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Upturn AI SWOT - About
MOFG 
MidWestOne Financial Group Inc (MOFG)
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Upturn Advisory Summary
08/14/2025: MOFG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $33.2
1 Year Target Price $33.2
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.12% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 590.34M USD | Price to earnings Ratio - | 1Y Target Price 33.2 |
Price to earnings Ratio - | 1Y Target Price 33.2 | ||
Volume (30-day avg) 5 | Beta 1.04 | 52 Weeks Range 24.41 - 33.75 | Updated Date 08/15/2025 |
52 Weeks Range 24.41 - 33.75 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.31% | Basic EPS (TTM) -3.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.778 | Actual 0.49 |
Profitability
Profit Margin -79.43% | Operating Margin (TTM) 30.54% |
Management Effectiveness
Return on Assets (TTM) -0.85% | Return on Equity (TTM) -9.58% |
Valuation
Trailing PE - | Forward PE 11.95 | Enterprise Value 552620672 | Price to Sales(TTM) 8.64 |
Enterprise Value 552620672 | Price to Sales(TTM) 8.64 | ||
Enterprise Value to Revenue 8.49 | Enterprise Value to EBITDA - | Shares Outstanding 20706300 | Shares Floating 16082143 |
Shares Outstanding 20706300 | Shares Floating 16082143 | ||
Percent Insiders 2.76 | Percent Institutions 82.46 |
Upturn AI SWOT
MidWestOne Financial Group Inc
Company Overview
History and Background
MidWestOne Financial Group, Inc. was founded in 1934 and is headquartered in Iowa City, Iowa. Initially focused on serving local communities, it has grown through strategic acquisitions and organic growth to become a regional financial institution. Significant milestones include expanding its services and footprint across multiple Midwestern states.
Core Business Areas
- Commercial Banking: Provides a wide array of commercial banking services including business loans, lines of credit, treasury management, and deposit accounts for small to medium-sized businesses.
- Retail Banking: Offers retail banking products and services such as checking and savings accounts, mortgage loans, personal loans, and credit cards to individuals and families.
- Wealth Management: Provides wealth management, trust, and brokerage services to individuals, families, and businesses to help them achieve their financial goals.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives overseeing different business units. The organizational structure is hierarchical, with regional and departmental managers reporting to senior executives. A board of directors provides oversight and governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a key offering, generating significant revenue. While specific market share data is not readily available, competitors include larger national banks and regional players such as US Bancorp and Commerce Bancshares. Market share is very fragmented among community and larger banks.
- Mortgage Loans: Mortgage loans contribute significantly to revenue. Competitors include Quicken Loans, Wells Fargo, and other regional and national mortgage lenders. No single company owns more than 10% of the market. Market share is very fragmented among community and larger banks.
- Deposit Accounts: Deposit accounts (checking, savings, money market) are essential for funding operations and generating fee income. Competitors include national and online banks. Very fragmented market share.
Market Dynamics
Industry Overview
The banking industry is facing increased regulation, competition from fintech companies, and fluctuating interest rates. Consolidation is ongoing, with larger banks acquiring smaller institutions.
Positioning
MidWestOne Financial Group Inc is positioned as a regional bank focused on serving the needs of individuals and businesses in the Midwest. It competes with both larger national banks and smaller community banks. Its competitive advantages include personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the hundreds of billions of dollars annually. MidWestOne Financial Group Inc captures a small but significant portion of this market, competing with national and regional players.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Diversified product and service offerings
- Experienced management team
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on the Midwest economy
- Lower brand recognition than larger competitors
- Smaller technology budget compared to larger competitors
Opportunities
- Expanding into new markets within the Midwest
- Acquiring smaller community banks
- Developing new digital banking solutions
- Increasing wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn in the Midwest
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- USB
- CMA
- HBAN
- JPM
Competitive Landscape
MidWestOne Financial Group Inc competes with larger national banks that have greater resources and brand recognition. It also faces competition from smaller community banks that offer personalized service. MidWestOne's advantage lies in its regional focus and established customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical financial data is required for a detailed analysis.
Future Projections: Future projections based on analyst estimates are not available without recent reports from major firms.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
MidWestOne Financial Group Inc is a regional bank with a solid presence in the Midwest. It benefits from strong customer relationships and a diversified product line. However, it faces challenges from larger competitors and the evolving financial landscape. Continued investment in digital capabilities and strategic acquisitions will be important for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary depending on the source. Analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MidWestOne Financial Group Inc
Exchange NASDAQ | Headquaters Iowa City, IA, United States | ||
IPO Launch date 2008-01-29 | CEO & Director Mr. Charles N. Reeves | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 757 | Website https://www.midwestone.bank |
Full time employees 757 | Website https://www.midwestone.bank | ||
MidWestOne 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. The company offers various deposit products, including noninterest bearing and interest bearing demand deposits, demand and interest checking, savings, money market, and time deposits accounts. It also provides commercial, real estate, agricultural, credit card, and consumer loans; and financing arrangements, such as brokered deposits, term debt, subordinated debt, and equity. In addition, it offers private wealth and investment services comprising administering estates, trusts, and conservatorships; property and farm management, investment advisory, retail securities brokerage, financial planning, and custodial services; and licensed broker services. Further, the company provides treasury management, Zelle, online and mobile banking, debit cards, automated teller machines, and safe deposit boxes. MidWestOne Financial Group, Inc. was founded in 1934 and is headquartered in Iowa City, Iowa.
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