MidWestOne Financial Group, Inc.

NASDAQ•MOFG

CEO: Mr. Charles N. Reeves

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

102 South Clinton Street, Iowa City, IA, 52240, United States

319-356-5800

www.midwestonefinancial.com/corporate-profile/default.aspx

市值

$1.02B

市盈率 (TTM)

17.4

13.9

股息率

2.0%

52周最高

$49.69

52周最低

$24.62

52周范围

98%

排名60Top 89.2%

2.1

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

疲弱 • 2.1 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q3 2025 数据

营业收入

$89.20M-257.33%

近4季度走势

每股收益

$0.82-113.55%

近4季度走势

自由现金流

$16.75M+0.00%

近4季度走势

2025 Q3 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

CUBI

$1.41B

+3.9%

BFST

$511.93M

+11.8%

AMAL

$455.03M

+4.5%

毛利率 (最新季度)

FCBC

90.9%

+4.8pp

CPF

82.0%

+10.7pp

HBT

81.4%

+3.2pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
CUBI	$2.34B	10.4	11.2%	6.9%
AMAL	$1.15B	11.0	13.7%	1.1%
MOFG	$1.02B	17.4	10.0%	1.6%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

0.0%

温和增长

4季度净利润复合增长率

1.4%

盈利能力缓慢改善

现金流稳定性

100%

现金流表现优异

深度研究

下次财报:2026年4月22日

每股收益:-

营业收入:-

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据