MidWestOne Financial Group (NASDAQ: MOFG) is one of 210 public companies in the “Commercial Banks” industry, but how does it compare to its rivals? We will compare MidWestOne Financial Group to similar businesses based on the strength of its profitability, earnings, risk, valuation, institutional ownership, dividends and analyst recommendations.

Volatility and Risk

MidWestOne Financial Group has a beta of 1.23, suggesting that its share price is 23% more volatile than the S&P 500. Comparatively, MidWestOne Financial Group’s rivals have a beta of 0.74, suggesting that their average share price is 26% less volatile than the S&P 500.

Insider and Institutional Ownership

46.6% of MidWestOne Financial Group shares are held by institutional investors. Comparatively, 46.5% of shares of all “Commercial Banks” companies are held by institutional investors. 25.3% of MidWestOne Financial Group shares are held by insiders. Comparatively, 11.6% of shares of all “Commercial Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent ratings and target prices for MidWestOne Financial Group and its rivals, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MidWestOne Financial Group 0 1 1 0 2.50
MidWestOne Financial Group Competitors 360 2841 2308 66 2.37

MidWestOne Financial Group presently has a consensus target price of $38.50, indicating a potential upside of 13.50%. As a group, “Commercial Banks” companies have a potential upside of 8.02%. Given MidWestOne Financial Group’s stronger consensus rating and higher possible upside, analysts clearly believe MidWestOne Financial Group is more favorable than its rivals.

Earnings & Valuation

This table compares MidWestOne Financial Group and its rivals revenue, earnings per share and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
MidWestOne Financial Group $135.76 million $20.39 million 16.71
MidWestOne Financial Group Competitors $343.33 million $72.32 million 18.46

MidWestOne Financial Group’s rivals have higher revenue and earnings than MidWestOne Financial Group. MidWestOne Financial Group is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Dividends

MidWestOne Financial Group pays an annual dividend of $0.68 per share and has a dividend yield of 2.0%. MidWestOne Financial Group pays out 33.5% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.9% and pay out 34.6% of their earnings in the form of a dividend. MidWestOne Financial Group is clearly a better dividend stock than its rivals, given its higher yield and lower payout ratio.

Profitability

This table compares MidWestOne Financial Group and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MidWestOne Financial Group 17.35% 7.38% 0.79%
MidWestOne Financial Group Competitors 20.46% 8.73% 0.92%

Summary

MidWestOne Financial Group beats its rivals on 8 of the 15 factors compared.

About MidWestOne Financial Group

MidWestOne Financial Group, Inc. is a bank holding and financial holding company. The Company operates through its bank subsidiaries, MidWestOne Bank, Central Bank and MidWestOne Insurance Services, Inc. that operates through three agencies located in central and east-central Iowa. As of December 31, 2016, the Bank operated a total of 43 banking offices in Iowa, Minnesota, Wisconsin, and Florida. It provides full service retail banking in the communities in which its branch offices are located and also offers trust and investment management services. The Bank offers deposit products, including checking and other demand deposit accounts, negotiable order of withdrawal (NOW) accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts and other time deposits. The Bank offers commercial and industrial, agricultural, real estate mortgage and consumer loans.

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