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Upturn AI SWOT - About
MOFG 
MidWestOne Financial Group Inc (MOFG)
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Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $34.2
1 Year Target Price $34.2
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.95% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 598.91M USD | Price to earnings Ratio - | 1Y Target Price 34.2 |
Price to earnings Ratio - | 1Y Target Price 34.2 | ||
Volume (30-day avg) 5 | Beta 1.01 | 52 Weeks Range 20.68 - 33.75 | Updated Date 06/30/2025 |
52 Weeks Range 20.68 - 33.75 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.37% | Basic EPS (TTM) -3.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -63.21% | Operating Margin (TTM) 39.43% |
Management Effectiveness
Return on Assets (TTM) -0.75% | Return on Equity (TTM) -8.74% |
Valuation
Trailing PE - | Forward PE 11.95 | Enterprise Value 462296320 | Price to Sales(TTM) 7.82 |
Enterprise Value 462296320 | Price to Sales(TTM) 7.82 | ||
Enterprise Value to Revenue 8.63 | Enterprise Value to EBITDA - | Shares Outstanding 20817000 | Shares Floating 16200031 |
Shares Outstanding 20817000 | Shares Floating 16200031 | ||
Percent Insiders 2.72 | Percent Institutions 81.07 |
Analyst Ratings
Rating 3 | Target Price 34.2 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
MidWestOne Financial Group Inc
Company Overview
History and Background
MidWestOne Financial Group, Inc. was founded in 1934. It has grown through acquisitions and organic expansion to become a regional bank holding company serving communities in Iowa, Wisconsin, Minnesota, and Colorado. The company has focused on relationship banking and community involvement.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to businesses of various sizes.
- Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust, and financial planning services.
Leadership and Structure
The company has a board of directors and an executive management team overseeing its operations. The organizational structure is hierarchical, with regional presidents reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Competitors include regional and national banks, as well as credit unions. Market share data is not publicly available.
- Mortgages: Residential mortgages offered to consumers. Competitors include national mortgage lenders, local banks, and credit unions. Market share data is not publicly available.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Competitors include other banks and credit unions. Market share data is not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Consolidation is also a major trend.
Positioning
MidWestOne Financial Group Inc. is positioned as a regional bank focused on community banking. Its competitive advantage lies in its local presence and relationship-based approach.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the hundreds of billions of dollars. MWOF is a small to mid-sized player with a limited geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified product offerings
- Solid capital base
Weaknesses
- Limited geographic footprint
- Smaller size compared to national banks
- Reliance on traditional banking model
- Less brand recognition
Opportunities
- Expansion into new markets
- Adoption of fintech solutions
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- HBAN
- CMA
- KEY
Competitive Landscape
MidWestOne Financial Group Inc. faces competition from larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its personalized service and local expertise. However, it lacks the scale and resources of larger competitors.
Major Acquisitions
Denver Bankshares, Inc.
- Year: 2021
- Acquisition Price (USD millions): 74.3
- Strategic Rationale: Expansion into the Denver market.
Growth Trajectory and Initiatives
Historical Growth: Provide actual numbers. Update annually.
Future Projections: Provide analyst estimates. Update annually.
Recent Initiatives: Highlight recent strategic initiatives undertaken by MidWestOne Financial Group Inc.
Summary
MidWestOne is a regional bank with solid community ties, providing it with a stable customer base. Its smaller size limits its growth potential compared to national players. Adapting to the evolving digital landscape and managing interest rate risks are key challenges. Recent acquisitions demonstrate a strategy of expanding geographically.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Analyst reports
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data may be limited or unavailable. Actual financial performance may vary from projections.
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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