MidWestOne Financial Group
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
10.47
Price/Sales ratio
2.09
Earnings per Share (EPS)
$2.72

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
13.0712.5421.0721.589.9912.3459.567.398.1620.22-6.2512.34
Price/Sales ratio
3.452.833.493.182.353.082.052.582.322.594.072.35
Price/Book Value ratio
1.251.061.401.180.841.050.760.971.000.800.821.05
Price/Cash Flow ratio
10.409.6311.259.847.0911.3843.074.605.506.7411.547.09
Price/Free Cash Flow ratio
22.1217.6613.2011.218.1811.9356.104.695.667.2116.508.18
Price/Earnings Growth ratio
28.631.25-0.79-1.670.160.68-0.690.00-0.73-0.300.360.16
Dividend Yield
2.01%2.01%1.70%1.99%3.14%2.13%3.59%2.77%2.99%3.60%3.31%3.14%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%56.20%100%
Operating Profit Margin
55.27%43.76%36.17%38.21%47.22%28.70%6.95%45.02%51.94%15.27%1.68%28.70%
Pretax Profit Margin
36.41%29.59%22.14%22.97%29.48%28.70%6.95%45.02%35.81%15.27%-68.65%28.70%
Net Profit Margin
26.39%22.57%16.56%14.77%23.56%24.94%3.45%34.96%28.44%12.82%-49.45%24.94%
Effective Tax Rate
27.51%23.73%25.17%35.68%20.06%13.09%50.28%22.34%20.57%16.00%27.96%20.06%
Return on Assets
1.02%0.84%0.66%0.58%0.92%0.93%0.11%1.15%0.92%0.32%-1.12%0.93%
Return On Equity
9.61%8.48%6.67%5.49%8.50%8.57%1.28%13.17%12.34%3.97%-13.69%8.57%
Return on Capital Employed
2.15%1.63%1.44%1.50%1.84%1.11%0.25%1.53%1.75%0.85%0.04%1.11%
Liquidity Ratios
Current Ratio
0.010.010.010.010.010.010.04N/AN/AN/A4.120.01
Quick Ratio
1.41K1.50K1.54K1.68K1.38K7.128.1415.155.940.024.127.12
Cash ratio
27.1231.1429.3635.2124.870.520.351.120.360.020.170.52
Days of Sales Outstanding
66.2355.4945.0560.1767.0973.70N/A60.3273.53N/A80.1867.09
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A80.18N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A80.18N/A
Debt Ratios
Debt Ratio
0.060.040.050.040.050.050.070.020.080.060.080.05
Debt Equity Ratio
0.560.440.510.440.460.490.850.291.070.790.930.46
Long-term Debt to Capitalization
0.360.310.330.300.310.310.280.220.220.180.160.31
Total Debt to Capitalization
0.360.310.330.300.310.330.460.220.510.440.480.31
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A5.68N/AN/AN/A0.02N/A
Cash Flow to Debt Ratio
0.210.240.240.270.250.180.020.720.170.150.070.18
Company Equity Multiplier
9.3410.0610.089.439.219.1410.7811.4213.3412.2511.659.21
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.330.290.310.320.330.270.040.560.420.380.260.27
Free Cash Flow / Operating Cash Flow Ratio
0.470.540.850.870.860.950.760.980.970.930.920.86
Cash Flow Coverage Ratio
0.210.240.240.270.250.180.020.720.170.150.070.18
Short Term Coverage Ratio
N/AN/AN/AN/AN/A2.140.03N/A0.230.200.092.14
Dividend Payout Ratio
26.28%25.25%35.88%43.10%31.41%26.30%214.02%20.55%24.44%72.94%-20.67%26.30%