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

Company Overview

MidWestOne Financial Group, Inc. (NASDAQ: MOFG) is a registered bank holding company headquartered in West Des Moines, Iowa. Through its principal subsidiary, MidWestOne Bank, the company provides a comprehensive range of commercial and consumer banking products and services. Its commercial banking division offers business lending solutions, including commercial real estate loans, business lines of credit, equipment financing and treasury management services. For individual customers, MidWestOne delivers checking and savings accounts, home mortgage and home equity loans, and personal lending solutions.

Beyond traditional banking, MidWestOne offers trust, wealth management and insurance services through specialized teams of financial advisors. These offerings encompass estate and retirement planning, investment management, fiduciary services and a variety of insurance products tailored to both businesses and individuals. The company’s digital banking platform supports online and mobile transactions, bill pay, remote deposit and account management, enhancing convenience and accessibility for its clients.

Founded in 1934 as a community bank in Spencer, Iowa, MidWestOne Financial Group has expanded its footprint over decades through organic growth and targeted acquisitions. While maintaining a strong presence in Iowa, the company now serves customers across Minnesota, Kansas, Oklahoma and Arizona. This regional diversification enables a balanced loan portfolio spanning agricultural, commercial real estate, healthcare and consumer lending sectors.

MidWestOne Financial Group is guided by an experienced board of directors and senior management team committed to relationship-based banking and community engagement. The company emphasizes local decision-making authority and personalized service, aiming to meet the financial needs of individuals, families and businesses throughout its operating areas.

Key Stats

• Today's Range: $27.55 to $28.99
• 50-Day Range: $27.05 to $30.37
• 52-Week Range: $24.62 to $34.56
• Volume: 98,509 shs
• Average Volume: 116,444 shs
• Market Capitalization: $569.53 million
• P/E Ratio: N/A
• Dividend Yield: 3.53%
• Price Target: $34.17
• Consensus Rating: Hold

MidWestOne Financial Group Stock Analysis - MarketRank™

MidWestOne Financial Group scored higher than 69% of companies evaluated by MarketBeat, and ranked 553rd out of 945 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: 3.5 / 5
• Analyst Rating: Hold

Consensus Rating

MidWestOne Financial Group has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on 1 buy rating, 3 hold ratings, and 1 sell rating.

Upside Potential

MidWestOne Financial Group has a consensus price target of $34.17, representing about 23.8% upside from its current price of $27.59.

Amount of Analyst Coverage

MidWestOne Financial Group has only been the subject of 3 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 -6.80, 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 -6.80, 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 1.02. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.83% of the outstanding shares of MidWestOne Financial Group have been sold short.

Short Interest Ratio / Days to Cover

MidWestOne Financial Group has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in MidWestOne Financial Group has recently increased by 4.14%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

MidWestOne Financial Group pays a meaningful dividend of 3.33%, 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

2.83% of the outstanding shares of MidWestOne Financial Group have been sold short.

Short Interest Ratio / Days to Cover

MidWestOne Financial Group has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in MidWestOne Financial Group has recently increased by 4.14%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.88

News Sentiment

MidWestOne Financial Group has a news sentiment score of 0.88. 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 higher news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for MidWestOne Financial Group this week, compared to 3 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, MidWestOne Financial Group insiders have bought more of their company's stock than they have sold. Specifically, they have bought $190,882.00 in company stock and sold $0.00 in 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 2025. Since then, MOFG shares have decreased by 5.3% and is now trading at $27.5890.

How were MidWestOne Financial Group's earnings last quarter?

MidWestOne Financial Group, Inc. (NASDAQ:MOFG) announced its earnings results on Wednesday, June, 7th. The financial services provider reported $0.88 EPS for the quarter. The financial services provider had revenue of $50.10 million for the quarter.

Who are MidWestOne Financial Group's major shareholders?

MidWestOne Financial Group's top institutional investors include CWM LLC (0.01%). Insiders that own company stock include Charles N Funk, Tracy S Mccormick, Charles N Reeves, Larry D Albert, Matthew J Hayek, Jennifer Leigh Hauschildt, Janet E Godwin, Ruth Eliina Heinonen, Nathaniel J Kaeding, Nathaniel J Kaeding, Nathaniel J Kaeding and Len D Devaisher.
View institutional ownership trends.

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), AUO (AUOTY) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 6/07/2023
• Record date for 9/16 Dividend: 9/02/2025
• Ex-Dividend for 9/16 Dividend: 9/02/2025
• Dividend Payable: 9/16/2025
• Today: 10/16/2025
• Next Earnings (Estimated): 10/23/2025
• 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: 1934

Price Target and Rating

• Average Price Target for MidWestOne Financial Group: $34.17
• High Price Target: $38.00
• Low Price Target: $31.00
• Potential Upside/Downside: +20.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): ($4.06)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 8.85
• P/E Growth: N/A
• Net Income: -$60.29 million
• Net Margins: N/A
• Pretax Margin: -37.53%
• Return on Equity: 8.86%
• Return on Assets: 0.81%

Debt

• Debt-to-Equity Ratio: 0.19
• Current Ratio: 0.84
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $206.03 million
• Price / Sales: 2.85
• Cash Flow: $2.14 per share
• Price / Cash Flow: 13.26
• Book Value: $26.94 per share
• Price / Book: 1.05

Miscellaneous

• Outstanding Shares: 20,710,000
• Free Float: 20,188,000
• Market Cap: $586.74 million
• Optionable: Optionable
• Beta: 1.03