Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
MidWestOne Financial Group, Inc.'s quarterly P/E stands at 8.6x.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -13.93 | 8.63 | 14.98 | 10.14 | 9.33 | — | 5.62 | 27.90 | 39.57 | 8.76 | 11.13 | 67.83 | 7.78 |
| — | — | +166.5% | -63.7% | -76.4% | — | -49.5% | -58.9% | +408.5% | +50.3% | +19.8% | +621.4% | -12.5% | |
| P/S Ratio | 4.94 | 1.64 | 1.71 | 1.82 | 1.70 | — | 0.94 | 1.17 | 1.53 | 1.09 | 1.20 | 1.73 | 1.84 |
| — | — | +81.8% | +56.0% | +11.3% | — | -21.3% | -32.7% | -16.8% | -32.8% | -41.4% | -28.7% | -20.8% | |
| P/B Ratio | 1.50 | 0.97 | 1.02 | 1.07 | 1.08 | 0.80 | 0.65 | 0.70 | 0.81 | 0.63 | 0.67 | 0.77 | 1.01 |
| — | +20.8% | +55.8% | +52.1% | +34.2% | +26.6% | -2.3% | -8.5% | -20.0% | -30.1% | -29.9% | -25.8% | +4.7% | |
| P/FCF | 16.74 | 8.75 | 6.30 | 18.67 | 5.05 | — | 3.61 | 10.19 | 21.37 | 5.71 | 3.74 | 5.57 | 7.19 |
| — | — | +74.8% | +83.2% | -76.4% | — | -3.7% | +82.9% | +197.2% | +47.3% | -43.6% | +8.1% | +260.4% | |
| EV / EBITDA | — | 4.77 | 10.78 | 6.06 | 6.32 | — | 4.00 | 14.27 | 21.19 | 8.90 | 9.06 | 31.91 | 10.65 |
| — | — | +169.8% | -57.5% | -70.2% | — | -55.9% | -55.3% | +99.0% | +10.1% | -2.1% | +223.5% | +35.9% | |
| EV / EBIT | — | 4.79 | 10.79 | 6.12 | 6.14 | — | 4.53 | 24.37 | 47.66 | 11.42 | 12.33 | 83.79 | 12.09 |
| — | — | +138.3% | -74.9% | -87.1% | — | -63.3% | -70.9% | +294.1% | +30.5% | +12.1% | +643.5% | +43.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
MidWestOne Financial Group, Inc.'s operating margin was 24.1% in Q3 2025, up 9.8 pp QoQ and down 205.6 pp YoY. The trailing four-quarter average of 21.3% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin contracted 60.2% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.4% | 66.3% | 55.1% | 65.8% | 65.6% | 166.5% | 60.0% | 50.2% | 50.0% | 58.4% | 62.9% | 63.5% | 79.7% |
| — | -60.2% | -8.2% | +31.2% | +31.2% | +185.1% | -4.6% | -21.0% | -37.2% | -33.2% | -26.4% | -30.6% | -11.7% | |
| Operating Margin | -40.8% | 24.1% | 14.3% | 23.1% | 23.7% | 229.7% | 22.1% | 5.3% | 3.6% | 15.4% | 13.1% | 3.2% | 28.8% |
| — | -89.5% | -35.2% | +333.0% | +550.6% | +1387.1% | +68.7% | +65.7% | -87.4% | -55.8% | -55.2% | -90.1% | -16.9% | |
| Net Margin | -29.3% | 19.1% | 11.4% | 17.8% | 18.3% | 168.8% | 16.8% | 4.1% | 3.9% | 12.4% | 10.8% | 2.5% | 23.6% |
| — | -88.7% | -32.1% | +332.6% | +364.9% | +1256.6% | +54.8% | +63.1% | -83.3% | -55.2% | -51.0% | -90.3% | -9.2% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -11.1% | 2.8% | 1.7% | 2.7% | 2.9% | -17.3% | 3.0% | 0.6% | 0.5% | 1.8% | 1.5% | 0.3% | 3.3% |
| — | +116.4% | -42.2% | +327.8% | +449.0% | -1053.8% | +94.8% | +120.9% | -84.0% | -52.4% | -40.4% | -89.6% | +23.0% | |
| ROA | -1.0% | 0.3% | 0.2% | 0.2% | 0.3% | -1.5% | 0.2% | 0.0% | 0.0% | 0.1% | 0.1% | 0.0% | 0.2% |
| — | +118.8% | -32.3% | +388.7% | +503.8% | -1135.8% | +102.0% | +130.7% | -82.7% | -50.3% | -42.3% | -90.7% | +2.2% | |
| ROIC | -9.4% | 2.3% | 1.4% | 2.1% | 2.3% | -14.5% | 2.3% | 0.5% | 0.3% | 1.1% | 0.9% | 0.1% | 1.5% |
| — | +115.9% | -42.3% | +350.8% | +787.9% | -1411.5% | +162.9% | +222.8% | -82.5% | -43.5% | -40.7% | -90.4% | -8.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
MidWestOne Financial Group, Inc.'s Debt/EBITDA ratio is 4.5x, down from 8.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 21.7% YoY to 0.27x, tightening the short-term liquidity position. Debt/Equity has declined for 7 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.16 | 0.19 | 0.19 | 0.21 | 0.21 | 0.23 | 0.27 | 0.26 | 0.54 | 0.52 | 0.56 | 1.08 |
| — | -24.7% | -16.8% | -26.6% | -21.2% | -60.3% | -56.3% | -52.9% | -75.5% | -44.3% | -27.4% | -11.5% | +69.1% | |
| Debt / EBITDA | — | 4.53 | 8.93 | 5.71 | 5.67 | — | 5.27 | 19.40 | 24.42 | 18.79 | 21.01 | 60.39 | 23.98 |
| — | — | +69.5% | -70.6% | -76.8% | — | -74.9% | -67.9% | +1.8% | +2.2% | +18.1% | +272.5% | +46.1% | |
| Current Ratio | 0.29 | 0.27 | 0.27 | 0.29 | 0.29 | 0.35 | 0.17 | 0.17 | — | 0.18 | 0.19 | 0.18 | 0.22 |
| — | -21.7% | +60.1% | +75.2% | — | +94.9% | -13.6% | -10.4% | — | -18.5% | -17.8% | -20.8% | -54.3% | |
| Quick Ratio | 0.29 | 0.27 | 0.27 | 0.29 | 0.29 | 0.35 | 0.17 | 0.17 | — | 0.18 | 0.19 | 0.18 | 0.22 |
| — | -21.7% | +60.1% | +75.2% | — | +94.9% | -13.6% | -10.4% | — | -18.5% | -17.8% | -20.8% | -54.3% | |
| Interest Coverage | -0.61 | 0.77 | 0.46 | 0.72 | 0.72 | -3.60 | 0.57 | 0.12 | 0.08 | 0.39 | 0.38 | 0.09 | 1.48 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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Quick answers to the most common questions about buying MOFG stock.
MidWestOne Financial Group, Inc.'s current P/E is -13.9x. The average P/E over the last 4 quarters is 10.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
MidWestOne Financial Group, Inc.'s current operating margin is -40.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking MidWestOne Financial Group, Inc.'s business trajectory between earnings reports.