DDM Analysis: MOFG

Valuation Snapshot

Stable Growth	$87.44 - $392.88	$152.98
Multi-Stage	$53.88 - $58.89	$56.34
Blended Fair Value	$104.66
Current Price	$28.29
Upside	269.96%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	7.54%	12.99%	0.79	0.73	0.71	0.69	0.68	0.55	0.46	0.39	0.35	0.30
YoY Growth	-	-	8.50%	2.33%	4.12%	0.75%	23.52%	20.36%	18.29%	10.17%	15.34%	30.32%
Dividend Yield	-	-	2.68%	3.20%	2.93%	2.07%	2.20%	2.63%	1.60%	1.16%	1.03%	1.11%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	58.46
(-) Cash Dividends Paid (M)	18.96
(=) Cash Retained (M)	39.50

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	11.69	7.31	4.38
Cash Retained (M)	39.50	39.50	39.50
(-) Cash Required (M)	-11.69	-7.31	-4.38
(=) Excess Retained (M)	27.81	32.19	35.11
(/) Shares Outstanding (M)	20.82	20.82	20.82
(=) Excess Retained per Share	1.34	1.55	1.69
LTM Dividend per Share	0.91	0.91	0.91
(+) Excess Retained per Share	1.34	1.55	1.69
(=) Adjusted Dividend	2.25	2.46	2.60
WACC / Discount Rate	8.21%	8.21%	8.21%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$87.44	$152.98	$392.88
Upside / Downside	209.10%	440.76%	1,288.75%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	58.46	62.26	66.31	70.62	75.21	80.10	82.50
Payout Ratio	32.44%	43.95%	55.46%	66.98%	78.49%	90.00%	92.50%
Projected Dividends (M)	18.96	27.36	36.78	47.30	59.03	72.09	76.31

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.21%	8.21%	8.21%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	25.05	25.29	25.53
Year 2 PV (M)	30.82	31.41	32.00
Year 3 PV (M)	36.29	37.33	38.39
Year 4 PV (M)	41.46	43.05	44.69
Year 5 PV (M)	46.35	48.59	50.91
PV of Terminal Value (M)	941.58	987.06	1,034.28
Equity Value (M)	1,121.54	1,172.72	1,225.80
Shares Outstanding (M)	20.82	20.82	20.82
Fair Value	$53.88	$56.34	$58.89
Upside / Downside	90.46%	99.15%	108.16%

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MidWestOne Financial Group, Inc. (MOFG)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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