MidWestOne Financial Group, Inc.

NASDAQ•MOFG

執行長: Mr. Charles N. Reeves

板塊: Financial Services

行業: 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.

聯絡資訊

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

319-356-5800

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

市值

$1.02B

本益比 (TTM)

17.4

15.5

股息率

2.0%

52周最高

$49.69

52周最低

$24.62

52周範圍

98%

排名60Top 89.2%

2.1

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

疲弱 • 2.1 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q3 2025 數據

營業收入

$89.20M-257.33%

近4季度走勢

每股收益

$0.82-113.55%

近4季度走勢

自由現金流

$16.75M+0.00%

近4季度走勢

2025 Q3 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
CUBI	$2.60B	11.6	11.2%	6.9%
AMAL	$1.25B	12.0	13.7%	1.1%
MOFG	$1.02B	17.4	10.0%	1.6%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

0.0%

溫和增長

4季度淨利複合增長率

1.4%

盈利能力緩慢提升

現金流穩定性

100%

現金流表現優異

深度研究

下次財報:2026年4月22日

每股收益:$0.84

營業收入:$62.86M

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