The earnings call presented a mixed picture. While the company demonstrated strong loan and interest income growth, as well as improvements in wealth management and SBA performance, these positives were offset by a significant issue with a CRE loan, which impacted asset quality and raised credit loss provisions. Despite these challenges, the company continues to manage expenses well and has successfully acquired new talent to drive future growth.

Company Guidance -

Q3 2025

During the MidWestOne Financial Group's second quarter 2025 earnings call, the company provided detailed guidance on various performance metrics. The bank reported a 7.4% increase in solid loan growth, which, along with disciplined balance sheet management and back book loan repricing, contributed to a 13 basis point expansion in the tax equivalent net interest margin. The net interest income grew by 5% linked quarter. Wealth management revenues increased by 5% linked quarter, and SBA originations exceeded expectations. Despite a notable $24 million loan moving to nonaccrual status, which impacted asset quality and net income, the criticized asset ratio improved by 32 basis points, and the net charge-offs were just 2 basis points. The allowance for credit losses ratio increased to 1.50% due to a specific reserve established for the nonaccrual loan. The company also revised its annual expense guidance to a range of $146 million to $148 million, reflecting recent talent investments. Overall, the bank remains optimistic about its strategic initiatives and growth prospects for the remainder of 2025.

Loan and Net Interest Income Growth

Solid loan growth of 7.4% and a 13 basis point expansion in the tax equivalent net interest margin resulted in 5% linked quarter net interest income growth.

Wealth Management and SBA Performance

Wealth management revenues increased by 5% linked quarter, and SBA fee income doubled year-to-date compared to the same period last year. MidWestOne is now in the top 10% nationally for SBA 7(a) production.

New Talent Acquisition

Significant hires in the Twin Cities and Denver, including commercial bankers and wealth management professionals, are expected to positively impact the organization.

Strong Core Net Interest Margin

Core net interest margin expanded by 13 basis points to 3.49%, largely due to higher earning asset yields and lower interest-bearing liabilities costs.

Expense Management

Noninterest expenses decreased by $0.5 million from the linked quarter, driven by receipt of $1.1 million in tax credit funds and decreased data processing expenses.

Midwestone Financial Group (MOFG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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MOFG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.82 / -	-6.05	―	―	―
Jul 25, 2025	2025 (Q2)	0.77 / 0.48	1	-52.00% (-0.52)
Apr 24, 2025	2025 (Q1)	0.73 / 0.73	0.21	247.62% (+0.52)
Jan 23, 2025	2024 (Q4)	0.72 / 0.78	0.17	358.82% (+0.61)
Oct 24, 2024	2024 (Q3)	0.55 / -6.05	0.58	-1143.10% (-6.63)
Jul 25, 2024	2024 (Q2)	0.50 / 1.00	0.48	108.33% (+0.52)
Apr 25, 2024	2024 (Q1)	0.36 / 0.21	0.09	133.33% (+0.12)
Jan 25, 2024	2023 (Q4)	0.49 / 0.17	1.02	-83.33% (-0.85)
Oct 26, 2023	2023 (Q3)	0.57 / 0.58	1.17	-50.43% (-0.59)
Aug 01, 2023	2023 (Q2)	0.68 / 0.48	0.8	-40.00% (-0.32)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

MOFG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$28.00	$28.44	+1.57%
Apr 24, 2025	$28.22	$28.00	-0.78%
Jan 23, 2025	$29.70	$30.48	+2.63%
Oct 24, 2024	$28.54	$27.59	-3.33%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Midwestone Financial Group (MOFG) report earnings?

Midwestone Financial Group (MOFG) is schdueled to report earning on Oct 23, 2025, TBA (Confirmed).

What is Midwestone Financial Group (MOFG) earnings time?

Midwestone Financial Group (MOFG) earnings time is at Oct 23, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is MOFG EPS forecast?

MOFG EPS forecast for the fiscal quarter 2025 (Q3) is 0.82.

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