MidWestOne Financial Group, Inc.

MOFG

MOFGMidWestOne Financial Group, Inc. US flag

NASDAQ Global Select

49.31

USD

+1.13

- -

1.02BMarket Cap

Income Statement (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Sales/Revenue/Turnover	63	64	69	69	70	111	123	127	128	175	192	199	214	163	69
+ Sales & Services Revenue	63	64	69	69	70	111	123	127	128	175	192	199	214	163	69
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	26	25	32	26	26	43	51	52	54	70	72	76	84	83	89
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-26	-25	-32	-26	-26	-43	-51	-52	-54	-70	-72	-76	-84	-83	-89
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-14	-18	-22	-25	-26	-33	-27	-29	-38	-50	-13	-89	-77	-25	84
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-14	-18	-22	-25	-26	-33	-27	-29	-38	-50	-13	-89	-77	-25	84
Pretax Income	14	18	22	25	26	33	27	29	38	50	13	89	77	25	-84
- Income Tax Expense (Benefit)	3	5	5	7	7	8	7	10	8	7	7	20	16	4	-24
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	10	13	17	19	19	25	20	19	30	44	7	69	61	21	-60
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	10	13	17	19	19	25	20	19	30	44	7	69	61	21	-60
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	10	13	17	19	19	25	20	19	30	44	7	69	61	21	-60
- Preferred Dividends	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	9	13	17	19	19	25	20	19	30	44	7	69	61	21	-60
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	6	5	5	5	3	7	8	8	9	3	5	2	10	13	8
EBITDA Margin (%)	9.05	8.35	7.87	7.51	3.88	5.89	6.84	6.67	7.04	1.57	2.38	0.79	4.75	7.73	11.11
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	15.96	20.9	24	27.09	26.4	22.57	16.57	14.78	23.62	24.95	3.46	34.96	28.44	12.83	-87.01
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.29	0.28	0.36	0.5	0.58	0.61	0.64	0.67	0.78	0.77	0.88	0.9	0.95	0.97	0.97
Depreciation Expense	6	5	5	5	3	7	8	8	9	3	5	2	10	13	8
Basic Weighted Avg Shares	9	9	8	8	8	10	11	12	12	15	16	16	16	16	17
Basic EPS, GAAP	1.08	1.47	1.95	2.19	2.2	2.42	1.78	1.55	2.48	2.93	0.41	4.38	3.89	1.33	-3.54
Basic EPS from Cont Ops	1.18	1.55	1.95	2.19	2.2	2.42	1.78	1.55	2.48	2.93	0.41	4.38	3.89	1.33	-3.54
Diluted Weighted Avg Shares	9	9	9	9	8	10	11	12	12	15	16	16	16	16	17
Diluted EPS, GAAP	1.07	1.47	1.94	2.18	2.2	2.42	1.78	1.55	2.48	2.93	0.41	4.37	3.87	1.33	-3.54
Diluted EPS from Cont Ops	1.17	1.54	1.94	2.18	2.2	2.42	1.78	1.55	2.48	2.93	0.41	4.37	3.87	1.33	-3.54

Balance Sheet (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	20	567	604	523	498	474	521	496	460	859	1,740	2,492	1,240	877	1,533
+ Cash & Cash Equivalents	20	33	46	25	23	47	43	50	45	73	82	204	86	82	205
+ ST Investments	- -	534	558	499	475	427	478	445	414	786	1,657	2,288	1,154	795	1,328
+ Accounts & Notes Receiv	11	13	13	12	13	17	15	21	17	21	22	20	29	31	35
+ Accounts Receivable, Net	11	13	13	12	13	16	15	18	15	19	22	20	27	30	26
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	1	- -	3	2	2	- -	- -	2	2	8
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-30	-579	-617	-536	-511	-491	-536	-516	-477	-880	-1,762	-2,512	-1,269	-908	-1,568
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	27	26	26	28	38	76	75	76	76	95	90	86	90	88	92
+ Property, Plant & Equip	50	51	49	53	63	102	99	103	106	130	129	127	134	135	142
- Accumulated Depreciation	24	25	24	25	25	26	24	27	30	35	39	41	45	47	49
+ LT Investments & Receivables	466	536	590	531	526	546	646	643	610	786	1,657	2,288	2,283	1,870	1,328
+ LT Investments	466	536	590	531	526	546	646	643	610	786	1,657	2,288	2,283	1,870	1,328
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-493	-562	-616	-559	-564	-622	-721	-719	-686	-881	-1,747	-2,374	-2,373	-1,958	-1,421
+ Total Intangible Assets	11	12	11	11	11	86	82	79	77	131	93	89	106	100	107
+ Goodwill	- -	- -	- -	- -	- -	65	65	65	65	92	62	62	62	62	70
+ Other Intangible Assets	11	12	11	11	11	21	17	14	13	39	30	26	44	37	37
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-504	-574	-627	-570	-575	-708	-803	-798	-763	-1,012	-1,840	-2,463	-2,479	-2,058	-1,528
Total Assets	1,581	1,695	1,793	1,755	1,800	2,980	3,080	3,212	3,291	4,654	5,557	6,025	6,578	6,428	6,236
+ Payables & Accruals	2	2	1	1	1	2	1	1	2	- -	- -	- -	- -	- -	- -
+ Accounts Payable	2	2	1	1	1	2	1	1	2	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	57	22	56	- -	236	10	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	57	22	56	- -	236	10	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-2	-2	-1	-1	-1	-2	-1	-1	-59	-22	-56	- -	-236	-10	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-2	-2	-1	-1	-1	-2	-1	-1	-59	-22	-56	- -	-236	-10	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	143	155	136	122	108	133	156	151	169	232	209	155	139	123	113
+ LT Borrowings	143	155	136	122	108	133	156	151	167	230	208	154	138	123	113
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1	- -
+ Other LT Liabilities	-143	-155	-136	-122	-108	-133	-156	-151	-169	-232	-209	-155	-139	-123	-113
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-143	-155	-136	-122	-108	-133	-156	-151	-169	-232	-209	-155	-139	-123	-113
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,423	1,539	1,619	1,577	1,608	2,684	2,774	2,872	2,934	4,145	5,041	5,498	6,085	5,903	5,677
+ Preferred Equity and Hybrid Capital	16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	90	89	89	89	89	175	175	200	200	314	317	318	319	319	437
+ Common Stock	9	9	9	9	9	12	12	12	12	17	17	17	17	17	22
+ Additional Paid in Capital	81	80	80	81	81	163	164	187	188	297	300	301	302	302	415
- Treasury Stock	1	2	3	4	7	6	6	5	6	10	14	25	26	24	22
+ Retained Earnings	56	66	77	91	105	124	137	148	169	201	188	243	289	295	218
+ Other Equity	-2	3	11	1	5	3	-1	-3	-6	4	25	-9	-89	-65	-73
Equity Before Minority Interest	158	156	174	178	193	296	305	340	357	509	515	527	493	524	560
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	158	156	174	178	193	296	305	340	357	509	515	527	493	524	560
Total Liabilities & Equity	1,581	1,695	1,793	1,755	1,800	2,980	3,080	3,212	3,291	4,654	5,557	6,025	6,578	6,428	6,236
Shares Outstanding	9	9	8	8	8	11	11	12	12	16	16	16	16	16	21
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1	- -
Net Debt	123	123	89	97	85	86	113	101	179	179	182	-50	287	51	-92
Net Debt to Equity	77.54	78.5	51.25	54.76	44.13	29.09	36.98	29.68	50.08	35.22	35.25	-9.46	58.34	9.76	-16.42
Tangible Common Equity Ratio	8.38	8.61	9.15	9.57	10.18	7.26	7.46	8.34	8.7	8.35	7.73	7.39	5.97	6.71	7.39
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
+ Net Income	10	13	17	19	19	25	20	19	30	44	7	69	61	21	-60
+ Depreciation & Amortization	6	5	5	5	3	7	8	8	9	3	5	2	10	13	8
+ Non-Cash Items	5	2	-1	1	4	5	6	21	8	7	2	44	20	26	116
+ Stock-Based Compensation	- -	- -	- -	- -	- -	1	1	1	1	1	1	2	3	2	2
+ Deferred Income Taxes	- -	- -	- -	-1	3	1	-3	1	-1	3	-5	2	4	- -	-24
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	32	- -	1	- -	- -
+ Other Non-Cash Adj	5	2	-2	2	1	3	7	20	8	3	-26	39	13	24	138
+ Chg in Non-Cash Work Cap	- -	4	2	3	-2	-4	3	-7	-5	-6	-4	-3	-1	3	- -
+ (Inc) Dec in Accts Receiv	1	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	6	1	-1	-1	-6	1	-2	4	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	-1	-3	- -	5	-1	2	2	-5	-9	-6	-4	-3	-1	3	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	20	24	23	28	23	33	38	41	43	47	9	112	90	63	63
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	2	- -	5	- -	- -	1	2	- -	1	- -	1	1	- -	1	- -
+ Disp of Fixed Prod Assets	2	- -	5	- -	- -	1	2	- -	1	- -	1	1	- -	1	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-3	-3	-4	-5	-12	-15	-6	-5	-6	-2	-2	-2	-3	-4	-2
+ Acq of Fixed Prod Assets	-3	-3	-4	-5	-12	-15	-6	-5	-6	-2	-2	-2	-3	-4	-2
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	-1	-2	-1	-4	8	- -	26	-2	-5	-5	-12	-3	- -	119
+ Increase in Capital Stock	- -	- -	- -	- -	- -	8	- -	26	- -	- -	- -	- -	- -	- -	119
+ Decrease in Capital Stock	- -	-1	-2	-1	-4	- -	- -	- -	-2	-5	-5	-12	-3	- -	- -
+ Net Change in LT Investment	-99	-60	-54	41	11	138	-109	- -	26	-65	-845	-681	10	423	439
+ Dec in LT Investment	197	138	149	117	99	192	120	107	94	225	295	457	397	513	1,288
+ Inc in LT Investment	-296	-198	-203	-76	-88	-55	-229	-107	-68	-290	-1,140	-1,138	-388	-91	-849
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	48	- -	- -	31	- -	15
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	48	- -	- -	31	- -	44
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-29
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	33	-35	-36	-42	-47	-119	-11	-144	-115	91	-21	254	-312	-290	-139
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-67	-98	-88	-5	-47	5	-124	-149	-94	73	-867	-428	-273	130	312
+ Dividends Paid	-3	-2	-3	-4	-5	-6	-7	-8	-10	-11	-14	-14	-15	-15	-17
+ Net Cash From Debt	-3	13	-20	-13	-14	4	23	-5	16	-8	70	-103	193	-16	-10
+ Cash From Debt	40	56	20	166	26	49	50	215	110	60	156	- -	234	- -	4
+ Repayments of Debt	-43	-43	-40	-179	-40	-45	-27	-220	-94	-68	-87	-103	-41	-16	-14
+ Other Financing Activities	45	77	105	-27	45	-19	66	103	42	-68	817	567	-110	-166	-344
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	39	87	80	-45	23	-14	82	115	46	-92	867	438	66	-197	-252
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-7	12	15	-22	-1	24	-4	8	-5	28	9	121	-117	-5	123
EBITDA	6	5	5	5	3	7	8	8	9	3	5	2	10	13	8
EBITDA Margin (%)	9.05	8.35	7.87	7.51	3.88	5.89	6.84	6.67	7.04	1.57	2.38	0.79	4.75	7.73	11.11
Free Cash Flow	17	21	19	24	11	18	33	36	37	45	7	110	88	59	61
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	-48	- -	- -	-31	- -	-15
Free Cash Flow to Firm	17	21	19	24	11	18	33	36	37	45	7	110	88	59	- -
Free Cash Flow to Equity	16	18	4	10	-3	23	58	31	54	37	77	7	280	44	51
Free Cash Flow per Basic Share	1.99	2.44	2.24	2.8	1.3	1.72	2.85	3	3.03	3.03	0.44	6.9	5.6	3.73	3.57
Price/Free Cash Flow	3.79	3.34	4.8	5.16	5.1	5.06	7.66	6.97	5.1	9.1	30.37	4.06	4.94	6.12	7.56
Cash Flow to Net Income	2.02	1.78	1.36	1.52	1.26	1.3	1.87	2.2	1.41	1.08	1.38	1.61	1.48	3	-1.05
Capital Expenditures	-3	-3	-4	-5	-12	-15	-6	-5	-6	-2	-2	-2	-3	-4	-2