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MidWestOne Financial Group (MOFG) Financials

MidWestOne Financial Group logo
$28.30 -0.18 (-0.63%)
Closing price 05/23/2025 04:00 PM Eastern
Extended Trading
$28.30 0.00 (-0.02%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for MidWestOne Financial Group

Annual Income Statements for MidWestOne Financial Group

This table shows MidWestOne Financial Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 -60 21 61
Consolidated Net Income / (Loss)		 -60 21 61
Net Income / (Loss) Continuing Operations		 -60 21 61
Total Pre-Tax Income 		-84 25 77
Total Revenue		 69 163 214
Net Interest Income / (Expense)		 158 144 166
Total Interest Income		 294 250 197
Loans and Leases Interest Income		 245 202 148
Investment Securities Interest Income		 44 47 48
Other Interest Income		 5.21 0.92 0.08
Total Interest Expense		 137 105 30
Deposits Interest Expense		 113 86 20
Short-Term Borrowings Interest Expense		 16 11 3.07
Long-Term Debt Interest Expense		 8.09 8.56 7.09
Total Non-Interest Income		 -88 18 48
Trust Fees by Commissions		 14 12 11
Other Service Charges		 22 18 23
Net Realized & Unrealized Capital Gains on Investments		 -140 -19 0.27
Other Non-Interest Income		 16 7.20 13
Provision for Credit Losses		 8.78 5.85 4.49
Total Non-Interest Expense		 144 132 133
Salaries and Employee Benefits		 83 76 78
Net Occupancy & Equipment Expense		 27 25 25
Marketing Expense		 2.65 3.61 4.27
Property & Liability Insurance Claims		 3.90 3.29 1.66
Other Operating Expenses		 22 17 18
Amortization Expense		 6.15 6.25 6.07
Income Tax Expense		 -24 3.97 16
Basic Earnings per Share		 ($3.54) $1.33 $3.89
Weighted Average Basic Shares Outstanding		 20.82M 15.75M 15.68M
Diluted Earnings per Share		 ($3.54) $1.33 $3.87
Weighted Average Diluted Shares Outstanding		 20.82M 15.75M 15.68M
Weighted Average Basic & Diluted Shares Outstanding		 20.82M 15.75M 15.68M
Cash Dividends to Common per Share		 $0.97 $0.97 $0.95

Quarterly Income Statements for MidWestOne Financial Group

This table shows MidWestOne Financial Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 16 -96 16 3.27 2.73 9.14 7.59 1.40 16 18
Consolidated Net Income / (Loss)		 16 -96 16 3.27 2.73 9.14 7.59 1.40 16 18
Net Income / (Loss) Continuing Operations		 16 -96 16 3.27 2.73 9.14 7.59 1.40 16 18
Total Pre-Tax Income 		21 -130 21 4.23 2.52 11 9.19 1.78 19 23
Total Revenue		 60 -93 58 44 36 44 46 36 55 58
Net Interest Income / (Expense)		 49 38 36 35 33 35 37 40 44 46
Total Interest Income		 78 74 73 70 65 64 61 59 57 53
Loans and Leases Interest Income		 62 63 62 58 54 52 50 46 44 40
Investment Securities Interest Income		 12 10 11 11 11 11 12 13 13 13
Other Interest Income		 3.76 0.79 0.24 0.42 0.23 0.37 0.07 0.24 - 0.01
Total Interest Expense		 29 36 36 35 33 29 24 19 13 7.69
Deposits Interest Expense		 27 29 29 28 27 23 20 15 9.13 5.04
Short-Term Borrowings Interest Expense		 0.12 5.04 5.41 4.98 3.50 3.72 2.12 1.79 1.96 0.77
Long-Term Debt Interest Expense		 1.89 2.02 2.08 2.10 2.13 2.15 2.15 2.12 2.11 1.89
Total Non-Interest Income		 11 -130 22 9.75 3.86 9.86 8.75 -4.05 11 13
Trust Fees by Commissions		 3.78 3.41 3.50 3.50 3.19 3.00 3.12 2.93 2.67 2.88
Other Service Charges		 -4.04 5.51 16 4.70 4.80 4.69 4.10 4.17 6.67 7.57
Net Realized & Unrealized Capital Gains on Investments		 0.16 -140 0.03 0.04 -5.70 0.08 -0.00 -13 -0.00 -0.16
Other Non-Interest Income		 11 0.88 2.19 1.52 1.57 2.09 1.53 2.02 1.60 2.30
Provision for Credit Losses		 1.29 1.54 1.27 4.69 1.77 1.55 1.60 0.93 0.57 0.64
Total Non-Interest Expense		 37 36 36 36 32 32 35 33 34 35
Salaries and Employee Benefits		 21 20 21 21 18 19 20 20 20 20
Net Occupancy & Equipment Expense		 7.18 6.51 6.61 6.77 6.19 6.03 6.53 6.28 6.37 6.67
Marketing Expense		 0.79 0.62 0.64 0.60 0.70 0.78 1.14 0.99 0.95 1.14
Property & Liability Insurance Claims		 0.98 0.92 1.05 0.94 0.90 0.78 0.86 0.75 0.41 0.42
Other Operating Expenses		 6.29 6.33 4.89 4.69 5.05 3.93 4.41 3.95 4.52 4.57
Amortization Expense		 1.45 1.47 1.59 1.64 1.44 1.46 1.59 1.75 1.77 1.79
Income Tax Expense		 4.78 -34 5.05 0.96 -0.21 2.20 1.60 0.38 3.49 4.74
Basic Earnings per Share		 $1.30 ($6.05) $1.00 $0.21 $0.18 $0.58 $0.48 $0.09 $1.02 $1.17
Weighted Average Basic Shares Outstanding		 20.82M 20.77M 15.77M 15.76M 15.75M 15.69M 15.69M 15.68M 15.68M -
Diluted Earnings per Share		 $1.30 ($6.05) $1.00 $0.21 $0.18 $0.58 $0.48 $0.09 $1.02 $1.17
Weighted Average Diluted Shares Outstanding		 20.82M 20.77M 15.77M 15.76M 15.75M 15.69M 15.69M 15.68M 15.68M -
Weighted Average Basic & Diluted Shares Outstanding		 20.82M 20.77M 15.77M 15.76M 15.75M 15.69M 15.69M 15.68M 15.68M -

Annual Cash Flow Statements for MidWestOne Financial Group

This table details how cash moves in and out of MidWestOne Financial Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 123 -4.71 -117
Net Cash From Operating Activities		 63 63 90
Net Cash From Continuing Operating Activities		 63 63 90
Net Income / (Loss) Continuing Operations		 -60 21 61
Consolidated Net Income / (Loss)		 -60 21 61
Provision For Loan Losses		 8.78 5.85 4.49
Depreciation Expense		 7.70 13 10
Non-Cash Adjustments to Reconcile Net Income		 105 18 14
Changes in Operating Assets and Liabilities, net		 2.36 5.49 1.32
Net Cash From Investing Activities		 312 130 -273
Net Cash From Continuing Investing Activities		 312 130 -273
Purchase of Property, Leasehold Improvements and Equipment		 -2.40 -4.06 -2.66
Purchase of Investment Securities		 -1,021 -381 -669
Sale of Property, Leasehold Improvements and Equipment		 0.01 1.24 0.03
Divestitures		 44 0.00 0.00
Sale and/or Maturity of Investments		 1,292 514 398
Net Cash From Financing Activities		 -252 -197 66
Net Cash From Continuing Financing Activities		 -252 -197 66
Net Change in Deposits		 -9.09 -73 -109
Issuance of Debt		 -330 -92 234
Issuance of Common Equity		 119 0.00 0.00
Repayment of Debt		 -14 -16 -41
Repurchase of Common Equity		 0.00 0.00 -2.73
Payment of Dividends		 -17 -15 -15
Other Financing Activities, Net		 -0.81 -0.79 -0.45
Cash Interest Paid		 140 98 28
Cash Income Taxes Paid		 7.53 3.44 13

Quarterly Cash Flow Statements for MidWestOne Financial Group

This table details how cash moves in and out of MidWestOne Financial Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 3.03 100 3.81 16 6.94 -70 75 -17 7.92 -5.35
Net Cash From Operating Activities		 31 -2.76 25 9.59 6.74 15 23 18 18 28
Net Cash From Continuing Operating Activities		 31 -2.76 25 9.59 6.74 15 23 18 18 28
Net Income / (Loss) Continuing Operations		 16 -96 16 3.27 2.73 9.14 7.59 1.40 16 18
Consolidated Net Income / (Loss)		 16 -96 16 3.27 2.73 9.14 7.59 1.40 16 18
Provision For Loan Losses		 1.29 1.54 1.27 4.69 1.77 1.55 1.60 0.93 0.57 0.64
Depreciation Expense		 -0.57 2.52 2.76 2.99 3.15 3.21 3.32 2.89 2.65 1.90
Non-Cash Adjustments to Reconcile Net Income		 14 104 -12 -1.17 6.44 0.21 0.34 11 -0.23 4.53
Changes in Operating Assets and Liabilities, net		 0.34 -15 17 -0.19 -7.35 0.83 10 1.56 -0.99 2.86
Net Cash From Investing Activities		 277 36 38 -38 47 -9.31 -40 133 -71 -74
Net Cash From Continuing Investing Activities		 277 36 38 -38 47 -9.31 -40 133 -71 -74
Purchase of Property, Leasehold Improvements and Equipment		 -1.04 -0.22 -0.63 -0.52 -1.78 -0.97 -0.90 -0.40 -0.68 -0.71
Purchase of Investment Securities		 -805 -42 -46 -128 -102 -48 -99 -133 -65 -134
Sale and/or Maturity of Investments		 1,083 78 41 91 150 39 59 265 27 60
Net Cash From Financing Activities		 -305 67 -59 45 -46 -75 92 -167 61 41
Net Cash From Continuing Financing Activities		 -305 67 -59 45 -46 -75 92 -167 61 41
Net Change in Deposits		 109 -44 -40 -35 32 -82 -110 86 -7.88 -61
Issuance of Debt		 -406 -0.87 -8.30 85 -92 30 218 -248 209 -
Repayment of Debt		 -2.80 -3.05 -7.35 -1.25 17 -19 -12 -1.29 -137 106
Payment of Dividends		 -5.04 -3.83 -3.83 -3.82 -3.81 -3.81 -3.80 -3.80 -3.71 -3.71
Other Financing Activities, Net		 -0.00 -0.29 0.05 -0.57 -0.05 -0.10 -0.09 -0.55 -0.05 -0.15
Cash Interest Paid		 43 33 31 33 32 27 22 17 10 8.12
Cash Income Taxes Paid		 -0.09 5.29 - - 1.98 0.34 - - 4.99 2.06

Annual Balance Sheets for MidWestOne Financial Group

This table presents MidWestOne Financial Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 6,236 6,428 6,578
Cash and Due from Banks		 72 76 84
Federal Funds Sold		 0.00 0.01 0.00
Interest Bearing Deposits at Other Banks		 133 5.48 2.45
Trading Account Securities		 1,328 1,870 2,283
Loans and Leases, Net of Allowance		 4,260 4,075 3,791
Loans and Leases		 4,316 4,127 3,841
Allowance for Loan and Lease Losses		 55 52 49
Loans Held for Sale		 0.75 1.05 0.61
Premises and Equipment, Net		 91 86 87
Goodwill		 70 62 62
Intangible Assets		 25 24 30
Other Assets		 256 227 237
Total Liabilities & Shareholders' Equity		 6,236 6,428 6,578
Total Liabilities		 5,677 5,903 6,085
Non-Interest Bearing Deposits		 951 897 1,053
Interest Bearing Deposits		 4,527 4,499 4,415
Short-Term Debt		 3.19 300 392
Long-Term Debt		 113 123 139
Other Long-Term Liabilities		 82 84 85
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 560 524 493
Total Preferred & Common Equity		 560 524 493
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 560 524 493
Common Stock		 437 319 319
Retained Earnings		 218 295 289
Treasury Stock		 -22 -24 -26
Accumulated Other Comprehensive Income / (Loss)		 -73 -65 -89

Quarterly Balance Sheets for MidWestOne Financial Group

This table presents MidWestOne Financial Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023
Total Assets		 6,552 6,582 6,748 6,468 6,521 6,410
Cash and Due from Banks		 72 66 68 71 76 64
Federal Funds Sold		 0.00 0.00 0.00 - - -
Interest Bearing Deposits at Other Banks		 130 35 29 3.77 69 5.27
Trading Account Securities		 1,623 1,824 1,862 1,959 2,003 2,072
Loans and Leases, Net of Allowance		 4,275 4,233 4,359 4,014 3,968 3,870
Loans and Leases		 4,329 4,287 4,415 4,066 4,019 3,919
Allowance for Loan and Lease Losses		 54 54 56 52 50 50
Loans Held for Sale		 3.28 2.85 2.33 2.53 2.82 2.55
Premises and Equipment, Net		 91 92 96 86 86 86
Goodwill		 70 69 71 62 62 62
Intangible Assets		 26 28 30 26 27 29
Other Assets		 262 231 230 244 227 220
Total Liabilities & Shareholders' Equity		 6,552 6,582 6,748 6,468 6,521 6,410
Total Liabilities		 5,990 6,038 6,220 5,962 6,020 6,899
Non-Interest Bearing Deposits		 918 882 921 924 898 6,545
Interest Bearing Deposits		 4,451 4,530 4,664 4,439 4,548 -
Short-Term Debt		 411 415 423 374 362 144
Long-Term Debt		 115 115 122 125 126 138
Other Long-Term Liabilities		 96 96 90 101 87 72
Total Equity & Noncontrolling Interests		 562 543 528 505 501 501
Total Preferred & Common Equity		 562 543 528 505 501 501
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 562 543 528 505 501 501
Common Stock		 437 317 317 318 318 318
Retained Earnings		 206 306 294 296 291 287
Treasury Stock		 -22 -22 -23 -24 -25 -25
Accumulated Other Comprehensive Income / (Loss)		 -59 -58 -61 -85 -83 -79

Annual Metrics And Ratios for MidWestOne Financial Group

This table displays calculated financial ratios and metrics derived from MidWestOne Financial Group's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -57.38% -23.98% 7.62%
EBITDA Growth		 -303.96% -56.89% -4.71%
EBIT Growth		 -438.21% -67.58% -14.40%
NOPAT Growth		 -381.85% -65.71% -12.45%
Net Income Growth		 -389.03% -65.71% -12.45%
EPS Growth		 -366.17% -65.63% -11.44%
Operating Cash Flow Growth		 0.98% -30.73% -19.03%
Free Cash Flow Firm Growth		 119.93% 197.46% -161.88%
Invested Capital Growth		 -28.66% -7.42% 18.54%
Revenue Q/Q Growth		 50.84% -10.01% 0.00%
EBITDA Q/Q Growth		 16.31% -30.57% 0.00%
EBIT Q/Q Growth		 18.12% -40.60% 0.00%
NOPAT Q/Q Growth		 18.12% -38.89% 0.00%
Net Income Q/Q Growth		 18.41% -38.89% 0.00%
EPS Q/Q Growth		 24.03% -38.71% 0.00%
Operating Cash Flow Q/Q Growth		 62.85% -15.27% 0.00%
Free Cash Flow Firm Q/Q Growth		 236.62% 109.98% -111.38%
Invested Capital Q/Q Growth		 -37.84% -5.57% 0.00%
Profitability Metrics		 - - -
EBITDA Margin		 -110.10% 23.01% 40.56%
EBIT Margin		 -121.21% 15.27% 35.81%
Profit (Net Income) Margin		 -87.01% 12.83% 28.44%
Tax Burden Percent		 71.78% 84.00% 79.42%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 16.00% 20.58%
Return on Invested Capital (ROIC)		 -7.24% 2.12% 6.45%
ROIC Less NNEP Spread (ROIC-NNEP)		 -7.79% 2.12% 6.45%
Return on Net Nonoperating Assets (RNNOA)		 -3.88% 1.99% 5.48%
Return on Equity (ROE)		 -11.12% 4.10% 11.93%
Cash Return on Invested Capital (CROIC)		 26.21% 9.82% -10.52%
Operating Return on Assets (OROA)		 -1.33% 0.38% 1.22%
Return on Assets (ROA)		 -0.95% 0.32% 0.97%
Return on Common Equity (ROCE)		 -11.12% 4.10% 11.93%
Return on Equity Simple (ROE_SIMPLE)		 -10.77% 3.98% 12.34%
Net Operating Profit after Tax (NOPAT)		 -59 21 61
NOPAT Margin		 -84.85% 12.83% 28.44%
Net Nonoperating Expense Percent (NNEP)		 0.55% 0.00% 0.00%
SG&A Expenses to Revenue		 162.01% 64.61% 49.99%
Operating Expenses to Revenue		 208.54% 81.13% 62.09%
Earnings before Interest and Taxes (EBIT)		 -84 25 77
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -76 37 87
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.07 0.77 0.92
Price to Tangible Book Value (P/TBV)		 1.29 0.92 1.13
Price to Revenue (P/Rev)		 8.66 2.48 2.12
Price to Earnings (P/E)		 0.00 19.34 7.46
Dividend Yield		 3.36% 3.77% 3.27%
Earnings Yield		 0.00% 5.17% 13.41%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.79 0.88
Enterprise Value to Revenue (EV/Rev)		 7.39 4.58 4.20
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 19.92 10.36
Enterprise Value to EBIT (EV/EBIT)		 0.00 30.01 11.73
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 35.72 14.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.10 11.91 9.95
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.40 7.70 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.21 0.81 1.08
Long-Term Debt to Equity		 0.20 0.24 0.28
Financial Leverage		 0.50 0.94 0.85
Leverage Ratio		 11.68 12.79 12.35
Compound Leverage Factor		 11.68 12.79 12.35
Debt to Total Capital		 17.24% 44.68% 51.87%
Short-Term Debt to Total Capital		 0.47% 31.68% 38.27%
Long-Term Debt to Total Capital		 16.77% 13.01% 13.60%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 82.76% 55.32% 48.13%
Debt to EBITDA		 -1.53 11.32 6.12
Net Debt to EBITDA		 1.16 9.14 5.13
Long-Term Debt to EBITDA		 -1.49 3.30 1.60
Debt to NOPAT		 -1.98 20.31 8.73
Net Debt to NOPAT		 1.50 16.39 7.31
Long-Term Debt to NOPAT		 -1.93 5.91 2.29
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 213 97 -99
Operating Cash Flow to CapEx		 2,635.96% 2,222.74% 3,429.31%
Free Cash Flow to Firm to Interest Expense		 1.56 0.92 -3.27
Operating Cash Flow to Interest Expense		 0.46 0.59 2.97
Operating Cash Flow Less CapEx to Interest Expense		 0.44 0.57 2.88
Efficiency Ratios		 - - -
Asset Turnover		 0.01 0.03 0.03
Fixed Asset Turnover		 0.78 1.88 2.51
Capital & Investment Metrics		 - - -
Invested Capital		 676 948 1,024
Invested Capital Turnover		 0.09 0.16 0.23
Increase / (Decrease) in Invested Capital		 -272 -76 160
Enterprise Value (EV)		 512 745 898
Market Capitalization		 600 403 454
Book Value per Share		 $26.94 $33.42 $31.44
Tangible Book Value per Share		 $22.38 $27.90 $25.52
Total Capital		 676 948 1,024
Total Debt		 117 424 531
Total Long-Term Debt		 113 123 139
Net Debt		 -88 342 445
Capital Expenditures (CapEx)		 2.40 2.82 2.63
Net Nonoperating Expense (NNE)		 1.50 0.00 0.00
Net Nonoperating Obligations (NNO)		 117 424 531
Total Depreciation and Amortization (D&A)		 7.70 13 10
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 ($3.54) $1.33 $3.89
Adjusted Weighted Average Basic Shares Outstanding		 20.82M 15.75M 15.68M
Adjusted Diluted Earnings per Share		 ($3.54) $1.33 $3.87
Adjusted Weighted Average Diluted Shares Outstanding		 20.82M 15.75M 15.68M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.82M 15.75M 15.68M
Normalized Net Operating Profit after Tax (NOPAT)		 -59 21 61
Normalized NOPAT Margin		 -84.85% 12.83% 28.44%
Pre Tax Income Margin		 -121.21% 15.27% 35.81%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 -0.61 0.24 2.52
NOPAT to Interest Expense		 -0.43 0.20 2.00
EBIT Less CapEx to Interest Expense		 -0.63 0.21 2.43
NOPAT Less CapEx to Interest Expense		 -0.45 0.17 1.91
Payout Ratios		 - - -
Dividend Payout Ratio		 -27.38% 72.95% 24.44%
Augmented Payout Ratio		 -27.38% 72.95% 28.92%

Quarterly Metrics And Ratios for MidWestOne Financial Group

This table displays calculated financial ratios and metrics derived from MidWestOne Financial Group's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 64.12% -308.99% 26.68% 23.46% -33.18% -23.81% -12.22% -26.44% 0.00% 0.00%
EBITDA Growth		 262.00% -977.31% 88.94% 54.62% -74.38% -41.69% -36.98% -76.43% 0.00% 23.19%
EBIT Growth		 737.11% -1,248.05% 127.08% 137.74% -87.06% -50.82% -44.98% -89.74% 0.00% 10.74%
NOPAT Growth		 498.17% -1,097.37% 108.31% 134.00% -82.94% -50.11% -39.83% -89.95% 0.00% 12.30%
Net Income Growth		 498.17% -1,147.35% 108.31% 134.00% -82.94% -50.11% -39.83% -89.95% 0.00% 0.00%
EPS Growth		 622.22% -1,143.10% 108.33% 133.33% -82.35% -50.43% -40.00% -89.77% 0.00% 0.00%
Operating Cash Flow Growth		 362.02% -118.45% 8.34% -45.52% -62.60% -47.08% 30.11% -32.77% 0.00% 187.98%
Free Cash Flow Firm Growth		 266.11% 82.39% 51.42% -223.49% 154.57% -211.65% -268.02% 1,240.02% -258.39% 1,135.13%
Invested Capital Growth		 -28.66% 8.37% 8.46% 618.76% -7.42% 0.00% 17.49% -125.06% 18.54% -100.00%
Revenue Q/Q Growth		 164.37% -260.39% 30.17% 22.13% -18.04% -2.78% 26.86% -33.89% -6.54% 12.00%
EBITDA Q/Q Growth		 116.09% -640.27% 227.37% 27.23% -61.01% 16.36% 167.89% -78.91% -11.29% 25.75%
EBIT Q/Q Growth		 116.22% -723.77% 393.80% 67.61% -77.76% 23.38% 416.99% -90.88% -15.47% 38.02%
NOPAT Q/Q Growth		 117.92% -676.14% 383.91% 19.74% -70.12% 20.33% 443.59% -91.27% -12.64% 45.13%
Net Income Q/Q Growth		 117.06% -705.01% 383.91% 19.74% -70.12% 20.33% 443.59% -91.27% -12.64% 45.13%
EPS Q/Q Growth		 121.49% -705.00% 376.19% 16.67% -68.97% 20.83% 433.33% -91.18% -12.82% 46.25%
Operating Cash Flow Q/Q Growth		 1,228.43% -110.93% 163.16% 42.34% -54.93% -35.82% 32.33% -2.28% -36.24% 57.78%
Free Cash Flow Firm Q/Q Growth		 264.42% -158.19% 94.69% -1,722.87% 107.91% -612.27% -113.51% 817.16% -116.18% 971.88%
Invested Capital Q/Q Growth		 -37.84% 1.41% -0.03% 13.20% -5.57% 1.49% 578.18% -120.20% 0.00% -100.00%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 34.36% 0.00% 40.82% 16.23% 15.58% 32.75% 27.37% 12.96% 40.63% 42.80%
EBIT Margin		 35.32% 0.00% 36.05% 9.50% 6.92% 25.52% 20.11% 4.93% 35.76% 39.54%
Profit (Net Income) Margin		 27.32% 0.00% 27.32% 7.35% 7.50% 20.56% 16.61% 3.88% 29.36% 31.41%
Tax Burden Percent		 77.35% 73.51% 75.79% 77.34% 108.25% 80.57% 82.62% 78.57% 82.10% 79.43%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.65% 0.00% 24.21% 22.66% -8.25% 19.43% 17.38% 21.43% 17.90% 20.57%
Return on Invested Capital (ROIC)		 2.33% 0.00% 4.86% 2.90% 1.24% 7.40% 3.53% 2.52% 6.65% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.33% 0.00% 4.86% 2.90% 1.24% 7.40% 3.53% 2.52% 6.65% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 1.16% 0.00% 4.73% -0.46% 1.16% 7.30% 3.00% -0.97% 5.66% 0.00%
Return on Equity (ROE)		 3.49% 0.00% 9.58% 2.44% 2.40% 14.70% 6.53% 1.55% 12.31% 0.00%
Cash Return on Invested Capital (CROIC)		 26.21% -14.90% -5.11% -117.16% 9.82% -193.20% -11.35% 0.00% -10.52% 200.00%
Operating Return on Assets (OROA)		 0.39% 0.00% 1.01% 0.25% 0.17% 1.43% 0.60% 0.16% 1.21% 0.00%
Return on Assets (ROA)		 0.30% 0.00% 0.76% 0.19% 0.19% 1.15% 0.50% 0.13% 1.00% 0.00%
Return on Common Equity (ROCE)		 3.49% 0.00% 9.58% 2.44% 2.40% 14.70% 6.53% 1.55% 12.31% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -13.14% 5.70% 4.30% 0.00% 6.75% 8.64% 9.65% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 16 -91 16 3.27 2.73 9.14 7.59 1.40 16 18
NOPAT Margin		 27.32% 0.00% 27.32% 7.35% 7.50% 20.56% 16.61% 3.88% 29.36% 31.41%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.89% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.94% 0.00% 48.76% 63.62% 67.94% 57.10% 61.39% 74.59% 50.91% 47.75%
Operating Expenses to Revenue		 62.52% 0.00% 61.76% 79.96% 88.22% 70.99% 76.40% 92.48% 63.19% 59.37%
Earnings before Interest and Taxes (EBIT)		 21 -130 21 4.23 2.52 11 9.19 1.78 19 23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 21 -128 24 7.22 5.67 15 13 4.67 22 25
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.07 0.80 0.65 0.69 0.77 0.61 0.64 0.72 0.92 0.00
Price to Tangible Book Value (P/TBV)		 1.29 0.97 0.79 0.85 0.92 0.73 0.78 0.88 1.13 0.00
Price to Revenue (P/Rev)		 8.66 9.80 1.93 2.13 2.48 1.69 1.65 1.80 2.12 0.00
Price to Earnings (P/E)		 0.00 0.00 11.45 16.06 19.34 8.96 7.40 7.48 7.46 0.00
Dividend Yield		 3.36% 3.40% 4.31% 4.19% 3.77% 4.95% 4.70% 4.14% 3.27% 3.69%
Earnings Yield		 0.00% 0.00% 8.74% 6.23% 5.17% 11.16% 13.52% 13.37% 13.41% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.71 0.73 0.76 0.79 0.73 0.67 0.00 0.88 0.00
Enterprise Value to Revenue (EV/Rev)		 7.39 16.85 4.27 4.75 4.58 4.04 3.41 2.86 4.20 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 15.32 20.33 19.92 13.54 10.32 8.02 10.36 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 20.08 29.77 30.01 17.45 12.40 9.41 11.73 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 25.27 35.74 35.72 21.37 15.32 11.88 14.77 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.10 19.95 13.85 14.89 11.91 9.88 7.62 7.02 9.95 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.40 0.00 0.00 0.00 7.70 0.00 0.00 0.53 0.00 0.45
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.21 0.94 0.97 1.03 0.81 0.99 0.97 0.56 1.08 0.00
Long-Term Debt to Equity		 0.20 0.20 0.21 0.23 0.24 0.25 0.25 0.28 0.28 0.00
Financial Leverage		 0.50 0.96 0.97 -0.16 0.94 0.99 0.85 -0.38 0.85 0.65
Leverage Ratio		 11.68 12.20 12.54 12.79 12.79 12.80 13.09 12.31 12.35 11.08
Compound Leverage Factor		 11.68 12.20 12.54 12.79 12.79 12.80 13.09 12.31 12.35 11.08
Debt to Total Capital		 17.24% 48.32% 49.36% 50.79% 44.68% 49.65% 49.32% 36.03% 51.87% 0.00%
Short-Term Debt to Total Capital		 0.47% 37.74% 38.65% 39.42% 31.68% 37.25% 36.60% 18.40% 38.27% 0.00%
Long-Term Debt to Total Capital		 16.77% 10.58% 10.70% 11.38% 13.01% 12.40% 12.71% 17.63% 13.60% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 82.76% 51.68% 50.64% 49.21% 55.32% 50.35% 50.68% 63.97% 48.13% 0.00%
Debt to EBITDA		 -1.53 -5.77 10.37 13.64 11.32 9.25 7.59 3.94 6.12 0.00
Net Debt to EBITDA		 1.16 -3.55 8.38 11.19 9.14 7.86 5.34 2.97 5.13 0.00
Long-Term Debt to EBITDA		 -1.49 -1.26 2.25 3.06 3.30 2.31 1.96 1.93 1.60 0.00
Debt to NOPAT		 -1.98 -7.32 17.11 23.98 20.31 14.61 11.26 5.83 8.73 0.00
Net Debt to NOPAT		 1.50 -4.51 13.82 19.68 16.39 12.41 7.93 4.40 7.31 0.00
Long-Term Debt to NOPAT		 -1.93 -1.60 3.71 5.37 5.91 3.65 2.90 2.85 2.29 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 288 -175 -68 -1,277 79 -995 -140 1,034 -144 891
Operating Cash Flow to CapEx		 3,001.16% -1,265.14% 4,050.08% 1,847.40% 476.04% 1,536.07% 11,305.34% 7,963.35% 2,660.12% 3,966.71%
Free Cash Flow to Firm to Interest Expense		 9.82 -4.84 -1.86 -36.68 2.40 -34.31 -5.73 53.76 -10.93 115.89
Operating Cash Flow to Interest Expense		 1.06 -0.08 0.69 0.28 0.21 0.52 0.95 0.92 1.37 3.67
Operating Cash Flow Less CapEx to Interest Expense		 1.03 -0.08 0.68 0.26 0.16 0.48 0.95 0.90 1.31 3.58
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.01 0.01 0.03 0.03 0.03 0.06 0.03 0.03 0.03 0.00
Fixed Asset Turnover		 0.78 0.52 2.06 1.88 1.88 0.00 2.23 2.38 2.51 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 676 1,088 1,073 1,073 948 1,004 989 -207 1,024 0.00
Invested Capital Turnover		 0.09 0.04 0.18 0.39 0.16 0.36 0.21 0.65 0.23 0.00
Increase / (Decrease) in Invested Capital		 -272 84 84 1,280 -76 1,004 147 -1,032 160 -873
Enterprise Value (EV)		 512 774 782 812 745 730 664 574 898 397
Market Capitalization		 600 450 354 365 403 306 320 361 454 397
Book Value per Share		 $26.94 $35.64 $34.48 $33.53 $33.42 $32.22 $31.98 $31.94 $31.44 $0.00
Tangible Book Value per Share		 $22.38 $29.54 $28.31 $27.14 $27.90 $26.61 $26.28 $26.13 $25.52 $0.00
Total Capital		 676 1,088 1,073 1,073 948 1,004 989 783 1,024 0.00
Total Debt		 117 526 530 545 424 498 488 282 531 0.00
Total Long-Term Debt		 113 115 115 122 123 125 126 138 139 0.00
Net Debt		 -88 324 428 447 342 424 343 213 445 0.00
Capital Expenditures (CapEx)		 1.04 0.22 0.62 0.52 1.42 0.97 0.21 0.22 0.68 0.71
Net Nonoperating Expense (NNE)		 0.00 4.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 117 526 530 545 424 498 488 -708 531 0.00
Total Depreciation and Amortization (D&A)		 -0.57 2.52 2.76 2.99 3.15 3.21 3.32 2.89 2.65 1.90
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.30 ($6.05) $1.00 $0.21 $0.18 $0.58 $0.48 $0.09 $1.02 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 20.82M 20.77M 15.77M 15.76M 15.75M 15.69M 15.69M 15.68M 15.68M 0.00
Adjusted Diluted Earnings per Share		 $1.30 ($6.05) $1.00 $0.21 $0.18 $0.58 $0.48 $0.09 $1.02 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 20.82M 20.77M 15.77M 15.76M 15.75M 15.69M 15.69M 15.68M 15.68M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.82M 20.77M 15.77M 15.76M 15.75M 15.69M 15.69M 15.68M 15.68M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 16 -91 16 3.27 1.77 9.14 7.59 1.40 16 18
Normalized NOPAT Margin		 27.32% 0.00% 27.32% 7.35% 4.85% 20.56% 16.61% 3.88% 29.36% 31.41%
Pre Tax Income Margin		 35.32% 0.00% 36.05% 9.50% 6.92% 25.52% 20.11% 4.93% 35.76% 39.54%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.72 -3.60 0.57 0.12 0.08 0.39 0.38 0.09 1.48 3.00
NOPAT to Interest Expense		 0.56 -2.52 0.43 0.09 0.08 0.32 0.31 0.07 1.21 2.38
EBIT Less CapEx to Interest Expense		 0.68 -3.61 0.56 0.11 0.03 0.36 0.37 0.08 1.43 2.91
NOPAT Less CapEx to Interest Expense		 0.52 -2.53 0.42 0.08 0.04 0.28 0.30 0.06 1.16 2.29
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 -27.38% -20.67% 49.28% 67.02% 72.95% 44.31% 34.70% 30.91% 24.44% 0.00%
Augmented Payout Ratio		 -27.38% -20.67% 49.28% 67.02% 72.95% 44.31% 34.70% 30.91% 28.92% 0.00%

Frequently Asked Questions About MidWestOne Financial Group's Financials

When does MidWestOne Financial Group's financial year end?

According to the most recent income statement we have on file, MidWestOne Financial Group's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has MidWestOne Financial Group's net income changed over the last 2 years?

MidWestOne Financial Group's net income appears to be on a downward trend, with a most recent value of -$60.29 million in 2024, falling from $60.84 million in 2022. The previous period was $20.86 million in 2023. See where experts think MidWestOne Financial Group is headed by visiting MidWestOne Financial Group's forecast page.

How has MidWestOne Financial Group revenue changed over the last 2 years?

Over the last 2 years, MidWestOne Financial Group's total revenue changed from $213.88 million in 2022 to $69.29 million in 2024, a change of -67.6%.

How much debt does MidWestOne Financial Group have?

MidWestOne Financial Group's total liabilities were at $5.68 billion at the end of 2024, a 3.8% decrease from 2023, and a 6.7% decrease since 2022.

How much cash does MidWestOne Financial Group have?

In the past 2 years, MidWestOne Financial Group's cash and equivalents has ranged from $71.80 million in 2024 to $83.99 million in 2022, and is currently $71.80 million as of their latest financial filing in 2024.

How has MidWestOne Financial Group's book value per share changed over the last 2 years?

Over the last 2 years, MidWestOne Financial Group's book value per share changed from 31.44 in 2022 to 26.94 in 2024, a change of -14.3%.


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This page (NASDAQ:MOFG) was last updated on 5/25/2025 by MarketBeat.com Staff
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