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MidWestOne Financial Group (MOFG) Financials

MidWestOne Financial Group logo
$49.31 0.00 (0.00%)
As of 06/18/2026
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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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 19 25 20 19 30 44 6.62 69 61 21 -60
Consolidated Net Income / (Loss)		 19 25 20 19 30 44 6.62 69 61 21 -60
Net Income / (Loss) Continuing Operations		 19 25 20 19 30 44 6.62 69 61 21 -60
Total Pre-Tax Income 		26 33 27 29 38 50 13 89 77 25 -84
Total Revenue		 70 111 123 127 128 175 192 199 214 163 69
Net Interest Income / (Expense)		 55 90 100 104 105 144 153 156 166 144 158
Total Interest Income		 64 101 112 119 128 182 185 177 197 250 294
Loans and Leases Interest Income		 50 87 98 102 111 163 159 141 148 202 245
Investment Securities Interest Income		 14 13 14 16 17 19 26 36 48 47 44
Other Interest Income		 - - - 0.14 0.06 0.45 0.26 0.09 0.08 0.92 5.21
Total Interest Expense		 9.55 11 13 15 23 39 32 20 30 105 137
Deposits Interest Expense		 7.03 7.84 9.38 11 17 30 24 13 20 86 113
Short-Term Borrowings Interest Expense		 0.02 0.02 0.02 0.42 1.32 1.85 0.91 0.55 3.07 11 16
Long-Term Debt Interest Expense		 2.09 1.99 2.29 3.23 4.20 7.02 6.99 6.74 7.09 8.56 8.09
Total Non-Interest Income		 15 21 23 23 23 31 39 42 48 18 -88
Trust Fees by Commissions		 5.77 6.01 5.57 4.92 4.95 8.04 9.63 12 11 12 14
Other Service Charges		 7.14 12 15 8.88 8.61 12 11 8.41 23 18 22
Net Realized & Unrealized Capital Gains on Investments		 1.30 1.51 1.55 0.24 0.19 0.09 0.18 0.24 0.27 -19 -140
Other Non-Interest Income		 1.10 1.31 1.37 8.72 9.46 11 18 22 13 7.20 16
Provision for Credit Losses		 1.20 5.13 7.98 17 7.30 7.16 28 -7.34 4.49 5.85 8.78
Total Non-Interest Expense		 43 73 88 80 83 118 150 117 133 132 144
Salaries and Employee Benefits		 25 42 50 48 50 66 66 70 78 76 83
Net Occupancy & Equipment Expense		 7.86 13 18 15 16 21 23 22 25 25 27
Marketing Expense		 - - - 2.45 2.66 3.79 3.82 4.02 4.27 3.61 2.65
Property & Liability Insurance Claims		 0.96 1.40 1.56 1.27 1.53 0.69 1.86 1.57 1.66 3.29 3.90
Other Operating Expenses		 9.13 14 15 10 11 21 17 13 18 17 22
Amortization Expense		 0.55 3.27 3.97 3.13 2.30 5.91 6.98 5.36 6.07 6.25 6.15
Income Tax Expense		 7.03 7.82 6.86 10 7.62 6.57 6.70 20 16 3.97 -24
Basic Earnings per Share		 $2.20 $2.42 $1.78 $1.55 $2.48 $2.93 $0.41 $4.38 $3.89 $1.33 ($3.54)
Weighted Average Basic Shares Outstanding		 8.41M 10.36M 11.43M 12.04M 12.22M 16.15M 15.98M 15.69M 15.68M 15.75M 20.82M
Diluted Earnings per Share		 $2.19 $2.42 $1.78 $1.55 $2.48 $2.93 $0.41 $4.37 $3.87 $1.33 ($3.54)
Weighted Average Diluted Shares Outstanding		 8.41M 10.36M 11.43M 12.04M 12.22M 16.15M 15.98M 15.69M 15.68M 15.75M 20.82M
Weighted Average Basic & Diluted Shares Outstanding		 8.41M 10.36M 11.43M 12.04M 12.22M 16.15M 15.98M 15.69M 15.68M 15.75M 20.82M
Cash Dividends to Common per Share		 $0.58 $0.60 $0.64 $0.67 $0.78 $0.81 $0.88 $0.90 $0.95 $0.97 $0.97

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 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 1.40 7.59 9.14 2.73 3.27 16 -96 16 15 9.98 17
Consolidated Net Income / (Loss)		 1.40 7.59 9.14 2.73 3.27 16 -96 16 15 9.98 17
Net Income / (Loss) Continuing Operations		 1.40 7.59 9.14 2.73 3.27 16 -96 16 15 9.98 17
Total Pre-Tax Income 		1.78 9.19 11 2.52 4.23 21 -130 21 20 13 21
Total Revenue		 36 46 44 36 44 58 -93 60 58 60 61
Net Interest Income / (Expense)		 40 37 35 33 35 36 38 49 47 50 51
Total Interest Income		 59 61 64 65 70 73 74 78 75 77 79
Loans and Leases Interest Income		 46 50 52 54 58 62 63 62 59 62 64
Investment Securities Interest Income		 13 12 11 11 11 11 10 12 14 14 13
Other Interest Income		 0.24 0.07 0.37 0.23 0.42 0.24 0.79 3.76 1.25 1.52 2.47
Total Interest Expense		 19 24 29 33 35 36 36 29 27 27 28
Deposits Interest Expense		 15 20 23 27 28 29 29 27 25 26 26
Short-Term Borrowings Interest Expense		 1.79 2.12 3.72 3.50 4.98 5.41 5.04 0.12 0.03 0.02 0.02
Long-Term Debt Interest Expense		 2.12 2.15 2.15 2.13 2.10 2.08 2.02 1.89 1.79 1.75 1.65
Total Non-Interest Income		 -4.05 8.75 9.86 3.86 9.75 22 -130 11 10 10 10
Trust Fees by Commissions		 2.93 3.12 3.00 3.19 3.50 3.50 3.41 3.78 3.54 3.71 4.06
Other Service Charges		 4.17 4.10 4.69 4.80 4.70 16 4.75 -4.04 4.31 5.87 5.49
Net Realized & Unrealized Capital Gains on Investments		 -13 -0.00 0.08 -5.70 0.04 0.03 -140 0.16 0.03 0.00 0.00
Other Non-Interest Income		 2.02 1.53 2.09 1.57 1.52 2.19 1.64 11 2.25 0.68 0.70
Provision for Credit Losses		 0.93 1.60 1.55 1.77 4.69 1.27 1.54 1.29 1.69 12 2.13
Total Non-Interest Expense		 33 35 32 32 36 36 36 37 36 36 38
Salaries and Employee Benefits		 20 20 19 18 21 21 20 21 21 21 22
Net Occupancy & Equipment Expense		 6.28 6.53 6.03 6.19 6.77 6.61 6.51 7.18 6.71 6.58 6.86
Marketing Expense		 0.99 1.14 0.78 0.70 0.60 0.64 0.62 0.79 0.55 0.76 0.62
Property & Liability Insurance Claims		 0.75 0.86 0.78 0.90 0.94 1.05 0.92 0.98 0.92 0.85 0.78
Other Operating Expenses		 3.95 4.41 3.93 5.05 4.69 4.89 6.33 6.29 5.49 5.32 5.92
Amortization Expense		 1.75 1.59 1.46 1.44 1.64 1.59 1.47 1.45 1.41 1.25 1.14
Income Tax Expense		 0.38 1.60 2.20 -0.21 0.96 5.05 -34 4.78 4.46 2.60 4.48
Basic Earnings per Share		 $0.09 $0.48 $0.58 $0.18 $0.21 $1.00 ($6.05) $1.30 $0.73 $0.48 $0.82
Weighted Average Basic Shares Outstanding		 15.68M 15.69M 15.69M 15.75M 15.76M 15.77M 20.77M 20.82M 20.82M 20.71M 20.63M
Diluted Earnings per Share		 $0.09 $0.48 $0.58 $0.18 $0.21 $1.00 ($6.05) $1.30 $0.73 $0.48 $0.82
Weighted Average Diluted Shares Outstanding		 15.68M 15.69M 15.69M 15.75M 15.76M 15.77M 20.77M 20.82M 20.82M 20.71M 20.63M
Weighted Average Basic & Diluted Shares Outstanding		 15.68M 15.69M 15.69M 15.75M 15.76M 15.77M 20.77M 20.82M 20.82M 20.71M 20.63M
Cash Dividends to Common per Share		 $0.24 $0.24 $0.24 - $0.24 $0.24 $0.24 - $0.24 $0.24 $0.24

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -1.48 24 -3.87 7.74 -5.49 28 9.18 121 -117 -4.71 123
Net Cash From Operating Activities		 23 33 38 41 43 47 9.16 112 90 63 63
Net Cash From Continuing Operating Activities		 23 33 38 41 43 47 9.16 112 90 63 63
Net Income / (Loss) Continuing Operations		 19 25 20 19 30 44 6.62 69 61 21 -60
Consolidated Net Income / (Loss)		 19 25 20 19 30 44 6.62 69 61 21 -60
Provision For Loan Losses		 1.20 5.13 7.98 17 7.30 7.16 28 -7.34 4.49 5.85 8.78
Depreciation Expense		 2.20 3.30 4.45 8.43 9.05 2.75 4.56 1.57 10 13 7.70
Non-Cash Adjustments to Reconcile Net Income		 -2.29 -3.07 -5.08 2.65 -0.81 -4.90 -29 49 14 18 105
Changes in Operating Assets and Liabilities, net		 1.60 -2.86 4.74 -6.05 -3.12 -1.33 -1.55 -1.42 1.32 5.49 2.36
Net Cash From Investing Activities		 -47 5.01 -124 -149 -94 73 -867 -428 -273 130 312
Net Cash From Continuing Investing Activities		 -47 5.01 -124 -149 -94 73 -867 -428 -273 130 312
Purchase of Property, Leasehold Improvements and Equipment		 -12 -15 -5.63 -4.99 -5.57 -2.19 -2.13 -2.01 -2.66 -4.06 -2.40
Purchase of Investment Securities		 -142 -196 -249 -252 -187 -290 -1,164 -886 -669 -381 -1,021
Sale of Property, Leasehold Improvements and Equipment		 0.06 1.13 2.30 0.03 1.55 0.06 0.68 0.64 0.03 1.24 0.01
Divestitures		 - - - 0.00 0.00 47 0.00 0.00 0.00 0.00 44
Sale and/or Maturity of Investments		 100 215 129 108 96 317 298 459 398 514 1,292
Net Cash From Financing Activities		 23 -14 82 115 46 -92 867 438 66 -197 -252
Net Cash From Continuing Financing Activities		 23 -14 82 115 46 -92 867 438 66 -197 -252
Net Change in Deposits		 34 5.81 17 125 7.61 26 818 567 -109 -73 -9.09
Issuance of Debt		 26 49 77 - 144 60 156 0.00 234 -92 -330
Issuance of Common Equity		 0.00 7.90 0.00 26 - - - - 0.00 0.00 119
Repayment of Debt		 -40 -45 - -21 -94 -161 -88 -103 -41 -16 -14
Repurchase of Common Equity		 -3.99 - 0.00 0.00 -2.13 -4.68 -4.62 -12 -2.73 0.00 0.00
Payment of Dividends		 -4.87 -6.34 7.32 -8.06 -9.54 -11 -14 -14 -15 -15 -17
Other Financing Activities, Net		 12 -25 -19 -6.43 0.05 -0.43 -0.15 -0.27 -0.45 -0.79 -0.81
Cash Interest Paid		 9.45 10 13 15 22 34 32 21 28 98 140
Cash Income Taxes Paid		 4.14 7.68 7.96 13 6.25 7.27 11 18 13 3.44 7.53

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 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
Net Change in Cash & Equivalents		 -17 75 -70 6.94 16 3.81 100 3.03 46 -81 103
Net Cash From Operating Activities		 18 23 15 6.74 9.59 25 -2.76 31 8.68 25 18
Net Cash From Continuing Operating Activities		 18 23 15 6.74 9.59 25 -2.76 31 8.68 25 18
Net Income / (Loss) Continuing Operations		 1.40 7.59 9.14 2.73 3.27 16 -96 16 15 9.98 17
Consolidated Net Income / (Loss)		 1.40 7.59 9.14 2.73 3.27 16 -96 16 15 9.98 17
Provision For Loan Losses		 0.93 1.60 1.55 1.77 4.69 1.27 1.54 1.29 1.69 12 2.13
Depreciation Expense		 2.89 3.32 3.21 3.15 2.99 2.76 2.52 -0.57 0.18 0.00 0.12
Non-Cash Adjustments to Reconcile Net Income		 11 0.34 0.21 6.44 -1.17 -12 104 14 0.80 0.61 8.82
Changes in Operating Assets and Liabilities, net		 1.56 10 0.83 -7.35 -0.19 17 -15 0.34 -9.12 2.44 -10
Net Cash From Investing Activities		 133 -40 -9.31 47 -38 38 36 277 35 2.13 17
Net Cash From Continuing Investing Activities		 133 -40 -9.31 47 -38 38 36 277 35 2.13 17
Purchase of Property, Leasehold Improvements and Equipment		 -0.40 -0.90 -0.97 -1.78 -0.52 -0.63 -0.22 -1.04 -0.41 -1.13 -0.95
Purchase of Investment Securities		 -133 -99 -48 -102 -128 -46 -42 -805 -7.01 -76 -72
Sale and/or Maturity of Investments		 265 59 39 150 91 41 78 1,083 43 80 90
Net Cash From Financing Activities		 -167 92 -75 -46 45 -59 67 -305 1.87 -109 68
Net Cash From Continuing Financing Activities		 -167 92 -75 -46 45 -59 67 -305 1.87 -109 68
Net Change in Deposits		 86 -110 -82 32 -35 -40 -44 109 11 -101 91
Issuance of Debt		 -248 218 30 -92 85 -8.30 -0.87 -406 -1.70 -0.58 50
Repayment of Debt		 -1.29 -12 -19 17 -1.25 -7.35 -3.05 -2.80 -2.06 -0.06 -64
Repurchase of Common Equity		 - - - - - - - - - - -3.84
Payment of Dividends		 -3.80 -3.80 -3.81 -3.81 -3.82 -3.83 -3.83 -5.04 -5.05 -5.05 -5.00
Other Financing Activities, Net		 -0.55 -0.09 -0.10 -0.05 -0.57 0.05 -0.29 -0.00 -0.42 - -0.21
Cash Interest Paid		 17 22 27 32 33 31 33 43 28 26 30

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 1,800 2,980 3,080 3,212 3,291 4,654 5,557 6,025 6,578 6,428 6,236
Cash and Due from Banks		 23 44 41 45 44 67 65 43 84 76 72
Interest Bearing Deposits at Other Banks		 0.38 2.73 1.76 5.47 1.69 6.11 17 161 2.45 5.48 133
Trading Account Securities		 526 546 646 643 610 786 1,657 2,288 2,283 1,870 1,328
Loans and Leases, Net of Allowance		 1,116 2,133 2,143 2,259 2,369 3,469 3,427 3,196 3,791 4,075 4,260
Loans and Leases		 1,133 2,152 2,165 2,287 2,399 3,469 3,482 3,245 3,841 4,127 4,316
Allowance for Loan and Lease Losses		 16 19 22 28 29 - 56 49 49 52 55
Loans Held for Sale		 0.80 3.19 4.24 0.86 0.67 5.40 60 13 0.61 1.05 0.75
Premises and Equipment, Net		 38 76 75 76 76 91 86 83 87 86 91
Goodwill		 0.00 65 65 65 65 92 62 62 62 62 70
Intangible Assets		 8.26 19 15 12 9.88 32 25 20 30 24 25
Other Assets		 87 92 88 106 116 105 156 3,354 237 227 256
Total Liabilities & Shareholders' Equity		 1,800 2,980 3,080 3,212 3,291 4,654 5,557 6,025 6,578 6,428 6,236
Total Liabilities		 1,608 2,684 2,774 2,872 2,934 4,145 5,041 5,498 6,085 5,903 5,677
Non-Interest Bearing Deposits		 214 560 495 462 439 662 911 1,005 1,053 897 951
Interest Bearing Deposits		 1,194 1,904 1,986 2,143 2,174 3,066 3,636 4,109 4,415 4,499 4,527
Short-Term Debt		 61 67 82 96 131 139 231 181 392 300 3.19
Long-Term Debt		 108 133 156 151 169 232 209 155 139 123 113
Other Long-Term Liabilities		 11 17 18 17 21 45 55 47 85 84 82
Total Equity & Noncontrolling Interests		 193 296 305 340 357 509 515 527 493 524 560
Total Preferred & Common Equity		 193 296 305 340 357 509 515 527 493 524 560
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 193 296 305 340 357 509 515 527 493 524 560
Common Stock		 89 175 175 200 200 314 317 318 319 319 437
Retained Earnings		 105 124 137 148 169 201 188 243 289 295 218
Treasury Stock		 -6.95 -6.33 -5.77 -5.12 -6.50 -10 -14 -25 -26 -24 -22
Accumulated Other Comprehensive Income / (Loss)		 5.32 3.41 -1.13 -2.60 -5.66 4.37 25 -8.87 -89 -65 -73

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 6,410 6,521 6,468 6,748 6,582 6,552 6,254 6,161 6,250
Cash and Due from Banks		 64 76 71 68 66 72 69 79 67
Interest Bearing Deposits at Other Banks		 5.27 69 3.77 29 35 130 182 91 205
Trading Account Securities		 2,072 2,003 1,959 1,862 1,824 1,623 1,306 1,235 1,176
Loans and Leases, Net of Allowance		 3,870 3,968 4,014 4,359 4,233 4,275 4,250 4,315 4,368
Loans and Leases		 3,919 4,019 4,066 4,415 4,287 4,329 4,304 4,381 4,420
Allowance for Loan and Lease Losses		 50 50 52 56 54 54 54 66 52
Loans Held for Sale		 2.55 2.82 2.53 2.33 2.85 3.28 14 17 13
Premises and Equipment, Net		 86 86 86 96 92 91 90 90 90
Goodwill		 62 62 62 71 69 70 70 70 70
Intangible Assets		 29 27 26 30 28 26 24 22 21
Other Assets		 220 227 244 230 231 262 250 242 241
Total Liabilities & Shareholders' Equity		 6,410 6,521 6,468 6,748 6,582 6,552 6,254 6,161 6,250
Total Liabilities		 6,899 6,020 5,962 6,220 6,038 5,990 5,675 5,572 5,644
Non-Interest Bearing Deposits		 6,545 898 924 921 882 918 904 911 958
Interest Bearing Deposits		 - 4,548 4,439 4,664 4,530 4,451 4,585 4,477 4,521
Short-Term Debt		 144 362 374 423 415 411 1.48 0.00 0.00
Long-Term Debt		 138 126 125 122 115 115 111 112 98
Other Long-Term Liabilities		 72 87 101 90 96 96 73 71 67
Total Equity & Noncontrolling Interests		 501 501 505 528 543 562 580 589 606
Total Preferred & Common Equity		 501 501 505 528 543 562 580 589 606
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 501 501 505 528 543 562 580 589 606
Common Stock		 318 318 318 317 317 437 436 436 437
Retained Earnings		 287 291 296 294 306 206 228 233 245
Treasury Stock		 -25 -25 -24 -23 -22 -22 -21 -22 -26
Accumulated Other Comprehensive Income / (Loss)		 -79 -83 -85 -61 -58 -59 -63 -58 -49

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.15% 58.55% 10.60% 2.84% 1.54% 36.12% 9.54% 3.73% 7.62% -23.98% -57.38%
EBITDA Growth		 -2.01% 38.70% -9.53% 0.29% 25.34% 12.64% -66.24% 409.28% -4.71% -56.89% -303.96%
EBIT Growth		 1.19% 28.90% -17.26% 6.69% 30.59% 32.22% -73.46% 571.66% -14.40% -67.58% -438.21%
NOPAT Growth		 -0.46% 35.61% -18.82% -8.30% 62.31% 43.75% -84.82% 949.16% -12.45% -65.71% -381.85%
Net Income Growth		 -0.46% 35.61% -18.82% -8.30% 62.31% 43.75% -84.82% 949.16% -12.45% -65.71% -389.03%
EPS Growth		 0.46% 10.50% -26.45% -12.92% 60.00% 18.15% -86.01% 965.85% -11.44% -65.63% -366.17%
Operating Cash Flow Growth		 -17.68% 40.59% 16.74% 7.56% 4.12% 10.64% -80.64% 1,117.97% -19.03% -30.73% 0.98%
Free Cash Flow Firm Growth		 -48.93% -706.53% 75.62% 5.33% -54.35% -358.90% 61.98% 335.62% -161.88% 197.46% 119.93%
Invested Capital Growth		 0.13% 37.21% 9.48% 8.09% 11.80% 33.90% 8.49% -9.53% 18.54% -7.42% -28.66%
Revenue Q/Q Growth		 1.31% 16.22% -2.16% 1.35% 0.33% 10.26% 0.55% 0.19% 0.00% -10.01% 50.84%
EBITDA Q/Q Growth		 -1.98% 22.46% 12.31% -8.80% 22.68% -15.57% 775.89% -0.89% 0.00% -30.57% 16.31%
EBIT Q/Q Growth		 -1.66% 14.19% -16.19% -9.97% 27.28% 4.71% 223.90% -1.98% 0.00% -40.60% 18.12%
NOPAT Q/Q Growth		 -2.71% 20.84% -17.64% -22.60% 43.59% 15.17% 101.67% -3.41% 0.00% -38.89% 18.12%
Net Income Q/Q Growth		 -2.71% 20.84% -17.64% -22.60% 43.59% 15.17% 101.67% -3.41% 0.00% -38.89% 18.41%
EPS Q/Q Growth		 -2.67% 14.15% -19.09% -23.65% 44.19% 8.52% 78.26% -2.67% 0.00% -38.71% 24.03%
Operating Cash Flow Q/Q Growth		 -4.37% 17.45% -10.69% 2.61% 12.23% -7.58% -81.66% 679.66% 0.00% -15.27% 62.85%
Free Cash Flow Firm Q/Q Growth		 -61.71% -2.69% -864.84% 67.33% -187.81% 32.67% -147.62% 25.62% -111.38% 109.98% 236.62%
Invested Capital Q/Q Growth		 -1.28% 0.51% 5.50% -4.74% 10.69% -1.97% 2.83% -1.02% 0.00% -5.57% -37.84%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.48% 37.16% 30.40% 29.64% 36.59% 30.28% 9.33% 45.81% 40.56% 23.01% -110.10%
EBIT Margin		 36.42% 29.61% 22.15% 22.98% 29.55% 28.70% 6.95% 45.02% 35.81% 15.27% -121.21%
Profit (Net Income) Margin		 26.40% 22.58% 16.57% 14.78% 23.62% 24.95% 3.46% 34.96% 28.44% 12.83% -87.01%
Tax Burden Percent		 72.48% 76.26% 74.83% 64.31% 79.94% 86.91% 49.71% 77.66% 79.42% 84.00% 71.78%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.52% 23.74% 25.17% 35.69% 20.06% 13.09% 50.29% 22.34% 20.58% 16.00% 0.00%
Return on Invested Capital (ROIC)		 5.12% 5.85% 3.92% 3.30% 4.88% 5.68% 0.72% 7.64% 6.45% 2.12% -7.24%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.12% 5.85% 3.92% 3.30% 4.88% 5.68% 0.72% 7.64% 6.45% 2.12% -7.79%
Return on Net Nonoperating Assets (RNNOA)		 4.87% 4.43% 2.86% 2.49% 3.83% 4.40% 0.57% 5.69% 5.48% 1.99% -3.88%
Return on Equity (ROE)		 9.99% 10.28% 6.78% 5.79% 8.70% 10.08% 1.29% 13.33% 11.93% 4.10% -11.12%
Cash Return on Invested Capital (CROIC)		 4.99% -25.52% -5.13% -4.47% -6.27% -23.31% -7.43% 17.65% -10.52% 9.82% 26.21%
Operating Return on Assets (OROA)		 1.44% 1.38% 0.90% 0.92% 1.17% 1.26% 0.26% 1.55% 1.22% 0.38% -1.33%
Return on Assets (ROA)		 1.04% 1.05% 0.67% 0.59% 0.93% 1.10% 0.13% 1.20% 0.97% 0.32% -0.95%
Return on Common Equity (ROCE)		 9.99% 10.28% 6.78% 5.79% 8.70% 10.08% 1.29% 13.33% 11.93% 4.10% -11.12%
Return on Equity Simple (ROE_SIMPLE)		 9.61% 8.48% 6.68% 5.49% 8.50% 8.57% 1.29% 13.17% 12.34% 3.98% -10.77%
Net Operating Profit after Tax (NOPAT)		 19 25 20 19 30 44 6.62 69 61 21 -59
NOPAT Margin		 26.40% 22.58% 16.57% 14.78% 23.62% 24.95% 3.46% 34.96% 28.44% 12.83% -84.85%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.55%
SG&A Expenses to Revenue		 46.71% 48.99% 54.96% 51.71% 53.34% 51.68% 48.43% 48.44% 49.99% 64.61% 162.01%
Operating Expenses to Revenue		 61.87% 65.78% 71.36% 63.32% 64.77% 67.20% 78.24% 58.67% 62.09% 81.13% 208.54%
Earnings before Interest and Taxes (EBIT)		 26 33 27 29 38 50 13 89 77 25 -84
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 30 41 37 38 47 53 18 91 87 37 -76
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.95 0.91 1.11 0.97 0.70 0.98 0.68 0.88 0.92 0.77 1.07
Price to Tangible Book Value (P/TBV)		 0.99 1.26 1.51 1.25 0.89 1.29 0.81 1.04 1.13 0.92 1.29
Price to Revenue (P/Rev)		 2.60 2.41 2.77 2.61 1.95 2.84 1.82 2.32 2.12 2.48 8.66
Price to Earnings (P/E)		 9.86 10.69 16.69 17.67 8.26 11.39 52.54 6.65 7.46 19.34 0.00
Dividend Yield		 2.65% 2.55% 2.15% 2.48% 3.80% 2.63% 4.07% 3.06% 3.27% 3.77% 3.36%
Earnings Yield		 10.15% 9.35% 5.99% 5.66% 12.10% 8.78% 1.90% 15.05% 13.41% 5.17% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.91 0.85 0.98 0.90 0.77 0.90 0.74 0.69 0.88 0.79 0.76
Enterprise Value to Revenue (EV/Rev)		 4.68 3.79 4.35 4.16 3.93 4.54 3.68 2.99 4.20 4.58 7.39
Enterprise Value to EBITDA (EV/EBITDA)		 11.02 10.21 14.32 14.05 10.75 15.00 39.42 6.53 10.36 19.92 0.00
Enterprise Value to EBIT (EV/EBIT)		 12.85 12.81 19.65 18.13 13.31 15.82 52.90 6.64 11.73 30.01 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 17.73 16.80 26.26 28.18 16.65 18.21 106.41 8.55 14.77 35.72 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.12 12.90 14.02 12.83 11.82 16.79 76.95 5.33 9.95 11.91 8.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 18.18 0.00 0.00 0.00 0.00 0.00 0.00 3.70 0.00 7.70 2.40
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.88 0.68 0.78 0.73 0.84 0.73 0.85 0.64 1.08 0.81 0.21
Long-Term Debt to Equity		 0.56 0.45 0.51 0.44 0.47 0.46 0.41 0.29 0.28 0.24 0.20
Financial Leverage		 0.95 0.76 0.73 0.75 0.79 0.78 0.79 0.74 0.85 0.94 0.50
Leverage Ratio		 9.59 9.78 10.07 9.74 9.33 9.17 9.97 11.11 12.35 12.79 11.68
Compound Leverage Factor		 9.59 9.78 10.07 9.74 9.33 9.17 9.97 11.11 12.35 12.79 11.68
Debt to Total Capital		 46.76% 40.37% 43.83% 42.11% 45.67% 42.16% 46.03% 38.93% 51.87% 44.68% 17.24%
Short-Term Debt to Total Capital		 16.80% 13.58% 15.11% 16.37% 20.00% 15.84% 24.17% 21.00% 38.27% 31.68% 0.47%
Long-Term Debt to Total Capital		 29.96% 26.79% 28.72% 25.74% 25.67% 26.33% 21.86% 17.93% 13.60% 13.01% 16.77%
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% 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% 0.00%
Common Equity to Total Capital		 53.24% 59.63% 56.17% 57.89% 54.33% 57.84% 53.97% 61.07% 48.13% 55.32% 82.76%
Debt to EBITDA		 5.68 4.85 6.37 6.60 6.38 7.01 24.58 3.69 6.12 11.32 -1.53
Net Debt to EBITDA		 4.89 3.71 5.22 5.24 5.42 5.62 19.96 1.45 5.13 9.14 1.16
Long-Term Debt to EBITDA		 3.64 3.22 4.18 4.03 3.59 4.37 11.67 1.70 1.60 3.30 -1.49
Debt to NOPAT		 9.14 7.98 11.69 13.24 9.89 8.50 66.36 4.84 8.73 20.31 -1.98
Net Debt to NOPAT		 7.88 6.11 9.57 10.51 8.39 6.82 53.88 1.91 7.31 16.39 1.50
Long-Term Debt to NOPAT		 5.86 5.30 7.66 8.09 5.56 5.31 31.51 2.23 2.29 5.91 -1.93
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 18 -110 -27 -25 -39 -179 -68 160 -99 97 213
Operating Cash Flow to CapEx		 189.71% 238.10% 1,144.95% 828.73% 1,064.82% 2,221.31% 632.09% 8,130.76% 3,429.31% 2,222.74% 2,635.96%
Free Cash Flow to Firm to Interest Expense		 1.89 -10.29 -2.10 -1.67 -1.71 -4.62 -2.14 7.83 -3.27 0.92 1.56
Operating Cash Flow to Interest Expense		 2.44 3.07 3.00 2.71 1.87 1.22 0.29 5.45 2.97 0.59 0.46
Operating Cash Flow Less CapEx to Interest Expense		 1.15 1.78 2.74 2.38 1.70 1.16 0.24 5.38 2.88 0.57 0.44
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.01
Fixed Asset Turnover		 2.14 1.95 1.63 1.68 1.69 2.10 2.16 2.34 2.51 1.88 0.78
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 362 497 544 588 657 880 955 864 1,024 948 676
Invested Capital Turnover		 0.19 0.26 0.24 0.22 0.21 0.23 0.21 0.22 0.23 0.16 0.09
Increase / (Decrease) in Invested Capital		 0.45 135 47 44 69 223 75 -91 160 -76 -272
Enterprise Value (EV)		 328 422 535 527 505 794 705 594 898 745 512
Market Capitalization		 183 269 340 330 251 497 348 462 454 403 600
Book Value per Share		 $23.08 $25.97 $26.71 $27.85 $29.22 $31.50 $32.01 $33.61 $31.44 $33.42 $26.94
Tangible Book Value per Share		 $22.09 $18.63 $19.73 $21.57 $23.12 $23.81 $26.56 $28.37 $25.52 $27.90 $22.38
Total Capital		 362 497 544 588 657 880 955 864 1,024 948 676
Total Debt		 169 201 238 248 300 371 439 336 531 424 117
Total Long-Term Debt		 108 133 156 151 169 232 209 155 139 123 113
Net Debt		 146 153 195 197 255 298 357 132 445 342 -88
Capital Expenditures (CapEx)		 12 14 3.34 4.96 4.02 2.13 1.45 1.37 2.63 2.82 2.40
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.50
Net Nonoperating Obligations (NNO)		 169 201 238 248 300 371 439 336 531 424 117
Total Depreciation and Amortization (D&A)		 4.25 8.40 10 8.43 9.05 2.75 4.56 1.57 10 13 7.70
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.20 $2.42 $1.78 $1.55 $2.48 $2.93 $0.41 $4.38 $3.89 $1.33 ($3.54)
Adjusted Weighted Average Basic Shares Outstanding		 8.37M 11.43M 11.46M 12.24M 12.17M 16.15M 15.98M 15.69M 15.68M 15.75M 20.82M
Adjusted Diluted Earnings per Share		 $2.19 $2.42 $1.78 $1.55 $2.48 $2.93 $0.41 $4.37 $3.87 $1.33 ($3.54)
Adjusted Weighted Average Diluted Shares Outstanding		 8.37M 11.43M 11.46M 12.24M 12.17M 16.15M 15.98M 15.69M 15.68M 15.75M 20.82M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.37M 11.43M 11.46M 12.24M 12.17M 16.15M 15.98M 15.69M 15.68M 15.75M 20.82M
Normalized Net Operating Profit after Tax (NOPAT)		 19 25 20 19 30 44 31 69 61 21 -59
Normalized NOPAT Margin		 26.40% 22.58% 16.57% 14.78% 23.62% 24.95% 16.38% 34.96% 28.44% 12.83% -84.85%
Pre Tax Income Margin		 36.42% 29.61% 22.15% 22.98% 29.55% 28.70% 6.95% 45.02% 35.81% 15.27% -121.21%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.68 3.09 2.14 1.92 1.66 1.29 0.42 4.37 2.52 0.24 -0.61
NOPAT to Interest Expense		 1.94 2.36 1.60 1.23 1.33 1.12 0.21 3.39 2.00 0.20 -0.43
EBIT Less CapEx to Interest Expense		 1.39 1.80 1.88 1.59 1.49 1.24 0.37 4.30 2.43 0.21 -0.63
NOPAT Less CapEx to Interest Expense		 0.66 1.07 1.34 0.91 1.15 1.07 0.16 3.33 1.91 0.17 -0.45
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 26.28% 25.26% -35.88% 43.11% 31.42% 26.30% 214.03% 20.55% 24.44% 72.95% -27.38%
Augmented Payout Ratio		 47.81% 25.26% -35.88% 43.11% 38.43% 37.03% 283.84% 37.18% 28.92% 72.95% -27.38%

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 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025
DEI Shares Outstanding		 - - - - - - - - 20,815,715.00 20,817,043.00 20,706,267.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 20,815,715.00 20,817,043.00 20,706,267.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.73 0.48 0.82
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -26.44% -12.22% -23.81% -33.18% 23.46% 26.68% -308.99% 64.12% 29.44% 4.02% 165.97%
EBITDA Growth		 -76.43% -36.98% -41.69% -74.38% 54.62% 88.94% -977.31% 262.00% 173.87% -46.79% 116.92%
EBIT Growth		 -89.74% -44.98% -50.82% -87.06% 137.74% 127.08% -1,248.05% 737.11% 363.57% -39.75% 116.51%
NOPAT Growth		 -89.95% -39.83% -50.11% -82.94% 134.00% 108.31% -1,097.37% 498.17% 363.08% -36.91% 118.67%
Net Income Growth		 -89.95% -39.83% -50.11% -82.94% 134.00% 108.31% -1,147.35% 498.17% 363.08% -36.91% 117.78%
EPS Growth		 -89.77% -40.00% -50.43% -82.35% 133.33% 108.33% -1,143.10% 622.22% 247.62% -52.00% 113.55%
Operating Cash Flow Growth		 -32.77% 30.11% -47.08% -62.60% -45.52% 8.34% -118.45% 362.02% -9.52% -1.25% 741.59%
Free Cash Flow Firm Growth		 1,240.02% -268.02% -211.65% 154.57% -223.49% 51.42% 82.39% 266.11% 131.00% 662.22% 328.87%
Invested Capital Growth		 -125.06% 17.49% 0.00% -7.42% 618.76% 8.46% 8.37% -28.66% -35.47% -34.62% -35.29%
Revenue Q/Q Growth		 -33.89% 26.86% -2.78% -18.04% 22.13% 30.17% -260.39% 164.37% -3.68% 4.61% 1.71%
EBITDA Q/Q Growth		 -78.91% 167.89% 16.36% -61.01% 27.23% 227.37% -640.27% 116.09% -3.74% -36.39% 71.81%
EBIT Q/Q Growth		 -90.88% 416.99% 23.38% -77.76% 67.61% 393.80% -723.77% 116.22% -7.19% -35.83% 70.91%
NOPAT Q/Q Growth		 -91.27% 443.59% 20.33% -70.12% 19.74% 383.91% -676.14% 117.92% -7.30% -34.07% 70.49%
Net Income Q/Q Growth		 -91.27% 443.59% 20.33% -70.12% 19.74% 383.91% -705.01% 117.06% -7.30% -34.07% 70.49%
EPS Q/Q Growth		 -91.18% 433.33% 20.83% -68.97% 16.67% 376.19% -705.00% 121.49% -43.85% -34.25% 70.83%
Operating Cash Flow Q/Q Growth		 -2.28% 32.33% -35.82% -54.93% 42.34% 163.16% -110.93% 1,228.43% -72.13% 187.22% -28.98%
Free Cash Flow Firm Q/Q Growth		 817.16% -113.51% -612.27% 107.91% -1,722.87% 94.69% -158.19% 264.42% 37.40% -3.61% 5.11%
Invested Capital Q/Q Growth		 -120.20% 578.18% 1.49% -5.57% 13.20% -0.03% 1.41% -37.84% 2.40% 1.28% 0.38%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 12.96% 27.37% 32.75% 15.58% 16.23% 40.82% 0.00% 34.36% 34.34% 20.88% 35.27%
EBIT Margin		 4.93% 20.11% 25.52% 6.92% 9.50% 36.05% 0.00% 35.32% 34.03% 20.88% 35.08%
Profit (Net Income) Margin		 3.88% 16.61% 20.56% 7.50% 7.35% 27.32% 0.00% 27.32% 26.29% 16.57% 27.77%
Tax Burden Percent		 78.57% 82.62% 80.57% 108.25% 77.34% 75.79% 73.51% 77.35% 77.25% 79.36% 79.17%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.43% 17.38% 19.43% -8.25% 22.66% 24.21% 0.00% 22.65% 22.75% 20.64% 20.83%
Return on Invested Capital (ROIC)		 2.52% 3.53% 7.40% 1.24% 2.90% 4.86% 0.00% 2.33% 2.45% 1.58% 7.40%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.52% 3.53% 7.40% 1.24% 2.90% 4.86% 0.00% 2.33% 2.45% 1.58% 7.40%
Return on Net Nonoperating Assets (RNNOA)		 -0.97% 3.00% 7.30% 1.16% -0.46% 4.73% 0.00% 1.16% 1.46% 0.90% 3.95%
Return on Equity (ROE)		 1.55% 6.53% 14.70% 2.40% 2.44% 9.58% 0.00% 3.49% 3.91% 2.48% 11.36%
Cash Return on Invested Capital (CROIC)		 0.00% -11.35% -193.20% 9.82% -117.16% -5.11% -14.90% 26.21% 37.67% 35.80% 49.37%
Operating Return on Assets (OROA)		 0.16% 0.60% 1.43% 0.17% 0.25% 1.01% 0.00% 0.39% 0.43% 0.28% 1.31%
Return on Assets (ROA)		 0.13% 0.50% 1.15% 0.19% 0.19% 0.76% 0.00% 0.30% 0.33% 0.22% 1.04%
Return on Common Equity (ROCE)		 1.55% 6.53% 14.70% 2.40% 2.44% 9.58% 0.00% 3.49% 3.91% 2.48% 11.36%
Return on Equity Simple (ROE_SIMPLE)		 9.65% 8.64% 6.75% 0.00% 4.30% 5.70% -13.14% 0.00% -8.35% -9.21% 9.65%
Net Operating Profit after Tax (NOPAT)		 1.40 7.59 9.14 2.73 3.27 16 -91 16 15 9.98 17
NOPAT Margin		 3.88% 16.61% 20.56% 7.50% 7.35% 27.32% 0.00% 27.32% 26.29% 16.57% 27.77%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.89% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 74.59% 61.39% 57.10% 67.94% 63.62% 48.76% 0.00% 47.94% 49.46% 47.07% 48.64%
Operating Expenses to Revenue		 92.48% 76.40% 70.99% 88.22% 79.96% 61.76% 0.00% 62.52% 63.04% 59.38% 61.44%
Earnings before Interest and Taxes (EBIT)		 1.78 9.19 11 2.52 4.23 21 -130 21 20 13 21
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.67 13 15 5.67 7.22 24 -128 21 20 13 22
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.72 0.64 0.61 0.77 0.69 0.65 0.80 1.07 1.06 1.02 0.97
Price to Tangible Book Value (P/TBV)		 0.88 0.78 0.73 0.92 0.85 0.79 0.97 1.29 1.27 1.21 1.14
Price to Revenue (P/Rev)		 1.80 1.65 1.69 2.48 2.13 1.93 9.80 8.66 7.48 7.07 2.45
Price to Earnings (P/E)		 7.48 7.40 8.96 19.34 16.06 11.45 0.00 0.00 0.00 0.00 10.02
Dividend Yield		 4.14% 4.70% 4.95% 3.77% 4.19% 4.31% 3.40% 3.36% 3.28% 3.37% 3.43%
Earnings Yield		 13.37% 13.52% 11.16% 5.17% 6.23% 8.74% 0.00% 0.00% 0.00% 0.00% 9.98%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.67 0.73 0.79 0.76 0.73 0.71 0.76 0.69 0.77 0.58
Enterprise Value to Revenue (EV/Rev)		 2.86 3.41 4.04 4.58 4.75 4.27 16.85 7.39 5.81 6.40 1.72
Enterprise Value to EBITDA (EV/EBITDA)		 8.02 10.32 13.54 19.92 20.33 15.32 0.00 0.00 0.00 0.00 5.52
Enterprise Value to EBIT (EV/EBIT)		 9.41 12.40 17.45 30.01 29.77 20.08 0.00 0.00 0.00 0.00 5.50
Enterprise Value to NOPAT (EV/NOPAT)		 11.88 15.32 21.37 35.72 35.74 25.27 0.00 0.00 0.00 0.00 7.04
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.02 7.62 9.88 11.91 14.89 13.85 19.95 8.10 7.68 8.74 4.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.53 0.00 0.00 7.70 0.00 0.00 0.00 2.40 1.44 1.71 0.93
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.56 0.97 0.99 0.81 1.03 0.97 0.94 0.21 0.19 0.19 0.16
Long-Term Debt to Equity		 0.28 0.25 0.25 0.24 0.23 0.21 0.20 0.20 0.19 0.19 0.16
Financial Leverage		 -0.38 0.85 0.99 0.94 -0.16 0.97 0.96 0.50 0.59 0.57 0.53
Leverage Ratio		 12.31 13.09 12.80 12.79 12.79 12.54 12.20 11.68 11.74 11.25 10.96
Compound Leverage Factor		 12.31 13.09 12.80 12.79 12.79 12.54 12.20 11.68 11.74 11.25 10.96
Debt to Total Capital		 36.03% 49.32% 49.65% 44.68% 50.79% 49.36% 48.32% 17.24% 16.30% 16.01% 13.92%
Short-Term Debt to Total Capital		 18.40% 36.60% 37.25% 31.68% 39.42% 38.65% 37.74% 0.47% 0.21% 0.00% 0.00%
Long-Term Debt to Total Capital		 17.63% 12.71% 12.40% 13.01% 11.38% 10.70% 10.58% 16.77% 16.09% 16.01% 13.92%
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% 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% 0.00%
Common Equity to Total Capital		 63.97% 50.68% 50.35% 55.32% 49.21% 50.64% 51.68% 82.76% 83.70% 83.99% 86.08%
Debt to EBITDA		 3.94 7.59 9.25 11.32 13.64 10.37 -5.77 -1.53 -1.77 -1.50 1.32
Net Debt to EBITDA		 2.97 5.34 7.86 9.14 11.19 8.38 -3.55 1.16 2.17 0.76 -2.34
Long-Term Debt to EBITDA		 1.93 1.96 2.31 3.30 3.06 2.25 -1.26 -1.49 -1.75 -1.50 1.32
Debt to NOPAT		 5.83 11.26 14.61 20.31 23.98 17.11 -7.32 -1.98 -2.35 -2.09 1.68
Net Debt to NOPAT		 4.40 7.93 12.41 16.39 19.68 13.82 -4.51 1.50 2.87 1.06 -2.98
Long-Term Debt to NOPAT		 2.85 2.90 3.65 5.91 5.37 3.71 -1.60 -1.93 -2.32 -2.09 1.68
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 1,034 -140 -995 79 -1,277 -68 -175 288 396 381 401
Operating Cash Flow to CapEx		 7,963.35% 11,305.34% 1,536.07% 476.04% 1,847.40% 4,050.08% -1,265.14% 3,001.16% 2,115.85% 2,203.01% 1,864.59%
Free Cash Flow to Firm to Interest Expense		 53.76 -5.73 -34.31 2.40 -36.68 -1.86 -4.84 9.82 14.50 13.90 14.35
Operating Cash Flow to Interest Expense		 0.92 0.95 0.52 0.21 0.28 0.69 -0.08 1.06 0.32 0.91 0.63
Operating Cash Flow Less CapEx to Interest Expense		 0.90 0.95 0.48 0.16 0.26 0.68 -0.08 1.03 0.30 0.87 0.60
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.06 0.03 0.03 0.03 0.01 0.01 0.01 0.01 0.04
Fixed Asset Turnover		 2.38 2.23 0.00 1.88 1.88 2.06 0.52 0.78 0.89 0.93 2.65
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 -207 989 1,004 948 1,073 1,073 1,088 676 693 701 704
Invested Capital Turnover		 0.65 0.21 0.36 0.16 0.39 0.18 0.04 0.09 0.09 0.10 0.27
Increase / (Decrease) in Invested Capital		 -1,032 147 1,004 -76 1,280 84 84 -272 -381 -371 -384
Enterprise Value (EV)		 574 664 730 745 812 782 774 512 478 542 412
Market Capitalization		 361 320 306 403 365 354 450 600 616 599 586
Book Value per Share		 $31.94 $31.98 $32.22 $33.42 $33.53 $34.48 $35.64 $26.94 $27.85 $28.30 $29.27
Tangible Book Value per Share		 $26.13 $26.28 $26.61 $27.90 $27.14 $28.31 $29.54 $22.38 $23.36 $23.87 $24.87
Total Capital		 783 989 1,004 948 1,073 1,073 1,088 676 693 701 704
Total Debt		 282 488 498 424 545 530 526 117 113 112 98
Total Long-Term Debt		 138 126 125 123 122 115 115 113 111 112 98
Net Debt		 213 343 424 342 447 428 324 -88 -138 -57 -174
Capital Expenditures (CapEx)		 0.22 0.21 0.97 1.42 0.52 0.62 0.22 1.04 0.41 1.13 0.95
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 4.57 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 -708 488 498 424 545 530 526 117 113 112 98
Total Depreciation and Amortization (D&A)		 2.89 3.32 3.21 3.15 2.99 2.76 2.52 -0.57 0.18 0.00 0.12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.09 $0.48 $0.58 $0.18 $0.21 $1.00 ($6.05) $1.30 $0.73 $0.48 $0.82
Adjusted Weighted Average Basic Shares Outstanding		 15.68M 15.69M 15.69M 15.75M 15.76M 15.77M 20.77M 20.82M 20.82M 20.71M 20.63M
Adjusted Diluted Earnings per Share		 $0.09 $0.48 $0.58 $0.18 $0.21 $1.00 ($6.05) $1.30 $0.73 $0.48 $0.82
Adjusted Weighted Average Diluted Shares Outstanding		 15.68M 15.69M 15.69M 15.75M 15.76M 15.77M 20.77M 20.82M 20.82M 20.71M 20.63M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.68M 15.69M 15.69M 15.75M 15.76M 15.77M 20.77M 20.82M 20.82M 20.71M 20.63M
Normalized Net Operating Profit after Tax (NOPAT)		 1.40 7.59 9.14 1.77 3.27 16 -91 16 15 9.98 17
Normalized NOPAT Margin		 3.88% 16.61% 20.56% 4.85% 7.35% 27.32% 0.00% 27.32% 26.29% 16.57% 27.77%
Pre Tax Income Margin		 4.93% 20.11% 25.52% 6.92% 9.50% 36.05% 0.00% 35.32% 34.03% 20.88% 35.08%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.09 0.38 0.39 0.08 0.12 0.57 -3.60 0.72 0.72 0.46 0.77
NOPAT to Interest Expense		 0.07 0.31 0.32 0.08 0.09 0.43 -2.52 0.56 0.55 0.36 0.61
EBIT Less CapEx to Interest Expense		 0.08 0.37 0.36 0.03 0.11 0.56 -3.61 0.68 0.70 0.42 0.74
NOPAT Less CapEx to Interest Expense		 0.06 0.30 0.28 0.04 0.08 0.42 -2.53 0.52 0.54 0.32 0.58
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 30.91% 34.70% 44.31% 72.95% 67.02% 49.28% -20.67% -27.38% -36.63% -34.95% 34.45%
Augmented Payout Ratio		 30.91% 34.70% 44.31% 72.95% 67.02% 49.28% -20.67% -27.38% -36.63% -38.18% 44.02%

Financials Breakdown Chart

Key Financial Trends

MidWestOne Financial Group (NASDAQ: MOFG) showed a clear rebound in earnings and cash generation in Q3 2025 compared with the prior quarter and the year-ago period. The quarter was helped by stronger net interest income, lower credit loss provision versus Q2 2025, and a solid improvement in operating cash flow. However, the balance sheet still shows a relatively thin equity base versus liabilities, and deposit trends were mixed across the last several quarters.

  • Q3 2025 net income improved to $17.0 million, up from $10.0 million in Q2 2025 and far above the restated $9.1 million in Q3 2024, showing a stronger profit trend.
  • Basic EPS rose to $0.82 in Q3 2025 from $0.48 in Q2 2025, reflecting better bottom-line performance.
  • Net interest income increased to $51.0 million from $50.0 million in Q2 2025 and $37.5 million in Q3 2024, suggesting the core banking spread improved year over year.
  • Operating cash flow strengthened to $17.7 million in Q3 2025 versus $24.9 million in Q2 2025, but importantly remained positive and supported ongoing operations.
  • Loans and leases, net, grew to $4.37 billion from $4.32 billion in Q2 2025, indicating modest loan book expansion.
  • Allowance for loan losses declined to $51.9 million from $65.8 million in Q2 2025, which may reflect improved expected credit conditions or portfolio changes.
  • Total common equity increased to $606.1 million from $589.0 million in Q2 2025, extending the gradual build in book equity during 2025.
  • Total assets were essentially flat sequentially at $6.25 billion in Q3 2025 versus $6.16 billion in Q2 2025, indicating a stable but not rapidly expanding balance sheet.
  • Non-interest income remained steady at about $10.3 million in Q3 2025, showing the fee and service businesses are contributing, but not accelerating sharply.
  • Non-interest expense stayed elevated at $37.6 million in Q3 2025, slightly above Q2 2025, so cost control remains important.
  • Cash and due from banks fell to $67.1 million from $78.7 million in Q2 2025, though the company still held meaningful liquidity.
  • Deposits declined sharply in Q3 2025, with non-interest bearing deposits down to $958.1 million from $910.7 million and total deposit mix showing continued volatility; the cash flow statement also showed a large positive “net change in deposits” in Q3, underscoring unstable deposit trends quarter to quarter.
  • Interest-bearing deposits remain the main funding source at $4.52 billion, which can pressure margins if deposit costs stay high.
  • Debt remains material, with long-term debt at $98.0 million and total liabilities at $5.64 billion, keeping leverage elevated relative to equity.
  • Book equity is still modest compared with the balance sheet size: total equity of $606.1 million versus $6.25 billion in assets means the company operates with a relatively thin capital cushion.
  • Credit provision is still a recurring expense, at $2.1 million in Q3 2025, and prior periods showed much larger provisions at times, so credit quality remains a key risk to watch.

Bottom line: MOFG’s 2025 trend looks better than 2024, with improving earnings, stronger core net interest income, and positive operating cash flow. The main things investors should watch are deposit stability, expense discipline, and whether credit costs stay contained. If those hold, the recent improvement could be more sustainable.

06/19/26 06:23 PM ETAI Generated. May Contain Errors.

MidWestOne Financial Group Financials - Frequently Asked Questions

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.

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 $18.52 million in 2014. 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.

Over the last 10 years, MidWestOne Financial Group's total revenue changed from $70.17 million in 2014 to $69.29 million in 2024, a change of -1.2%.

MidWestOne Financial Group's total liabilities were at $5.68 billion at the end of 2024, a 3.8% decrease from 2023, and a 253.1% increase since 2014.

In the past 10 years, MidWestOne Financial Group's cash and equivalents has ranged from $23.03 million in 2014 to $83.99 million in 2022, and is currently $71.80 million as of their latest financial filing in 2024.

Over the last 10 years, MidWestOne Financial Group's book value per share changed from 23.08 in 2014 to 26.94 in 2024, a change of 16.7%.


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Financial statements for NASDAQ:MOFG last updated on 4/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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