MidWestOne Financial Group Inc (MOFG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
MidWestOne Financial Group Inc stock (MOFG) is currently trading at $49.31. MidWestOne Financial Group Inc PE ratio is 14.72. MidWestOne Financial Group Inc PS ratio (Price-to-Sales) is 4.59. Analyst consensus price target for MOFG is $40.00. WallStSmart rates MOFG as Hold.
- MOFG PE ratio analysis and historical PE chart
- MOFG PS ratio (Price-to-Sales) history and trend
- MOFG intrinsic value — DCF, Graham Number, EPV models
- MOFG stock price prediction 2025 2026 2027 2028 2029 2030
- MOFG fair value vs current price
- MOFG insider transactions and insider buying
- Is MOFG undervalued or overvalued?
- MidWestOne Financial Group Inc financial analysis — revenue, earnings, cash flow
- MOFG Piotroski F-Score and Altman Z-Score
- MOFG analyst price target and Smart Rating
MidWestOne Financial Group Inc
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MOFG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · MidWestOne Financial Group Inc (MOFG)
MOFG trades 111% above its Graham fair value of $22.78, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
MidWestOne Financial Group Inc (MOFG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
MidWestOne Financial Group Inc (MOFG) Key Strengths (4)
Keeps $42 of every $100 in revenue after operating costs
Keeps $26 of every $100 in revenue as net profit
80.25% of shares held by major funds and institutions
Trading at 1.68x book value, attractively priced
Supporting Valuation Data
MidWestOne Financial Group Inc (MOFG) Areas to Watch (6)
Revenue declining -14.60%, a shrinking business
Earnings declining -52.10%, profits shrinking
Paying a premium for growth, expensive relative to earnings expansion
Premium valuation at 4.6x annual revenue
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Supporting Valuation Data
MidWestOne Financial Group Inc (MOFG) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.68) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.70%, Profit Margin at 26.40%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, PEG Ratio. Some valuation metrics including PEG Ratio (2.52), Price/Sales (4.59) suggest expensive pricing. Growth concerns include Revenue Growth at -14.60%, EPS Growth at -52.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -14.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MOFG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MOFG's Price-to-Sales ratio of 4.59x sits near its historical average of 4.59x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 4.59x set in Mar 2026, and 0% above its historical low of 4.59x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for MidWestOne Financial Group Inc (MOFG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
MidWestOne Financial Group Inc faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 222M with 15% decline year-over-year. Profit margins are strong at 26.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1000.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 26.4% and operating margin of 41.7% demonstrate strong pricing power and operational efficiency.
Revenue contracted 15% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact MidWestOne Financial Group Inc.
Bottom Line
MidWestOne Financial Group Inc faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About MidWestOne Financial Group Inc(MOFG)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
MidWestOne Financial Group, Inc. is the banking holding company for MidWestOne Bank offering commercial and retail banking products and services to individuals, businesses, government units, and institutional clients. The company is headquartered in Iowa City, Iowa.