ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is MidWestOne Financial Group, Inc. ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Sep 25
- OPERATING CASH FLOW(Y) Highest at USD 219.87 MM
- ROCE(HY) Highest at 0.91%
- NII(Q) Highest at USD 51.01 MM
2
High Institutional Holdings at 88.17%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
3
Market Beating Performance
- The stock has generated a return of 51.72% in the last 1 year, much higher than market (S&P 500) returns of 17.78%
Real-Time Research ReportHow 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.
51.72%
2.74
51.54%
S&P 500
20.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.32%
EBIT Growth (5y)
12.34%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
88.17%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
1.03
EV to EBIT
-5.96
EV to EBITDA
-6.61
EV to Capital Employed
1.04
EV to Sales
1.67
PEG Ratio
NA
Dividend Yield
1.90%
ROCE (Latest)
-17.45%
ROE (Latest)
-9.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend28What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 219.87 MM
ROCE(HY)
Highest at 0.91%
NII(Q)
Highest at USD 51.01 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 80.49%
NET SALES(Q)
Highest at USD 78.94 MM
OPERATING PROFIT(Q)
Highest at USD 21.49 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.23 %
PRE-TAX PROFIT(Q)
Highest at USD 21.49 MM
NET PROFIT(Q)
Highest at USD 17.02 MM
EPS(Q)
Highest at USD 0.82
-2What is not working for the Company
ROCE(HY)
Lowest at 0.91%
Here's what is working for MidWestOne Financial Group, Inc.
Pre-Tax Profit
At USD 21.49 MM has Grown at 211.77%
over average net sales of the previous four periods of USD -19.23 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 17.02 MM has Grown at 225.44%
over average net sales of the previous four periods of USD -13.56 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 51.01 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 219.87 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 78.94 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 21.49 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.23 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 21.49 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 17.02 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.82
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 80.49%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 11.95%
in the last five periodsMOJO 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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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