MidWestOne insider boosts stake to 93,856 shares in small buy

Rhea-AI Filing Summary

Director Tracy S. McCormick disclosed a modest open-market purchase of MidWestOne Financial Group (MOFG) stock. On 08/04/2025 she bought 200 common shares at $26.83 per share (transaction code “P”), bringing her directly held position to 93,856 shares. The Form 4, filed 08/05/2025, shows no accompanying derivative transactions, no indication of a Rule 10b5-1 trading plan, and no other changes in ownership. The filing is limited to this single non-derivative purchase and identifies McCormick solely as a Director of the issuer.

Positive

• Insider purchase indicates personal confidence by a board member in MOFG shares.
• Timely Form 4 filing demonstrates adherence to Section 16 reporting requirements.

Negative

• Very small transaction size (200 shares) is unlikely to influence valuation or insider-sentiment models.
• No 10b5-1 plan disclosed, limiting insight into future trading intentions.

Insights

Financial Analyst

TL;DR—Small insider buy; signal positive but immaterial.

The director’s 200-share purchase marginally increases ownership (+0.2% of her stake) and costs roughly $5k at the reported price. Insider buying generally reflects confidence, yet the size is negligible relative to her existing 93.9k shares and MOFG’s float, so market impact should be muted. No derivatives or 10b5-1 plan lowers complexity. Overall, the filing is informational rather than materially catalytic.

Corporate Governance Specialist

TL;DR—Governance neutral; routine Section 16 compliance.

The timely Form 4 satisfies Section 16(a) obligations and reveals transparent reporting by management. Absence of derivative positions or complex structures suggests straightforward equity alignment. However, the minimal trade size limits any substantive shift in incentive alignment or governance risk profile. Impact on shareholder perception is therefore neutral.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McCormick Tracy S

(Last) (First) (Middle)

102 S. CLINTON STREET

P.O. BOX 1700

(Street)

IOWA CITY IA 52244-1700

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
MidWestOne Financial Group, Inc. [ MOFG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/04/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/04/2025		P		200	A	$26.83	93,856	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	Kenneth R. Urmie, Deputy Corporate Secretary, for Tracy S. McCormick under Power of Attorney dated April 27, 2023	08/05/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

How many MOFG shares did Director Tracy S. McCormick buy?

200 common shares were purchased.

At what price were the MOFG shares purchased?

The reported purchase price was $26.83 per share.

What is McCormick’s total direct ownership after the trade?

She now directly holds 93,856 MOFG shares.

Was the transaction a purchase or a sale?

The Form 4 codes the transaction as “P” – a purchase.

Did the filing report any derivative securities activity?

No; Table II shows no derivative transactions.

Is the trade part of a Rule 10b5-1 plan?

The 10b5-1 checkbox is not marked, indicating no such plan was referenced.