The earnings call reflected a mixture of positive aspects, such as increased net income, improved asset quality, and strategic initiatives, alongside challenges like flat loan growth and decreased net interest income. The balance of highlights and lowlights suggests a stable financial performance with room for growth.

Company Guidance -

Q3 2025

During the MidWestOne Financial Group's first quarter 2025 earnings call, several key financial metrics were highlighted. The company reported a net income of $15.1 million, with a return on average assets of 1%. Despite flat loan growth due to elevated payoffs, the core net interest margin improved by 10 basis points. Asset quality metrics showed improvement, with criticized assets decreasing by $24 million (9%) and the nonperforming assets ratio improving by 7 basis points to 0.33%. Charge-offs increased to 29 basis points for the quarter, primarily due to a partial charge-off of a previously reserved CRE loan. The allowance for credit losses remained ample at 1.25% of loans. Additionally, the company's shareholders' equity increased by $20 million to $579.6 million, and the CET1 ratio rose to 10.97%. The core net interest margin increased to 3.36%, driven by a decrease in the cost of interest-bearing liabilities and an expansion in core earning asset yields. The company aims to maintain annual expenses in the range of $145 million to $147 million for 2025.

Increase in Net Income and Return on Assets

Net income for the quarter was $15.1 million, with a return on average assets of 1%.

Improvement in Asset Quality Metrics

Criticized assets decreased by $24 million or 9%, and the nonperforming assets ratio improved by 7 basis points to 0.33%.

Expansion of Core Net Interest Margin

Core net interest margin increased by 10 basis points.

Significant Increase in SBA Gain on Sale Income

SBA gain on sale income rose by 52% from the same period last year.

Strong Loan Origination Activity

Commercial originations were up 4% from the year-ago period and 37% from the linked quarter.

Increase in Shareholders' Equity

Shareholders' equity increased by $20 million to $579.6 million.

Stable Deposit Franchise

Deposits were essentially flat, reflecting stability despite seasonal fluctuations.

Successful Strategic Initiatives

New commercial banker hires and technology investments are expected to enhance future performance.

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)	0.84 / -	-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
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%
Jul 25, 2024	$27.64	$28.10	+1.66%

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 0.84.

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