Continuing)	25.12M	20.39M	18.7M	30.35M	43.63M	6.62M	69.49M	60.84M	20.86M	-60.29M
EPS (Diluted)+	2.42	1.78	1.55	2.48	2.93	0.41	4.37	3.87	1.33	-3.54
EPS Growth %	0.11%	-0.26%	-0.13%	0.6%	0.18%	-0.86%	9.66%	-0.11%	-0.66%	-3.66%
EPS (Basic)	2.42	1.78	1.55	2.48	2.93	0.41	4.38	3.89	1.33	-3.54
Diluted Shares Outstanding	10.39M	11.46M	12.06M	12.24M	14.88M	16.11M	15.9M	15.7M	15.72M	17.03M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	46.93M	43.23M	50.29M	45.48M	73.29M	82.49M	203.83M	86.44M	81.73M	204.9M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.68B	2.79B	2.9B	2.98B	4.22B	5.15B	5.5B	6.1B	5.97B	5.61B
Investments Growth %	0.61%	0.04%	0.04%	0.03%	0.41%	0.22%	0.07%	0.11%	-0.02%	-0.06%
Long-Term Investments	2.25B	2.32B	2.46B	2.57B	3.43B	3.5B	3.22B	4.95B	5.18B	4.29B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	64.55M	64.65M	64.65M	64.65M	91.92M	62.48M	62.48M	62.48M	62.48M	69.79M
Intangible Assets	21.39M	17.12M	14.36M	12.68M	39.24M	30.38M	26.42M	43.74M	37.4M	37.25M
PP&E (Net)	76.2M	75.04M	75.97M	75.77M	95.22M	90.01M	86.33M	89.62M	88.08M	92.43M
Other Assets	69.4M	62.61M	73.84M	85.51M	113.54M	110.88M	108.44M	128.53M	123.42M	125.09M
Total Current Assets	493.36M	537.7M	519.47M	478.63M	880.11M	1.76B	2.51B	1.27B	908.18M	1.57B
Total Non-Current Assets	2.49B	2.54B	2.69B	2.81B	3.77B	3.8B	3.51B	5.31B	5.52B	4.67B
Total Assets+	2.98B	3.08B	3.21B	3.29B	4.65B	5.56B	6.03B	6.58B	6.43B	6.24B
Asset Growth %	0.66%	0.03%	0.04%	0.02%	0.41%	0.19%	0.08%	0.09%	-0.02%	-0.03%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0%	0.01%	0.01%	0%	-0.01%
Accounts Payable	1.51M	1.47M	1.43M	1.83M	0	0	0	0	0	0
Total Debt+	202.05M	274.06M	248.52M	300.15M	371.01M	439.48M	336.25M	531.08M	138.56M	116.56M
Net Debt	155.12M	230.84M	198.23M	254.67M	297.72M	356.99M	132.42M	444.65M	56.84M	-88.33M
Long-Term Debt	133.09M	156.19M	151.29M	167.39M	230.44M	207.59M	153.93M	138.42M	122.69M	112.98M
Short-Term Debt	68.96M	117.87M	97.23M	131.42M	139.35M	230.79M	181.37M	391.87M	15.26M	3.19M
Other Liabilities	16.72M	18.14M	16.7M	19.51M	44.93M	54.87M	46.89M	85.06M	368.93M	82.09M
Total Current Liabilities	2.53B	2.6B	2.7B	2.75B	3.87B	4.78B	5.3B	5.86B	5.41B	5.48B
Total Non-Current Liabilities	149.81M	174.33M	167.99M	188.23M	276.59M	263.56M	201.77M	224.27M	492.23M	195.47M
Total Liabilities	2.68B	2.77B	2.87B	2.93B	4.14B	5.04B	5.5B	6.09B	5.9B	5.68B
Total Equity+	296.18M	305.46M	340.3M	357.07M	508.98M	515.25M	527.48M	492.79M	524.38M	559.7M
Equity Growth %	0.54%	0.03%	0.11%	0.05%	0.43%	0.01%	0.02%	-0.07%	0.06%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.07%	0.06%	0.09%	0.1%	0.01%	0.13%	0.12%	0.04%	-0.11%
Book Value per Share	28.50	26.66	28.21	29.18	34.19	31.98	33.16	31.39	33.35	32.87
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	11.71M	11.71M	12.46M	12.46M	16.58M	16.58M	16.58M	16.58M	16.58M	21.58M
Additional Paid-in Capital	163.49M	163.67M	187.49M	187.81M	297.39M	300.14M	300.94M	302.08M	302.16M	414.99M
Retained Earnings	123.9M	136.97M	148.08M	168.95M	201.1M	188.19M	243.37M	289.29M	294.78M	217.78M
Accumulated OCI	3.41M	-1.13M	-2.6M	-5.66M	4.37M	24.59M	-8.87M	-89.05M	-64.9M	-72.76M
Treasury Stock	-6.33M	-5.77M	-5.12M	-6.5M	-10.47M	-14.25M	-24.55M	-26.11M	-24.25M	-21.89M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	32.71M	38.18M	40.98M	42.76M	47.31M	9.16M	111.55M	90.33M	62.57M	63.18M
Operating CF Growth %	0.41%	0.17%	0.07%	0.04%	0.11%	-0.81%	11.18%	-0.19%	-0.31%	0.01%
Net Income	25.12M	20.39M	18.7M	30.35M	43.63M	6.62M	69.49M	60.84M	20.86M	-60.29M
Depreciation & Amortization	6.55M	8.42M	8.43M	9.04M	2.75M	4.55M	1.57M	10.16M	12.57M	7.7M
Deferred Taxes	1.3M	-2.85M	744K	-676K	2.71M	-5.22M	1.77M	4.33M	-330K	-24.28M
Other Non-Cash Items	3.27M	8.12M	19.76M	7.75M	2.98M	5.5M	39.89M	13.45M	24.07M	135.8M
Working Capital Changes	-4.16M	3.38M	-7.43M	-4.73M	-5.91M	-3.67M	-3.31M	-986K	2.99M	2.35M
Cash from Investing+	5.01M	-123.58M	-148.75M	-94.44M	72.75M	-867.44M	-428.32M	-273.27M	129.73M	312.3M
Purchase of Investments	-54.61M	-228.85M	-106.87M	-68.03M	-289.74M	-1.14B	-1.14B	-387.53M	-90.94M	-848.7M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-35.6M	0	0	0	48.49M	0	0	31.38M	0	15M
Other Investing	-82.22M	-9.18M	-143.8M	-114.56M	91.09M	-20.38M	254.62M	-311.74M	-288.75M	-139.43M
Cash from Financing+	-14.03M	81.53M	115.51M	46.19M	-92.06M	867.46M	437.94M	65.55M	-197.01M	-252.32M
Dividends Paid	-6.34M	-7.32M	-8.06M	-9.54M	-11.48M	-14.18M	-14.28M	-14.87M	-15.22M	-16.51M
Share Repurchases	0	0	0	-2.13M	-4.68M	-4.62M	-11.55M	-2.73M	0	-257K
Stock Issued	7.9M	0	25.69M	0	0	0	0	0	0	118.89M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	-19.42M	65.85M	123.44M	7.66M	25.3M	816.59M	567.17M	-109.66M	-74M	-9.9M
Net Change in Cash+	23.69M	-3.87M	7.74M	-5.49M	28M	9.18M	121.17M	-117.39M	-4.71M	123.17M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	23.41M	47.1M	43.23M	50.97M	45.48M	73.48M	82.66M	203.83M	86.44M	81.73M
Cash at End	47.1M	43.23M	50.97M	45.48M	73.48M	82.66M	203.83M	86.44M	81.73M	204.9M
Interest Paid	10M	12.76M	15.19M	22.44M	34.09M	31.56M	21.45M	27.84M	97.5M	139.97M
Income Taxes Paid	7.68M	7.96M	13.2M	6.25M	7.27M	10.54M	17.98M	13.22M	3.44M	7.53M
Free Cash Flow+	17.84M	32.55M	36.08M	37.07M	45.13M	7.03M	109.54M	87.67M	58.52M	60.78M
FCF Growth %	0.63%	0.82%	0.11%	0.03%	0.22%	-0.84%	14.58%	-0.2%	-0.33%	0.04%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	10.28%	6.78%	5.79%	8.7%	10.08%	1.29%	13.33%	11.93%	4.1%	-11.12%
Return on Assets (ROA)	1.05%	0.67%	0.59%	0.93%	1.1%	0.13%	1.2%	0.97%	0.32%	-0.95%
Net Interest Margin	3.02%	3.23%	3.23%	3.2%	3.09%	2.75%	2.59%	2.53%	2.24%	2.53%
Efficiency Ratio	60.04%	64.68%	56.55%	54.99%	55%	67.09%	53.19%	54.36%	49.21%	70.13%
Equity / Assets	9.94%	9.92%	10.59%	10.85%	10.94%	9.27%	8.75%	7.49%	8.16%	8.97%
Book Value / Share	28.5	26.66	28.21	29.18	34.19	31.98	33.16	31.39	33.35	32.87
NII Growth	64.17%	10.61%	4.19%	1.43%	36.46%	6.48%	2.17%	6.45%	-13.34%	9.27%
Dividend Payout	25.26%	35.88%	43.11%	31.42%	26.3%	214.03%	20.55%	24.44%	72.95%	-

Revenue by Segment

	2024
Reportable	69.29M
Reportable Growth	-

Frequently Asked Questions

Growth & Financials

MidWestOne Financial Group, Inc. (MOFG) saw revenue decline by 23.1% over the past year.

MidWestOne Financial Group, Inc. (MOFG) reported a net loss of $54.3M for fiscal year 2024.

Dividend & Returns

Yes, MidWestOne Financial Group, Inc. (MOFG) pays a dividend with a yield of 2.29%. This makes it attractive for income-focused investors.

MidWestOne Financial Group, Inc. (MOFG) has a return on equity (ROE) of -11.1%. Negative ROE indicates the company is unprofitable.

Industry Metrics

MidWestOne Financial Group, Inc. (MOFG) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

MidWestOne Financial Group, Inc. (MOFG) has an efficiency ratio of 70.1%. This is higher than peers, suggesting room for cost optimization.

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MidWestOne Financial Group, Inc. (MOFG) 10-Year Financial Performance & Capital Metrics

MOFG • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

Net Interest Income $158M +9.3%
Total Revenue $206M -23.1%
Net Income -$60M -389.0%
Return on Equity -11.12% -371.2%
Net Interest Margin 2.53% +12.6%
Efficiency Ratio 70.13% +42.5%
ROA -0.95% -396.8%
Equity / Assets 8.97% +10.0%
Book Value per Share 32.87 -1.4%
Tangible BV/Share 26.58 -1.5%
Debt/Equity 0.21 -21.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Healthy dividend yield of 2.3%
✓Trading near 52-week high
✓Trading at only 1.3x book value

✗Weaknesses

✗Weak 3Y average ROE of 1.6%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y9.96%

5Y-0.73%

3Y-2.05%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-275.28%

EPS CAGR

10Y-

5Y-

3Y-

TTM-307.14%

ROCE

10Y Avg5.28%

5Y Avg3.51%

3Y Avg1.33%

Latest-9.48%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	90.05M	99.61M	103.78M	105.27M	143.65M	152.96M	156.28M	166.36M	144.17M	157.54M
NII Growth %	0.64%	0.11%	0.04%	0.01%	0.36%	0.06%	0.02%	0.06%	-0.13%	0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	100.7M	112.33M	119.32M	128.82M	182.44M	184.79M	176.77M	196.76M	249.61M	294.27M
Interest Expense	10.65M	12.72M	15.14M	22.84M	38.79M	31.82M	20.48M	30.4M	105.44M	136.74M
Loan Loss Provision	5.13M	7.98M	17.33M	7.3M	7.16M	28.37M	-7.34M	4.49M	5.85M	8.78M
Non-Interest Income+	21.22M	23.43M	22.36M	22.5M	31.25M	38.62M	42.45M	47.52M	18.42M	-88.25M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	121.92M	135.76M	141.68M	151.32M	213.69M	223.41M	219.22M	244.28M	268.04M	206.03M
Revenue Growth %	0.53%	0.11%	0.04%	0.07%	0.41%	0.05%	-0.02%	0.11%	0.1%	-0.23%
Non-Interest Expense	73.2M	87.81M	80.12M	83.22M	117.53M	149.89M	116.59M	132.79M	131.91M	144.5M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	32.94M	27.25M	29.07M	37.97M	50.2M	13.32M	89.48M	76.6M	24.83M	-83.99M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.29%	-0.17%	0.07%	0.31%	0.32%	-0.73%	5.72%	-0.14%	-0.68%	-4.38%
Pretax Income+	32.94M	27.25M	29.07M	37.97M	50.2M	13.32M	89.48M	76.6M	24.83M	-83.99M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	7.82M	6.86M	10.38M	7.62M	6.57M	6.7M	19.99M	15.76M	3.97M	-23.7M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	25.12M	20.39M	18.7M	30.35M	43.63M	6.62M	69.49M	60.84M	20.86M	-60.29M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.36%	-0.19%	-0.08%	0.62%	0.44%	-0.85%	9.49%	-0.12%	-0.66%	-3.89%
Net Income (Continuing)	25.12M	20.39M	18.7M	30.35M	43.63M	6.62M	69.49M	60.84M	20.86M	-60.29M
EPS (Diluted)+	2.42	1.78	1.55	2.48	2.93	0.41	4.37	3.87	1.33	-3.54
EPS Growth %	0.11%	-0.26%	-0.13%	0.6%	0.18%	-0.86%	9.66%	-0.11%	-0.66%	-3.66%
EPS (Basic)	2.42	1.78	1.55	2.48	2.93	0.41	4.38	3.89	1.33	-3.54
Diluted Shares Outstanding	10.39M	11.46M	12.06M	12.24M	14.88M	16.11M	15.9M	15.7M	15.72M	17.03M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	46.93M	43.23M	50.29M	45.48M	73.29M	82.49M	203.83M	86.44M	81.73M	204.9M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.68B	2.79B	2.9B	2.98B	4.22B	5.15B	5.5B	6.1B	5.97B	5.61B
Investments Growth %	0.61%	0.04%	0.04%	0.03%	0.41%	0.22%	0.07%	0.11%	-0.02%	-0.06%
Long-Term Investments	2.25B	2.32B	2.46B	2.57B	3.43B	3.5B	3.22B	4.95B	5.18B	4.29B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	64.55M	64.65M	64.65M	64.65M	91.92M	62.48M	62.48M	62.48M	62.48M	69.79M
Intangible Assets	21.39M	17.12M	14.36M	12.68M	39.24M	30.38M	26.42M	43.74M	37.4M	37.25M
PP&E (Net)	76.2M	75.04M	75.97M	75.77M	95.22M	90.01M	86.33M	89.62M	88.08M	92.43M
Other Assets	69.4M	62.61M	73.84M	85.51M	113.54M	110.88M	108.44M	128.53M	123.42M	125.09M
Total Current Assets	493.36M	537.7M	519.47M	478.63M	880.11M	1.76B	2.51B	1.27B	908.18M	1.57B
Total Non-Current Assets	2.49B	2.54B	2.69B	2.81B	3.77B	3.8B	3.51B	5.31B	5.52B	4.67B
Total Assets+	2.98B	3.08B	3.21B	3.29B	4.65B	5.56B	6.03B	6.58B	6.43B	6.24B
Asset Growth %	0.66%	0.03%	0.04%	0.02%	0.41%	0.19%	0.08%	0.09%	-0.02%	-0.03%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0%	0.01%	0.01%	0%	-0.01%
Accounts Payable	1.51M	1.47M	1.43M	1.83M	0	0	0	0	0	0
Total Debt+	202.05M	274.06M	248.52M	300.15M	371.01M	439.48M	336.25M	531.08M	138.56M	116.56M
Net Debt	155.12M	230.84M	198.23M	254.67M	297.72M	356.99M	132.42M	444.65M	56.84M	-88.33M
Long-Term Debt	133.09M	156.19M	151.29M	167.39M	230.44M	207.59M	153.93M	138.42M	122.69M	112.98M
Short-Term Debt	68.96M	117.87M	97.23M	131.42M	139.35M	230.79M	181.37M	391.87M	15.26M	3.19M
Other Liabilities	16.72M	18.14M	16.7M	19.51M	44.93M	54.87M	46.89M	85.06M	368.93M	82.09M
Total Current Liabilities	2.53B	2.6B	2.7B	2.75B	3.87B	4.78B	5.3B	5.86B	5.41B	5.48B
Total Non-Current Liabilities	149.81M	174.33M	167.99M	188.23M	276.59M	263.56M	201.77M	224.27M	492.23M	195.47M
Total Liabilities	2.68B	2.77B	2.87B	2.93B	4.14B	5.04B	5.5B	6.09B	5.9B	5.68B
Total Equity+	296.18M	305.46M	340.3M	357.07M	508.98M	515.25M	527.48M	492.79M	524.38M	559.7M
Equity Growth %	0.54%	0.03%	0.11%	0.05%	0.43%	0.01%	0.02%	-0.07%	0.06%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.07%	0.06%	0.09%	0.1%	0.01%	0.13%	0.12%	0.04%	-0.11%
Book Value per Share	28.50	26.66	28.21	29.18	34.19	31.98	33.16	31.39	33.35	32.87
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	11.71M	11.71M	12.46M	12.46M	16.58M	16.58M	16.58M	16.58M	16.58M	21.58M
Additional Paid-in Capital	163.49M	163.67M	187.49M	187.81M	297.39M	300.14M	300.94M	302.08M	302.16M	414.99M
Retained Earnings	123.9M	136.97M	148.08M	168.95M	201.1M	188.19M	243.37M	289.29M	294.78M	217.78M
Accumulated OCI	3.41M	-1.13M	-2.6M	-5.66M	4.37M	24.59M	-8.87M	-89.05M	-64.9M	-72.76M
Treasury Stock	-6.33M	-5.77M	-5.12M	-6.5M	-10.47M	-14.25M	-24.55M	-26.11M	-24.25M	-21.89M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	32.71M	38.18M	40.98M	42.76M	47.31M	9.16M	111.55M	90.33M	62.57M	63.18M
Operating CF Growth %	0.41%	0.17%	0.07%	0.04%	0.11%	-0.81%	11.18%	-0.19%	-0.31%	0.01%
Net Income	25.12M	20.39M	18.7M	30.35M	43.63M	6.62M	69.49M	60.84M	20.86M	-60.29M
Depreciation & Amortization	6.55M	8.42M	8.43M	9.04M	2.75M	4.55M	1.57M	10.16M	12.57M	7.7M
Deferred Taxes	1.3M	-2.85M	744K	-676K	2.71M	-5.22M	1.77M	4.33M	-330K	-24.28M
Other Non-Cash Items	3.27M	8.12M	19.76M	7.75M	2.98M	5.5M	39.89M	13.45M	24.07M	135.8M
Working Capital Changes	-4.16M	3.38M	-7.43M	-4.73M	-5.91M	-3.67M	-3.31M	-986K	2.99M	2.35M
Cash from Investing+	5.01M	-123.58M	-148.75M	-94.44M	72.75M	-867.44M	-428.32M	-273.27M	129.73M	312.3M
Purchase of Investments	-54.61M	-228.85M	-106.87M	-68.03M	-289.74M	-1.14B	-1.14B	-387.53M	-90.94M	-848.7M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-35.6M	0	0	0	48.49M	0	0	31.38M	0	15M
Other Investing	-82.22M	-9.18M	-143.8M	-114.56M	91.09M	-20.38M	254.62M	-311.74M	-288.75M	-139.43M
Cash from Financing+	-14.03M	81.53M	115.51M	46.19M	-92.06M	867.46M	437.94M	65.55M	-197.01M	-252.32M
Dividends Paid	-6.34M	-7.32M	-8.06M	-9.54M	-11.48M	-14.18M	-14.28M	-14.87M	-15.22M	-16.51M
Share Repurchases	0	0	0	-2.13M	-4.68M	-4.62M	-11.55M	-2.73M	0	-257K
Stock Issued	7.9M	0	25.69M	0	0	0	0	0	0	118.89M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	-19.42M	65.85M	123.44M	7.66M	25.3M	816.59M	567.17M	-109.66M	-74M	-9.9M
Net Change in Cash+	23.69M	-3.87M	7.74M	-5.49M	28M	9.18M	121.17M	-117.39M	-4.71M	123.17M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	23.41M	47.1M	43.23M	50.97M	45.48M	73.48M	82.66M	203.83M	86.44M	81.73M
Cash at End	47.1M	43.23M	50.97M	45.48M	73.48M	82.66M	203.83M	86.44M	81.73M	204.9M
Interest Paid	10M	12.76M	15.19M	22.44M	34.09M	31.56M	21.45M	27.84M	97.5M	139.97M
Income Taxes Paid	7.68M	7.96M	13.2M	6.25M	7.27M	10.54M	17.98M	13.22M	3.44M	7.53M
Free Cash Flow+	17.84M	32.55M	36.08M	37.07M	45.13M	7.03M	109.54M	87.67M	58.52M	60.78M
FCF Growth %	0.63%	0.82%	0.11%	0.03%	0.22%	-0.84%	14.58%	-0.2%	-0.33%	0.04%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	10.28%	6.78%	5.79%	8.7%	10.08%	1.29%	13.33%	11.93%	4.1%	-11.12%
Return on Assets (ROA)	1.05%	0.67%	0.59%	0.93%	1.1%	0.13%	1.2%	0.97%	0.32%	-0.95%
Net Interest Margin	3.02%	3.23%	3.23%	3.2%	3.09%	2.75%	2.59%	2.53%	2.24%	2.53%
Efficiency Ratio	60.04%	64.68%	56.55%	54.99%	55%	67.09%	53.19%	54.36%	49.21%	70.13%
Equity / Assets	9.94%	9.92%	10.59%	10.85%	10.94%	9.27%	8.75%	7.49%	8.16%	8.97%
Book Value / Share	28.5	26.66	28.21	29.18	34.19	31.98	33.16	31.39	33.35	32.87
NII Growth	64.17%	10.61%	4.19%	1.43%	36.46%	6.48%	2.17%	6.45%	-13.34%	9.27%
Dividend Payout	25.26%	35.88%	43.11%	31.42%	26.3%	214.03%	20.55%	24.44%	72.95%	-

Revenue by Segment

	2024
Reportable	69.29M
Reportable Growth	-

Frequently Asked Questions

Growth & Financials

MidWestOne Financial Group, Inc. (MOFG) saw revenue decline by 23.1% over the past year.

MidWestOne Financial Group, Inc. (MOFG) reported a net loss of $54.3M for fiscal year 2024.

Dividend & Returns

Yes, MidWestOne Financial Group, Inc. (MOFG) pays a dividend with a yield of 2.29%. This makes it attractive for income-focused investors.

MidWestOne Financial Group, Inc. (MOFG) has a return on equity (ROE) of -11.1%. Negative ROE indicates the company is unprofitable.

Industry Metrics

MidWestOne Financial Group, Inc. (MOFG) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

MidWestOne Financial Group, Inc. (MOFG) has an efficiency ratio of 70.1%. This is higher than peers, suggesting room for cost optimization.