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MidWestOne Financial Group, Inc.(MOFG)Earnings, Financials & Key Ratios
MOFG•NASDAQ•Banking & Credit
$49.31
Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutMidWestOne Financial Group, Inc. operates as the bank holding company for MidWestOne Bank that provides commercial and retail banking products and services to individuals, businesses, governmental units, and institutional customers. It offers deposit products, such as noninterest bearing and interest-bearing demand deposit accounts, interest checking accounts, savings accounts, money market accounts, certificates of deposit, and time deposits. The company also provides commercial and industrial, commercial and residential real estate, agricultural, and credit card loans, as well as consumer loans, such as secured and unsecured personal, and automobile loans. In addition, it offers various trust and investment services, including administering estates, personal trusts, and conservatorships, as well as property management, farm management, investment advisory, retail securities brokerage, and financial planning and custodial services, as well as investment-related services, including securities trading, mutual funds sales, fixed and variable annuities, tax-exempted, and conventional unit trusts. Further, the company provides other products and services comprising treasury management, debit cards, automated teller machines, online and mobile banking, and safe deposit boxes. It offers its products and services primarily through a network of 56 banking offices located in central and eastern Iowa, the Minneapolis/St. Paul metropolitan area of Minnesota, southwestern Wisconsin, southwestern Florida, and Denver, Colorado. MidWestOne Financial Group, Inc. was incorporated in 1983 and is headquartered in Iowa City, Iowa.Show more
- Net Interest Income$158M+9.3%
- Total Revenue$206M-23.1%
- Net Income-$60M-389.0%
- Return on Equity-11.12%-371.2%
- Net Interest Margin2.53%+12.6%
- Efficiency Ratio70.13%+42.5%
- ROA-0.95%-396.8%
- Equity / Assets8.97%+10.0%
- Book Value per Share32.87-1.4%
MOFG Price & Volume
MidWestOne Financial Group, Inc. (MOFG) stock price & volume — 10-year historical chart
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Earnings Recovery Amidst Persistent Margin Compression Risks
Investment Thesis • Updated 2025Q3
VerdictNeutral: While the firm has returned to profitability with $17.0 million in 2025Q3 net income
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Stable
Primary Risk:Agricultural credit concentration
Key Thesis Takeaways
- MidWestOne Financial Group shows signs of operational stabilization with net income rebounding to $17.0 million in 2025Q3, yet the firm faces structural headwinds from a stagnant 0.8% net interest margin.
- While the bank has successfully navigated recent earnings volatility, including the $95.7 million loss in 2024Q3, the heavy reliance on a $5.6 billion investment securities portfolio creates ongoing duration risk.
- Investors should monitor the bank's ability to manage credit quality, particularly following the $11.9 million provision spike in 2025Q2, as the firm attempts to balance capital returns with a contracting $6.2 billion asset base.
Verdict Logic
the forward P/E of 13.77 and persistent margin compression at 0.8% suggest limited near-term upside potential.
MOFG Growth Metrics
MidWestOne Financial Group, Inc. (MOFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.96%
5 Years-0.73%
3 Years-2.05%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM179.12%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM160.17%
Return on Capital
10 Years5.28%
5 Years3.51%
3 Years1.33%
Last Year-9.48%
MOFG Recent Earnings
MidWestOne Financial Group, Inc. (MOFG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (36%)●Beat Revenue 6/12 qtrs (60%)
Q4 2025Latest
Oct 23, 2025Metric
Actual
Est
EPS
$0.87+6.1%
$0.82
Rev
$61M-4.9%
$64M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.49-36.4%
$0.77
Rev
$60M-3.7%
$63M
Q2 2025
Apr 24, 2025Metric
Actual
Est
EPS
$0.73+0.0%
$0.73
Rev
$58M-1.9%
$59M
Q2 2025
Mar 11, 2025Metric
Actual
Est
EPS
$0.78
—
Rev
$89M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Oct 23, 2025 | $0.87vs $0.82+6.1% | $61Mvs $64M-4.9% |
| Q3 2025 | Jul 24, 2025 | $0.49vs $0.77-36.4% | $60Mvs $63M-3.7% |
| Q2 2025 | Apr 24, 2025 | $0.73vs $0.73+0.0% | $58Mvs $59M-1.9% |
| Q2 2025 | Mar 11, 2025 | $0.78 | $89M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for MidWestOne Financial Group, Inc. (MOFG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $49.31 | $1.02B | -13.93 | -23.13% | -29.26% | -11.12% | 1.97% | |
| $63.34 | $528.43M | 10.45 | 6.43% | 18.74% | 14.12% | — | |
| $26.55 | $88.98M | 19.38 | 6.61% | 10.82% | 6.22% | — | |
| $28.62 | $367.76M | 13.89 | 18.96% | 14.29% | 8.79% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $114.32 | $3.84B | 16.06 | -9.29% | 29.66% | 13.62% | — |
Compare MOFG vs Peers
MidWestOne Financial Group, Inc. (MOFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MOFG SEC Filings & Documents
MidWestOne Financial Group, Inc. (MOFG) SEC filings — annual & quarterly reports (10-K, 10-Q)
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MOFG Frequently Asked Questions
MidWestOne Financial Group, Inc. (MOFG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is MidWestOne Financial Group, Inc. growing?
MidWestOne Financial Group, Inc. (MOFG) saw revenue decline by 23.1% over the past year.
Is MOFG profitable?
Yes, MidWestOne Financial Group, Inc. (MOFG) is profitable, generating $58.5M in net income for fiscal year 2024 (-29.3% net margin).
Dividend & Returns
Does MOFG pay dividends?
Yes, MidWestOne Financial Group, Inc. (MOFG) pays a dividend with a yield of 1.97%. This makes it attractive for income-focused investors.
What is MOFG's return on equity?
MidWestOne Financial Group, Inc. (MOFG) has a return on equity (ROE) of -11.1%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is MidWestOne Financial Group, Inc.'s net interest margin?
MidWestOne Financial Group, Inc. (MOFG) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
What is MidWestOne Financial Group, Inc.'s efficiency ratio?
MidWestOne Financial Group, Inc. (MOFG) has an efficiency ratio of 70.1%. This is higher than peers, suggesting room for cost optimization.