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Merchants Financial Group, Inc. (MFGI)
Winona, MN, US
Merchants Financial Group, Inc. (MFGI) functions as the parent entity for Merchants Bank, National Association. Through its subsidiary, it delivers a broad array of financial products and services tailored for individuals, households, and businesses across the United States. The institution's core offerings include diverse account options such as checking, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs). Additionally, customers can access various card services, including debit, gift, travel, and credit cards. For personal financing needs, MFGI extends credit for vehicles like cars, boats, trailers, motorcycles, tractors, and RVs, as well as for home furnishings or appliances, and debt consolidation. Its comprehensive lending portfolio further encompasses mortgage, construction, home equity, and term loans, alongside financing solutions for commercial and residential real estate, equipment, floor plans, fleet vehicles, and small businesses. Specialized agricultural financing is also available, covering working capital, input expenses, machinery, and property enhancements for farming operations. Beyond these, the company delivers investment and trust services, sophisticated treasury management solutions, and convenient mobile and online banking platforms. The bank maintains a physical presence through branches situated across numerous communities. These include Winona, Goodview, Rushford, Lanesboro, St. Charles, Rochester, La Crescent, Caledonia, Spring Grove, Cannon Falls, Red Wing, Hampton, Hastings, Apple Valley, Lakeville, Cottage Grove, Rosemount, and Northfield in Minnesota, as well as Onalaska and Eau Claire in Wisconsin. Established in 1875, MFGI's corporate headquarters are located in Winona, Minnesota.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +5.56% | +7.04% | +33.24% | +18.79% | +52.00% | +43.13% | +52.00% | +153.33% | +985.71% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
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Revenue growth+7.4% Q1'26: +4.9% (vs Q1'25)
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EPS growth+71.8% Q1'26: +27.8% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +22.5% (vs Q1'25)
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ROIC— Q1'26: +27.8% (vs Q1'25)
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Share dilution-1.5% Q1'26: -0.1% (vs Q1'25)
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Debt / EBITDA— Q1'26: 0.70× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | A | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-20 | A | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-14 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-13 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-07 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-04 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-01 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Andrew J. Guzzo | Chief Banking Officer & President of Winona | — | male |
| Cindy L. Harrison | Chief Credit Officer | — | female |
| Daniel D. Massett | Regional President of North Region | — | male |
| David A. Schlauderaff | President of Merchants Bank Equipment Finance | — | male |
| Erick Maki | Regional President of South Region | — | male |
| Gregory Evans | President, Chief Executive Officer & Director | — | male |
| Julie Carstensen | Chief Operations/Process Officer | — | female |
| Mary R. Gordon | Vice President & Director of Marketing | — | female |
| Richard Barry | President of Merchants Bank Equipment Finance | — | — |
| Steve Molander | Chief Information Officer | — | male |
| Susan Savat | Senior Vice President & Chief Financial Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for MFGI
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
