Head-To-Head Analysis: MidWestOne Financial Group (MOFG) & Fidelity Southern (LION)

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MidWestOne Financial Group (NASDAQ:MOFG) and Fidelity Southern (NASDAQ:LION) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, earnings, valuation, risk, profitability and dividends.

Profitability

This table compares MidWestOne Financial Group and Fidelity Southern’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MidWestOne Financial Group 20.02% 9.11% 0.97%
Fidelity Southern 13.68% 10.25% 0.91%

Volatility and Risk

MidWestOne Financial Group has a beta of 1.07, meaning that its share price is 7% more volatile than the S&P 500. Comparatively, Fidelity Southern has a beta of 0.66, meaning that its share price is 34% less volatile than the S&P 500.

Dividends

MidWestOne Financial Group pays an annual dividend of $0.78 per share and has a dividend yield of 2.6%. Fidelity Southern pays an annual dividend of $0.48 per share and has a dividend yield of 1.5%. MidWestOne Financial Group pays out 30.7% of its earnings in the form of a dividend. Fidelity Southern pays out 29.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. MidWestOne Financial Group has raised its dividend for 6 consecutive years. MidWestOne Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider and Institutional Ownership

46.2% of MidWestOne Financial Group shares are held by institutional investors. Comparatively, 68.7% of Fidelity Southern shares are held by institutional investors. 7.2% of MidWestOne Financial Group shares are held by company insiders. Comparatively, 20.2% of Fidelity Southern shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Valuation and Earnings

This table compares MidWestOne Financial Group and Fidelity Southern’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
MidWestOne Financial Group $151.61 million 2.40 $30.35 million $2.54 11.73
Fidelity Southern $320.30 million 2.68 $43.82 million $1.61 19.52

Fidelity Southern has higher revenue and earnings than MidWestOne Financial Group. MidWestOne Financial Group is trading at a lower price-to-earnings ratio than Fidelity Southern, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of recent ratings and target prices for MidWestOne Financial Group and Fidelity Southern, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MidWestOne Financial Group 0 0 1 0 3.00
Fidelity Southern 0 0 2 0 3.00

MidWestOne Financial Group presently has a consensus price target of $37.00, indicating a potential upside of 24.16%. Fidelity Southern has a consensus price target of $28.50, indicating a potential downside of 9.29%. Given MidWestOne Financial Group’s higher probable upside, equities analysts plainly believe MidWestOne Financial Group is more favorable than Fidelity Southern.

Summary

Fidelity Southern beats MidWestOne Financial Group on 9 of the 16 factors compared between the two stocks.

MidWestOne Financial Group Company Profile

MidWestOne Financial Group, Inc. operates as the bank holding company for MidWestOne Bank that provides commercial and retail banking products and services to individuals, businesses, institutional customers, and government agencies in Iowa, Minnesota, Wisconsin, Florida, and Colorado. It offers deposit products, such as checking and other demand deposit accounts, NOW accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and other time deposits. The company also provides commercial and industrial loans, agricultural loans, commercial and residential real estate loans, and consumer loans. In addition, it offers other products and services comprising debit cards, automated teller machines, online banking, mobile banking, and safe deposit boxes. Further, the company provides various trust and investment services, including administering estates, personal trusts, and conservatorships, as well as property management, farm management, custodial, financial planning, investment management, and retail brokerage services. Additionally, it offers property and casualty insurance products to individuals and small businesses. The company operates a total of 44 banking offices. MidWestOne Financial Group, Inc. was incorporated in 1983 and is headquartered in Iowa City, Iowa.

Fidelity Southern Company Profile

Fidelity Southern Corporation operates as the holding company for Fidelity Bank that provides financial products and services primarily for individuals, and small and medium-sized businesses in the United States. The company accepts noninterest-bearing demand and interest-bearing demand accounts, including money market accounts and savings deposits; and time deposits. It also offers various loans, such as commercial and industrial loans, commercial real estate loans, indirect automobile loans, real estate construction loans, and real estate mortgage loans, as well as consumer loans, including automobile loans, residential mortgage and home equity loans, and secured and unsecured personal loans. In addition, the company offers Internet banking services comprising online bill pay and mobile deposit, and Internet cash management services; and wealth management services, including trust administration, investment management, financial and estate planning, and specialized lending and banking. Further, it provides cash management, remote deposit, and international trade services; and merchant services and credit cards. Additionally, the company operates an insurance agency that offers consumer credit related insurance products; and issues trust preferred securities. As of December 31, 2017, it owned 56 and leased 10 retail bank branches; and leased approximately 30 loan production offices. Fidelity Southern Corporation was founded in 1973 and is headquartered in Atlanta, Georgia.

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