MidWestOne Financial Group (MOFG) Stock Price, News & Analysis

Company Overview

MidWestOne Financial Group, Inc. is a diversified financial services holding company headquartered in Iowa City, Iowa. Through its wholly owned subsidiary, MidWestOne Bank, the company provides a broad range of banking and trust services to individuals, small‐ and medium‐sized businesses, and government entities. MidWestOne operates community bank branches across Iowa, Illinois, Minnesota, Wisconsin and Florida, aiming to deliver personalized customer service and local decision-making.

The company’s core banking activities include consumer and commercial lending, deposit products, mortgage origination and servicing, and treasury management solutions. MidWestOne offers checking and savings accounts, money market accounts and certificates of deposit, as well as digital and mobile banking services. On the lending side, the bank extends commercial real estate, construction, equipment and agriculture loans, alongside consumer installment and residential mortgage financing.

In addition to traditional banking, MidWestOne provides wealth management and fiduciary services through its trust division. These services encompass investment advisory, retirement planning, estate settlement and trust administration, catering to individuals, families and nonprofit organizations. The bank’s treasury management team supports corporate clients with cash flow optimization, ACH and wire transfers, merchant services and online banking platforms tailored to meet evolving business needs.

Founded in 1934 as Iowa State Bank & Trust, the organization rebranded as MidWestOne Bank in 2015 to reflect its expanding regional presence. Under the leadership of President and Chief Executive Officer Wayne M. Nelson, the company emphasizes community engagement, employee development and sustainable growth. MidWestOne’s board and executive team steer strategic initiatives aimed at enhancing customer relationships and strengthening its position as a trusted regional financial institution.

Key Stats

• Today's Range: $29.45 to $30.03
• 50-Day Range: $27.28 to $30.69
• 52-Week Range: $24.62 to $34.56
• Volume: 3,034 shs
• Average Volume: 100,230 shs
• Market Capitalization: $621.08 million
• P/E Ratio: N/A
• Dividend Yield: 3.25%
• Price Target: $34.83
• Consensus Rating: Hold

MidWestOne Financial Group Stock Analysis - MarketRank™

MidWestOne Financial Group scored higher than 46% of companies evaluated by MarketBeat, and ranked 661st out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

MidWestOne Financial Group has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

MidWestOne Financial Group has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: 9.69%

Earnings Growth

Earnings for MidWestOne Financial Group are expected to grow by 9.69% in the coming year, from $3.20 to $3.51 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of MidWestOne Financial Group is -8.38, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of MidWestOne Financial Group is -8.38, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

MidWestOne Financial Group has a P/B Ratio of 1.10. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.42% of the float of MidWestOne Financial Group has been sold short.

Short Interest Ratio / Days to Cover

MidWestOne Financial Group has a short interest ratio ("days to cover") of 3.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in MidWestOne Financial Group has recently increased by 51.56%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

MidWestOne Financial Group pays a meaningful dividend of 3.22%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

MidWestOne Financial Group does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, MidWestOne Financial Group will have a dividend payout ratio of 27.64% next year. This indicates that MidWestOne Financial Group will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.42% of the float of MidWestOne Financial Group has been sold short.

Short Interest Ratio / Days to Cover

MidWestOne Financial Group has a short interest ratio ("days to cover") of 3.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in MidWestOne Financial Group has recently increased by 51.56%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.77

News Sentiment

MidWestOne Financial Group has a news sentiment score of 0.77. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for MidWestOne Financial Group this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, MidWestOne Financial Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 2.50% of the stock of MidWestOne Financial Group is held by insiders.

Percentage Held by Institutions

65.42% of the stock of MidWestOne Financial Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

MOFG Stock Analysis - Frequently Asked Questions

How have MOFG shares performed this year?

MidWestOne Financial Group's stock was trading at $29.12 at the beginning of the year. Since then, MOFG stock has increased by 1.9% and is now trading at $29.68.

How were MidWestOne Financial Group's earnings last quarter?

MidWestOne Financial Group, Inc. (NASDAQ:MOFG) posted its earnings results on Thursday, April, 24th. The financial services provider reported $0.73 earnings per share (EPS) for the quarter, hitting the consensus estimate of $0.73. The financial services provider earned $57.58 million during the quarter, compared to analysts' expectations of $58.87 million.
Read the conference call transcript.

How do I buy shares of MidWestOne Financial Group?

Shares of MOFG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of MidWestOne Financial Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that MidWestOne Financial Group investors own include American Water Works (AWK), Waste Connections (WCN), Humana (HUM), The RMR Group (RMR), Voyager Therapeutics (VYGR), AU Optronics (AUOTY) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 6/16 Dividend: 6/02/2025
• Ex-Dividend for 6/16 Dividend: 6/02/2025
• Dividend Payable: 6/16/2025
• Today: 7/14/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:MOFG
• CIK: 1412665
• Web: www.midwestonefinancial.com
• Phone: (319) 356-5800
• Fax: 319-356-5849
• Employees: 730
• Year Founded: N/A

Price Target and Rating

• Average Price Target for MidWestOne Financial Group: $34.83
• High Price Target: $38.00
• Low Price Target: $33.00
• Potential Upside/Downside: +17.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): ($3.54)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 9.28
• P/E Growth: N/A
• Net Income: -$60.29 million
• Net Margins: N/A
• Pretax Margin: -32.43%
• Return on Equity: 8.49%
• Return on Assets: 0.74%

Debt

• Debt-to-Equity Ratio: 0.19
• Current Ratio: 0.82
• Quick Ratio: 0.82

Sales & Book Value

• Annual Sales: $82.38 million
• Price / Sales: 7.50
• Cash Flow: $2.20 per share
• Price / Cash Flow: 13.51
• Book Value: $26.94 per share
• Price / Book: 1.10

Miscellaneous

• Outstanding Shares: 20,817,000
• Free Float: 20,297,000
• Market Cap: $617.85 million
• Optionable: Optionable
• Beta: 1.00