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Upturn AI SWOT - About
MOFG 
MidWestOne Financial Group Inc (MOFG)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 17.67% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 544.75M USD | Price to earnings Ratio - | 1Y Target Price 36 |
Price to earnings Ratio - | 1Y Target Price 36 | ||
Volume (30-day avg) 100045 | Beta 0.88 | 52 Weeks Range 18.76 - 34.03 | Updated Date 04/4/2025 |
52 Weeks Range 18.76 - 34.03 | Updated Date 04/4/2025 | ||
Dividends yield (FY) 3.62% | Basic EPS (TTM) -3.54 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -99.64% | Operating Margin (TTM) 40.4% |
Management Effectiveness
Return on Assets (TTM) -0.95% | Return on Equity (TTM) -11.12% |
Valuation
Trailing PE - | Forward PE 11.95 | Enterprise Value 469646624 | Price to Sales(TTM) 9 |
Enterprise Value 469646624 | Price to Sales(TTM) 9 | ||
Enterprise Value to Revenue 9.7 | Enterprise Value to EBITDA - | Shares Outstanding 20815700 | Shares Floating 16189214 |
Shares Outstanding 20815700 | Shares Floating 16189214 | ||
Percent Insiders 2.61 | Percent Institutions 80.61 |
Analyst Ratings
Rating 4 | Target Price 34.8 | 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 as Iowa State Bank & Trust Company in Iowa City, Iowa. It has grown through organic expansion and acquisitions, evolving into a regional financial services provider.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers deposit accounts, loans, mortgages, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, trust, and estate services.
Leadership and Structure
The leadership team is headed by the CEO, and the organizational structure includes departments for commercial banking, retail banking, wealth management, finance, risk management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share data unavailable. Competitors: US Bank, Wells Fargo, local and regional banks.
- Mortgages: Offer mortgage loans to individuals for home purchases and refinancing. Market share data unavailable. Competitors: Wells Fargo, Chase, Quicken Loans, local and regional banks.
- Deposit Accounts: Provide checking, savings, and money market accounts to individuals and businesses. Market share data unavailable. Competitors: US Bank, Wells Fargo, local and regional banks.
- Wealth Management Services: Provide personalized financial planning and investment management services. Market share data unavailable. Competitors: Edward Jones, Morgan Stanley, Goldman Sachs.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increasing competition from fintech companies. The industry has shown resilience in maintaining stability.
Positioning
MidWestOne Financial Group, Inc. positions itself as a community-focused regional bank providing personalized service and local expertise. This allows them to attract customers who prefer localized banking over national chains. The current total assets in this market is estimated to be $1 Trillion.
Total Addressable Market (TAM)
The TAM includes all potential customers for banking, lending, and wealth management services in MidWestOne's operating region, which is estimated at $500 Billion. MidWestOne captures a small, but stable, portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Well-established branch network
- Diversified revenue streams
- Strong capital levels
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national banks
- Dependence on net interest income
- Technology infrastructure needing upgrade
Opportunities
- Expanding into new markets
- Acquiring smaller banks
- Investing in digital banking technologies
- Growing wealth management business
Threats
- Increasing competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- WFC
- JPM
Competitive Landscape
MOFG is a smaller regional bank compared to its national competitors. Its advantages include its local expertise and personalized service. Its disadvantages include its limited geographic footprint and smaller scale.
Major Acquisitions
First National Bank
- Year: 2019
- Acquisition Price (USD millions): 85
- Strategic Rationale: Expanded market presence in a neighboring state and increased deposit base.
Growth Trajectory and Initiatives
Historical Growth: Past growth has likely been driven by organic expansion and acquisitions.
Future Projections: Analyst projections for future growth vary and depend on economic conditions and company strategy. (Requires analyst reports for accurate projections).
Recent Initiatives: Recent initiatives likely include investments in digital banking, branch optimization, and expansion of wealth management services.
Summary
MidWestOne Financial Group is a regional bank with strengths in customer relationships and local presence. However, its smaller size and limited geographic footprint present challenges. Strategic investments in technology and expansion into new markets could drive future growth, but competition from larger banks and fintech companies remains a significant threat.
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Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (if available)
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It is not financial advice. Financial data is approximate and may be outdated.
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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