The earnings call presented a generally positive outlook with solid loan growth, fee income improvements, and strategic talent acquisitions. However, a significant nonaccrual loan impacted asset quality metrics. Despite this challenge, the company shows strong underlying earnings momentum and improved asset quality metrics.

Company Guidance -

Q3 2025

During the MidWestOne Financial Group's second quarter 2025 earnings call, the company provided several key metrics and forward-looking guidance. The bank reported a solid loan growth of 7.4%, contributing to a 13 basis point expansion in their tax equivalent net interest margin, which reached 3.57%, and a 5% linked quarter net interest income growth. The bank expects mid-single-digit loan growth for the remainder of 2025, supported by recent talent acquisitions in the Twin Cities and Denver. Wealth management revenues rose by 5% linked quarter, while SBA fee income doubled compared to the previous year, positioning MidWestOne in the top 10% nationally for SBA 7(a) production. Despite a single $24 million nonaccrual loan impacting asset quality and increasing the allowance for credit losses ratio to 1.50%, overall asset quality metrics improved, with a criticized asset ratio decreasing by 32 basis points. The bank also revised its 2025 annual expense guidance to a range of $146 million to $148 million, reflecting recent talent investments. Net income for the quarter was $10 million, or $0.48 per diluted share, with a CET1 ratio of 11.02% as of June 30, 2025.

Solid Loan Growth and Net Interest Margin Expansion

MidWestOne achieved a solid loan growth of 7.4%, contributing to a 13 basis point expansion in tax equivalent net interest margin and a 5% linked quarter net interest income growth.

Strong Performance in Fee Income Businesses

Wealth management revenues increased by 5% linked quarter, and SBA originations and gain on sale exceeded expectations. Year-to-date, SBA fee income is double compared to the same period last year.

Strategic Talent Acquisitions

The company made significant commercial banker hires in the Twin Cities and Denver, enhancing its talent base to support future growth.

Improved Asset Quality Metrics

Despite a significant loan moving to nonaccrual, the criticized asset ratio decreased by 32 basis points, and net charge-offs were only 2 basis points, indicating improved asset quality metrics.

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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