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Earnings transcript
Read the complete earnings call transcript.
MOFG
MidWestOne Financial Group, Inc.
$49.31
1.13
(2.35%)
| Exchange: | NASDAQ |
| Market Cap: | 1.017B |
| Shares Outstanding: | 2.828M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Charles N. Reeves | |||||
| Full Time Employees: | 757 | |||||
| Address: |
| |||||
| Website: | https://www.midwestonefinancial.com |
MidWestOne 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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Revenue | 244,278 | 268,036 | 206,027 |
| Gross Profit | 209,385 | 156,746 | 60,508 |
| EBITDA | 86,759 | 37,405 | -76,291 |
| Operating Income | 76,597 | 24,833 | -83,988 |
| Net Income | 60,835 | 20,859 | -60,289 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Total Assets | 6,577,876 | 6,427,540 | 6,236,329 |
| Total Liabilities | 6,085,083 | 5,903,162 | 5,676,633 |
| Total Stockholders Equity | 492,793 | 524,378 | 559,696 |
| Total Debt | 531,083 | 138,560 | 116,562 |
| Cash and Cash Equivalents | 86,435 | 81,727 | 204,895 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Operating Cash Flow | 90,328 | 62,570 | 63,184 |
| Capital Expenditure | -2,663 | -4,055 | -2,404 |
| Free Cash Flow | 87,665 | 58,515 | 60,780 |
| Net Income | 60,835 | 20,859 | -60,289 |
| Net Change in Cash | -117,395 | -4,708 | 123,168 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 273,979 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 273,979 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 273,979 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 33,959.786 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 33,959.786 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 33,959.786 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 65,565.503 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 65,565.503 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 65,565.503 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 96,132.439 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 96,132.439 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 96,132.439 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.850 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: MidWestOne Financial Group reported a net income of $14 million in Q2 2025, reflecting strong profitability as highlighted in the earnings call transcript. Key metrics such as return on equity (ROE TTM) and net profit margin (TTM) indicate efficient capital utilization and operational performance relative to industry peers in the banking sector.
- Stable Cash Flow Generation: The cash flow statements show consistent net cash provided by operating activities, alongside positive free cash flow (TTM), demonstrating the company’s ability to generate liquidity for dividends and reinvestment, as supported by the free cash flow yield (TTM).
- Dividend Consistency: With a competitive dividend yield (TTM) and a history of net dividends paid as per cash flow statements, MOFG offers an attractive income stream for investors, aligning with wealth-building goals.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates MOFG intrinsic value between $38.54 – $52.52 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about MOFG valuation
Is MidWestOne Financial Group, Inc. (MOFG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for MidWestOne Financial Group, Inc. (MOFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is MOFG a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MOFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is MOFG’s P/E ratio?
You can see MOFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for MOFG?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is MOFG a good long-term investment?
Whether MOFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
MOFG
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
2.35
Trading Metrics:
| Open: | 49.31 | Previous Close: | 49.31 | |
| Day Low: | 49.31 | Day High: | 49.31 | |
| Year Low: | 24.62 | Year High: | 49.69 | |
| Price Avg 50: | 42.7 | Price Avg 200: | 33.66 | |
| Volume: | 577261 | Average Volume: | 220396 |
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Login — it's freeMOFG full analysis
Welcome to MARKETSNAP’s SWOT analysis for MidWestOne Financial Group, or MOFG as it’s known on the ticker. If you’re not familiar with this name, let me give you the quick rundown before we dive into the meat of things. MidWestOne Financial Group is a regional bank holding company operating primarily in the financial services sector, with a focus on banking and wealth management services. They’re rooted in the Midwest, serving communities with a mix of personal and commercial banking solutions.…
