MOFG Stock Analysis: Buy, Sell, or Hold?
MOFG - MidWestOne Financial Group
$49.31
1.13 (2.35%)
▲
5d:
+2.35%
30d:
+19.34%
90d:
+25.47%
BUY
MODERATE Confidence
Analysis Updated: Feb 13, 2026 12:00 AM ET
Earnings: Apr 23, 2026
17d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: MOFG shows positive signals but monitor for confirmation. Market pricing in 4.3% growth. Moderate conviction.
💡 BUY OPPORTUNITY: MOFG shows positive signals but monitor for confirmation. Market pricing in 4.3% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$84.69
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$52.59
6.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: MOFG is currently trading at $49.31, which is considered fair based on recent price action. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.9) compared to its historical average (11.4). At these levels, the market is pricing in 4.3% annual earnings growth.
Technical Outlook: Technically, MOFG is in a strong uptrend. The price is approaching resistance at $49.69. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $37.33. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, MOFG is in a strong uptrend. The price is approaching resistance at $49.69. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $37.33. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Company Quality Score
63/100
(BUY)
Volume Confirmation
UNKNOWN
Confidence Score
61.4%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BEARISH: Trading 24.3% above Wall St target ($37.33)
- BULLISH: Expecting earnings turnaround to 4.3% growth with -14.6% revenue growth
Support & Resistance Levels
Support Level
$46.17
Resistance Level
$49.69
Current Trend
Strong Uptrend
Technical data as of
Feb 13, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.93
Wall Street Target
$37.33
(-24.3%)
Revenue Growth (YoY)
-14.6%
Earnings Growth (YoY)
-52.1%
Profit Margin
26.4%
Valuation Premium vs History
+4.3% premium
PE vs Historical
12.9 vs 11.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.3%
(market-implied from PE analysis)
1-Year Target
$51.43
(+4%)
2-Year Target
$53.64
(+9%)
3-Year Target
$55.95
(+14%)
3-Yr Target (if PE normalizes)
(PE: 13→11)
PE COMPRESSION
$49.35
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.6, Growth: 28.9%)
$184.51
(+274%)
Base:
(SPY PE: 12.9, Growth: 28.9%)
$105.57
(+114%)
Bear:
(PE: 11.0, Growth: 28.9%)
$89.74
(+82%)
Share & Embed Analysis
Last updated: April 05, 2026 9:02 AM ET
Data refreshes hourly during market hours. Next update: 10:02 AM
Data refreshes hourly during market hours. Next update: 10:02 AM
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Technical Signals Check
Is MOFG showing a specific setup today?
Insider Activity (6 Months)
3
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Charles N Reeves
BUY
760 shares
2025-11-03
Charles N Reeves
BUY
1450 shares
2025-10-31
Charles N Reeves
BUY
1550 shares
2025-10-30
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