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Upturn AI SWOT - About
MOFG 
MidWestOne Financial Group Inc (MOFG)
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Upturn Advisory Summary
10/15/2025: 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
1 Year Target Price $33
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 571.70M USD | Price to earnings Ratio - | 1Y Target Price 33 |
Price to earnings Ratio - | 1Y Target Price 33 | ||
Volume (30-day avg) 5 | Beta 1.03 | 52 Weeks Range 24.21 - 33.47 | Updated Date 10/17/2025 |
52 Weeks Range 24.21 - 33.47 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.54% | Basic EPS (TTM) -3.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.85 | Actual - |
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 512860832 | Price to Sales(TTM) 8.37 |
Enterprise Value 512860832 | Price to Sales(TTM) 8.37 | ||
Enterprise Value to Revenue 8.25 | Enterprise Value to EBITDA - | Shares Outstanding 20706267 | Shares Floating 16084214 |
Shares Outstanding 20706267 | Shares Floating 16084214 | ||
Percent Insiders 2.76 | Percent Institutions 83.19 |
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. Originally known as Iowa State Bankshares, it has grown through organic expansion and acquisitions to become a regional financial services provider.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, deposit, and treasury management services to businesses.
- Retail Banking: Provides consumer banking services including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management, trust, and investment services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes departments for commercial banking, retail banking, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide loans to businesses for various purposes, including expansion, working capital, and equipment purchases. Competitors include US Bank, BOK Financial, and regional banks.
- Market Share: Unable to calculate exact market share without proprietary data.
- Market Share: Unable to calculate exact market share without proprietary data.
- Mortgages: Offer residential mortgage loans to consumers. The market is highly competitive with national and regional players like Wells Fargo, and local credit unions.
- Market Share: Unable to calculate exact market share without proprietary data.
- Wealth Management Services: Provides financial planning, investment management, and trust services to high-net-worth individuals and families. Competitors include Ameriprise, Edward Jones, and other regional wealth management firms.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation and facing increased regulatory scrutiny. Interest rate fluctuations, economic conditions, and technological advancements influence the competitive landscape.
Positioning
MidWestOne Financial Group Inc is positioned as a regional bank focused on providing personalized service and community banking. Their competitive advantage lies in their local presence and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services is significant. MidWestOne Financial Group Inc focuses on capturing a share within its geographic footprint by building customer relationships.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Diversified product offerings
- Experienced management team
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to national banks
- Reliance on traditional banking model
- Potential for higher operating expenses
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- BOKF
- WFC
Competitive Landscape
MidWestOne Financial Group Inc faces competition from national and regional banks. Their strength lies in local presence and relationships, but they lack the scale and resources of larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Requires pulling specific data from financial statements (e.g., 10-K). Cannot populate without real-time data feed.
Future Projections: Requires pulling specific data from financial statements (e.g., 10-K). Cannot populate without real-time data feed.
Recent Initiatives: Requires pulling specific data from financial statements (e.g., 10-K). Cannot populate without real-time data feed.
Summary
MidWestOne Financial Group Inc is a regional bank with a strong community focus. Its strengths include established customer relationships and diversified services, but it faces challenges from larger competitors and the changing banking landscape. Expanding digital offerings and exploring strategic acquisitions are key to future growth. They need to watch out for economic downturns in the communities they serve.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated.
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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