MidWestOne Financial Group, Inc. (MOFG) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

MidWestOne Financial Group, Inc.

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Why is MidWestOne Financial Group, Inc. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

PRE-TAX PROFIT(Q) At USD 12.57 MM has Grown at 173.3%
NET PROFIT(Q) At USD 9.98 MM has Grown at 182.45%
NII(Q) Highest at USD 49.98 MM

High Institutional Holdings at 86.9%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.82% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to MidWestOne Financial Group, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is MidWestOne Financial Group, Inc. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

MidWestOne Financial Group, Inc.

24.45%

1.92

49.95%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.93%

EBIT Growth (5y)

-225.06%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

86.90%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

1.08

EV to EBIT

-5.55

EV to EBITDA

-6.47

EV to Capital Employed

1.11

EV to Sales

1.48

PEG Ratio

Dividend Yield

1.86%

ROCE (Latest)

-19.99%

ROE (Latest)

-8.35%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company

PRE-TAX PROFIT(Q)

At USD 12.57 MM has Grown at 173.3%

NET PROFIT(Q)

At USD 9.98 MM has Grown at 182.45%

NII(Q)

Highest at USD 49.98 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 50.65%

CASH AND EQV(HY)

Highest at USD 147.24 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 81.12%

-2What is not working for the Company

GROSS NPA (%)

Here's what is working for MidWestOne Financial Group, Inc.

Pre-Tax Profit

At USD 12.57 MM has Grown at 173.3%

over average net sales of the previous four periods of USD -17.15 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 9.98 MM has Grown at 182.45%

over average net sales of the previous four periods of USD -12.11 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 49.98 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Cash and Eqv

Highest at USD 147.24 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 81.12%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Highest at 50.65%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 11.88%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for MidWestOne Financial Group, Inc.

Non Performing Loans (%)

Highest at 0.85%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)