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MidWestOne Financial Group, Inc.

MidWestOne Financial Group, Inc.

NASDAQ•MOFG
CEO: Mr. Charles N. Reeves
セクター: Financial Services
業種: Banks - Regional
上場日: 2008-01-29
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. It offers range of deposit products, including noninterest bearing and interest bearing demand deposits, savings, money market, and time deposits accounts. The company 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 trust 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 brokers services. Further, the company provides 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.
連絡先情報
102 South Clinton Street, Iowa City, IA, 52240, United States
319-356-5800
www.midwestonefinancial.com/corporate-profile/default.aspx
時価総額
$994.16M
PER (TTM)
17.0
14.8
配当利回り
2.5%
52週高値
$49.26
52週安値
$24.62
52週レンジ
96%
順位60Top 89.2%
2.1
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 2.1 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$89.20M-257.33%
直近4四半期の推移

EPS

$0.82-113.55%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Profitability Rebound Strong Q3 2025 net income reached $17.0M, a significant turnaround from the $(95.7)M loss reported in Q3 2024, driving diluted EPS to $0.82.
Net Interest Income Rises Tax equivalent NIM improved substantially to 3.57% for the quarter, driven by higher earning asset yields and lower funding costs compared to prior year.
Loan Portfolio Growth Gross loans held for investment grew $100.9M sequentially to $4.43B, reflecting strong organic growth despite a $11.0M reclassification to loans held for sale.
Capital Position Solid Consolidated total risk-based capital ratio stood at 13.08% as of September 30, 2025, maintaining a strong well-capitalized position.

リスク要因

Asset Quality Deterioration Nonperforming assets increased $8.8M sequentially to $33.9M, resulting in the nonperforming asset ratio rising 14 basis points to 0.54% by period end.
Merger Consideration Volatility Merger consideration value is tied to Nicolet stock price, creating uncertainty for shareholders regarding the final value received per share.
Credit Loss Expense Increase Q3 2025 credit loss expense rose to $2.1M from $1.5M, reflecting provisions for organic loan growth and unfunded commitments.
Regulatory Approval Uncertainty Consummation of the Nicolet merger is subject to regulatory approvals which may impose unexpected restrictions or delays on closing.

見通し

Nicolet Merger Execution The planned merger with Nicolet is expected to close in the first half of 2026, subject to regulatory clearances and shareholder approval.
Interest Rate Sensitivity Sensitivity analysis shows potential NII decrease of 4.9% if rates drop 100 bps, highlighting exposure to sustained rate movements.
ACL Model Sensitivity The ACL estimation model remains sensitive to forecasts for unemployment, retail sales, CRE index, and U.S. GDP changes.
Debt Structure Optimization Long-term debt decreased due to redemption of subordinated notes, partially offset by closing a new $50.0M senior term note in July 2025.

同業比較

売上高 (TTM)

Customers Bancorp, Inc.CUBI
$1.41B
+3.9%
Business First Bancshares, Inc.BFST
$511.93M
+11.8%
Amalgamated Financial Corp.AMAL
$455.03M
+4.5%

粗利益率 (最新四半期)

First Community Bankshares, Inc.FCBC
90.9%
+4.8pp
Central Pacific Financial Corp.CPF
82.0%
+10.7pp
HBT Financial, Inc.HBT
81.4%
+3.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CUBI$2.45B10.911.2%6.9%
AMAL$1.21B11.513.7%1.1%
MOFG$994.16M17.010.0%1.6%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
0.0%
緩やかな成長
4四半期純利益CAGR
1.4%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月5日|
    売上高: $89.20M-257.3%
    |
    EPS: $0.82-113.6%
    予想通り

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月6日|
    売上高: $87.67M-7.1%
    |
    EPS: $0.48-52.0%
    予想を下回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月6日|
    売上高: $84.88M+7.1%
    |
    EPS: $0.73+247.6%
    予想通り

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月11日|
    売上高: $206.03M-23.1%
    |
    EPS: $-3.54-366.2%
    予想を下回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月7日|
    売上高: -$56.69M-177.2%
    |
    EPS: $-6.05-1143.1%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月6日|
    売上高: $94.33M+34.6%
    |
    EPS: $1.00+108.3%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月7日|
    売上高: $79.29M+43.5%
    |
    EPS: $0.21+135.2%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月8日|
    売上高: $268.04M+9.7%
    |
    EPS: $1.33-65.8%
    予想を上回る