MidWestOne Financial Group, Inc. (MOFG) Financial Ratios
31 years of historical data (1994–2024) · Financial Services · Banks - Regional
EV/EBITDA
↓
N/A
—
5yr avg: 18.22
30Y Low7.1·High42.0
P/FCF
↓
16.74
+2% vs avg
5yr avg: 16.38
30Y Low4.7·High56.1
P/B Ratio
↑
1.50
↑+69% vs avg
5yr avg: 0.89
30Y Low0.5·High1.4
ROE
↓
-11.1%
↑-385% vs avg
5yr avg: 3.9%
30Y Low-24%·High14%
Debt/EBITDA
↓
N/A
—
5yr avg: 9.53
30Y Low1.0·High24.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MOFG Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
MidWestOne Financial Group, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 16.7x P/FCF, roughly in line with the 5-year average of 16.4x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.0B | $496M | $423M | $499M | $515M | $395M | $539M | $304M | $404M | $431M | $316M |
| Enterprise Value | $929M | $408M | $480M | $943M | $647M | $752M | $837M | $559M | $603M | $662M | $471M |
| P/E Ratio → | -13.93 | — | 20.23 | 8.20 | 7.41 | 59.76 | 12.37 | 10.01 | 21.63 | 21.12 | 12.57 |
| P/S Ratio | 4.94 | 2.41 | 1.58 | 2.04 | 2.35 | 1.77 | 2.52 | 2.01 | 2.85 | 3.17 | 2.59 |
| P/B Ratio | 1.50 | 0.89 | 0.81 | 1.01 | 0.98 | 0.77 | 1.06 | 0.85 | 1.19 | 1.41 | 1.07 |
| P/FCF | 16.74 | 8.16 | 7.23 | 5.69 | 4.70 | 56.14 | 11.95 | 8.20 | 11.21 | 13.23 | 17.71 |
| P/OCF | 16.10 | 7.85 | 6.76 | 5.52 | 4.62 | 43.09 | 11.40 | 7.11 | 9.85 | 11.28 | 9.66 |
P/E links to full P/E history page with 30-year chart
MOFG EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.98 | 1.79 | 3.86 | 2.95 | 3.36 | 3.92 | 3.69 | 4.25 | 4.87 | 3.86 |
| EV / EBITDA | — | — | 12.83 | 10.87 | 7.11 | 42.05 | 15.81 | 11.88 | 16.07 | 18.55 | 11.93 |
| EV / EBIT | — | — | 19.33 | 12.31 | 7.23 | 56.42 | 16.67 | 14.71 | 20.66 | 24.28 | 14.29 |
| EV / FCF | — | 6.71 | 8.20 | 10.76 | 5.91 | 106.91 | 18.55 | 15.07 | 16.70 | 20.33 | 26.41 |
MOFG Profitability
Margins and return-on-capital ratios measuring operating efficiency
MidWestOne Financial Group, Inc. earns an operating margin of -40.8%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 31.4% to -40.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -11.1% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.4% | 29.4% | 58.5% | 85.7% | 94.0% | 73.1% | 78.5% | 80.1% | 77.1% | 84.7% | 87.1% |
| Operating Margin | -40.8% | -40.8% | 9.3% | 31.4% | 40.8% | 6.0% | 23.5% | 25.1% | 20.5% | 20.1% | 27.0% |
| Net Profit Margin | -29.3% | -29.3% | 7.8% | 24.9% | 31.7% | 3.0% | 20.4% | 20.1% | 13.2% | 15.0% | 20.6% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -11.1% | -11.1% | 4.1% | 11.9% | 13.3% | 1.3% | 10.1% | 8.7% | 5.8% | 6.8% | 10.3% |
| ROA | -1.0% | -1.0% | 0.3% | 1.0% | 1.2% | 0.1% | 1.1% | 0.9% | 0.6% | 0.7% | 1.1% |
| ROIC | -9.4% | -9.4% | 2.2% | 6.1% | 7.4% | 1.1% | 4.9% | 4.6% | 3.7% | 3.8% | 5.6% |
| ROCE | -9.5% | -9.5% | 2.9% | 10.6% | 11.9% | 1.7% | 7.5% | 7.2% | 5.9% | 5.9% | 8.7% |
MOFG Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $205M exceeds total debt of $117M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.21 | 0.26 | 1.08 | 0.64 | 0.85 | 0.73 | 0.84 | 0.73 | 0.90 | 0.68 |
| Debt / EBITDA | — | — | 3.70 | 6.12 | 3.69 | 24.58 | 7.01 | 6.38 | 6.63 | 7.68 | 5.12 |
| Net Debt / Equity | — | -0.16 | 0.11 | 0.90 | 0.25 | 0.69 | 0.58 | 0.71 | 0.58 | 0.76 | 0.52 |
| Net Debt / EBITDA | — | — | 1.52 | 5.13 | 1.45 | 19.97 | 5.62 | 5.42 | 5.28 | 6.47 | 3.93 |
| Debt / FCF | — | -1.45 | 0.97 | 5.07 | 1.21 | 50.77 | 6.60 | 6.87 | 5.49 | 7.09 | 8.70 |
| Interest Coverage | -0.61 | -0.61 | 0.24 | 2.52 | 4.37 | 0.42 | 1.29 | 1.66 | 1.93 | 2.14 | 3.10 |
Net cash position: cash ($205M) exceeds total debt ($117M)
MOFG Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.29x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.22x to 0.29x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.29 | 0.29 | 0.17 | 0.22 | 0.47 | 0.37 | 0.23 | 0.17 | 0.19 | 0.21 | 0.19 |
| Quick Ratio | 0.29 | 0.29 | 0.17 | 0.22 | 0.47 | 0.37 | 0.23 | 0.17 | 0.19 | 0.21 | 0.19 |
| Cash Ratio | 0.04 | 0.04 | 0.02 | 0.01 | 0.04 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
MOFG Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
MidWestOne Financial Group, Inc. returns 2.0% to shareholders annually — split between a 2.0% dividend yield and 0.0% buyback yield.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.0% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | 72.9% | 24.4% | 20.6% | 214.0% | 26.3% | 31.4% | 43.1% | 35.9% | 25.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 4.9% | 12.2% | 13.5% | 1.7% | 8.1% | 10.0% | 4.6% | 4.7% | 8.0% |
| FCF Yield | 6.0% | 12.3% | 13.8% | 17.6% | 21.3% | 1.8% | 8.4% | 12.2% | 8.9% | 7.6% | 5.6% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $17M | $16M | $16M | $16M | $16M | $15M | $12M | $12M | $11M | $10M |
Peer Comparison
Compare MOFG with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MOFGYou | $1B | -13.9 | — | 16.7 | 29.4% | -40.8% | -11.1% | -9.4% | — |
 FBIZ | $504M | 10.0 | 12.1 | 8.2 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 IROQ | $89M | 19.4 | 21.7 | 13.6 | 54.7% | 12.2% | 5.5% | 2.9% | 11.2 |
 MVBF | $357M | 13.5 | 5.2 | 168.8 | 71.7% | 13.6% | 8.4% | 7.0% | 2.1 |
 CZWI | $213M | 15.2 | 16.4 | 20.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 BANF | $4B | 15.6 | 11.3 | 15.9 | 82.9% | 36.8% | 13.8% | 12.3% | 0.4 |
 FFIN | $5B | 18.7 | 11.5 | 15.5 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 ISBA | $291M | 15.5 | 18.6 | 12.5 | 70.6% | 19.8% | 8.6% | 4.8% | 6.4 |
 CFFI | $247M | 9.1 | 10.5 | 11.1 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 HFWA | $955M | 14.3 | 11.9 | 11.1 | 72.4% | 23.2% | 7.6% | 5.2% | 0.5 |
 SBCF | $3B | 19.7 | 22.5 | 17.0 | 61.6% | 21.4% | 5.5% | 3.9% | 7.2 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 29 years · Updated daily
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MOFG — Frequently Asked Questions
Quick answers to the most common questions about buying MOFG stock.
What is MidWestOne Financial Group, Inc.'s P/E ratio?
MidWestOne Financial Group, Inc.'s current P/E ratio is -13.9x. The historical average is 16.8x.
What is MidWestOne Financial Group, Inc.'s ROE?
MidWestOne Financial Group, Inc.'s return on equity (ROE) is -11.1%. The historical average is 7.3%.
Is MOFG stock overvalued?
Based on historical data, MidWestOne Financial Group, Inc. is trading at a P/E of -13.9x. Compare with industry peers and growth rates for a complete picture.
What is MidWestOne Financial Group, Inc.'s dividend yield?
MidWestOne Financial Group, Inc.'s current dividend yield is 1.97%.
What are MidWestOne Financial Group, Inc.'s profit margins?
MidWestOne Financial Group, Inc. has 29.4% gross margin and -40.8% operating margin.