NASDAQ$MOFG
Midwestone Financial Group I · Q4 2024 earnings
Q4 2024 earnings · · Investor relations
Briefing
Reported net income of $16.3 million with return on average assets of 1.03%. Net interest margin (tax equivalent) was 3.43% and the efficiency ratio improved to 59.06%.
MidwestOne Financial Group, Inc. reported a strong fourth quarter with net income of $16.3 million, or $0.78 per diluted common share. The company's return on average assets reached 1.03%, driven by net interest margin expansion. Core deposits and noninterest bearing deposits increased, and asset quality metrics improved.
- Net income was $16.3 million, or $0.78 per diluted common share.
- Return on average assets reached 1.03%.
- Net interest margin (tax equivalent) was 3.43%, with core net interest margin expanding to 3.26%.
- Efficiency ratio improved to 59.06%.
Headline financials
Revenue & EPS history
MidwestOne · Revenue · Quarterly
$48.9M
Revenue by segment
MidwestOne · $9.12M total across 6 segments · Q1 2023
- Investment services & trust$2.93M—32.1%
- Service charges & fees$2.01M—22.0%
- Card revenue$1.75M—19.2%
- Loan revenue$1.42M—15.6%
- Bank-owned life insurance$602K—6.6%
- Other$413K—4.5%
Forward guidance
The effective income tax rate for the full year 2025 is expected to be 22-24%.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 7 quarterly earnings reports · overlaid with Q4 2024
+0.5%
Avg return
Earnings day
+3.6%
Avg return
5 days after
+8.6%
Avg return
30 days after
48%
31 / 64 earnings
Positive
+39.4%
Q3 2025
Best reaction
-10.6%
Q1 2020
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q4 2025 | — | — | — | |
| Q3 2025 | +39.4% | +27.0% | +32.8% | |
| Q2 2025 | -3.9% | -4.3% | +4.0% | |
| Q1 2025 | -0.8% | -2.5% | -0.5% | |
| Q4 2024 | +2.9% | +6.3% | +3.2% | |
| Q3 2024 | -3.3% | -0.2% | +15.3% | |
| Q2 2024 | +5.0% | +5.1% | +6.4% | |
| Q1 2024 | -4.8% | -5.9% | -0.5% | |
| Q4 2023 | +0.5% | — | — | |
| Q3 2023 | +1.1% | — | — | |
| Q2 2023 | -3.3% | — | — | |
| Q1 2023 | +1.5% | — | — | |
| Q4 2022 | -5.8% | — | — | |
| Q3 2022 | +6.2% | — | — | |
| Q2 2022 | -1.1% | — | — | |
| Q1 2022 | -0.7% | — | — | |
| Q4 2021 | -1.3% | — | — | |
| Q3 2021 | +5.9% | — | — | |
| Q2 2021 | -0.7% | — | — | |
| Q1 2021 | +1.5% | — | — | |
| Q4 2020 | -2.8% | — | — | |
| Q3 2020 | +0.2% | — | — | |
| Q2 2020 | +3.3% | — | — | |
| Q1 2020 | -10.6% | — | — | |
| Q4 2019 | -0.5% | — | — | |
| Q3 2019 | -1.2% | — | — | |
| Q2 2019 | +6.6% | — | — | |
| Q1 2019 | -3.1% | — | — | |
| Q4 2018 | +1.1% | — | — | |
| Q3 2018 | -2.2% | — | — | |
| Q2 2018 | -3.1% | — | — | |
| Q1 2018 | -2.5% | — | — | |
| Q4 2017 | -2.5% | — | — | |
| Q3 2017 | -1.7% | — | — | |
| Q2 2017 | +0.0% | — | — | |
| Q1 2017 | +0.1% | — | — | |
| Q4 2014 | -0.2% | — | — | |
| Q4 2015 | -0.2% | — | — | |
| Q4 2016 | -2.7% | — | — | |
| Q3 2016 | -1.2% | — | — | |
| Q2 2016 | -0.2% | — | — | |
| Q1 2016 | -0.5% | — | — | |
| Q3 2015 | -3.8% | — | — | |
| Q2 2015 | +0.3% | — | — | |
| Q1 2015 | -0.8% | — | — | |
| Q3 2014 | +5.7% | — | — | |
| Q2 2014 | -0.6% | — | — | |
| Q1 2014 | +4.6% | — | — | |
| Q4 2013 | +1.3% | — | — | |
| Q3 2013 | -1.0% | — | — | |
| Q2 2013 | +0.8% | — | — | |
| Q1 2013 | -0.2% | — | — | |
| Q4 2012 | +0.7% | — | — | |
| Q4 2011 | +0.7% | — | — | |
| Q3 2012 | -1.8% | — | — | |
| Q2 2012 | +3.9% | — | — | |
| Q1 2011 | +1.6% | — | — | |
| Q1 2012 | +3.3% | — | — | |
| Q4 2009 | +0.3% | — | — | |
| Q3 2011 | +0.9% | — | — | |
| Q3 2010 | +0.9% | — | — | |
| Q4 2010 | +0.6% | — | — | |
| Q2 2011 | +0.6% | — | — | |
| Q2 2010 | +0.6% | — | — | |
| Q1 2010 | +0.1% | — | — |
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