Comparing MutualFirst Financial (NASDAQ:MFSF) & Bank7 (NASDAQ:BSVN)

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MutualFirst Financial (NASDAQ:MFSF) and Bank7 (NASDAQ:BSVN) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, profitability, earnings, analyst recommendations and dividends.

Insider & Institutional Ownership

48.1% of MutualFirst Financial shares are owned by institutional investors. Comparatively, 33.4% of Bank7 shares are owned by institutional investors. 27.4% of MutualFirst Financial shares are owned by insiders. Comparatively, 63.4% of Bank7 shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares MutualFirst Financial and Bank7’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
MutualFirst Financial $99.27 million 2.59 $18.86 million $2.43 12.42
Bank7 $48.13 million 3.98 $25.00 million $2.44 7.70

Bank7 has lower revenue, but higher earnings than MutualFirst Financial. Bank7 is trading at a lower price-to-earnings ratio than MutualFirst Financial, indicating that it is currently the more affordable of the two stocks.

Dividends

MutualFirst Financial pays an annual dividend of $0.80 per share and has a dividend yield of 2.7%. Bank7 pays an annual dividend of $0.40 per share and has a dividend yield of 2.1%. MutualFirst Financial pays out 32.9% of its earnings in the form of a dividend. Bank7 pays out 16.4% 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. MutualFirst Financial has raised its dividend for 5 consecutive years. MutualFirst Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for MutualFirst Financial and Bank7, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MutualFirst Financial 0 0 0 0 N/A
Bank7 0 0 3 0 3.00

Bank7 has a consensus price target of $23.00, suggesting a potential upside of 22.41%. Given Bank7’s higher probable upside, analysts plainly believe Bank7 is more favorable than MutualFirst Financial.

Profitability

This table compares MutualFirst Financial and Bank7’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MutualFirst Financial 20.40% 10.65% 1.07%
Bank7 44.09% 25.13% 2.94%

Summary

Bank7 beats MutualFirst Financial on 10 of the 15 factors compared between the two stocks.

About MutualFirst Financial

MutualFirst Financial, Inc. operates as the bank holding company for MutualBank that provides various financial services in the United States. It accepts savings deposit, NOW, and demand accounts, as well as certificates of deposit. The company offers one-to-four family residential property, commercial real estate, construction and development, and commercial business loans; consumer loans, such as auto loans, boat and recreational vehicle loans, loans secured by savings deposits, and credit card and unsecured consumer loans; and adjustable rate loans. In addition, it operates as an insurance agent; and sells life and other insurance products. Further, the company provides trust, investment, broker advisory, retirement plan, and private banking products and services. It has 39 full service retail financial centers in Allen, Delaware, Elkhart, Grant, Greene, Hamilton, Jackson, Johnson, Knox, Kosciusko, Lawrence, Monroe, Randolph, St. Joseph, and Wabash counties in Indiana; wealth management offices in Fishers and Crawfordsville, Indiana; and 1 loan origination office in New Buffalo, Michigan. MutualFirst Financial, Inc. was founded in 1889 and is headquartered in Muncie, Indiana.

About Bank7

Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers in Oklahoma, Kansas, and Texas. It accepts demand, savings, checking, money market, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company also provides commercial real estate, hospitality, energy, and commercial and industrial loans; and consumer loans, such as secured and unsecured term loans and home improvement loans; and residential real estate loans, mortgage banking services, personal lines of credit, loans for the purchase of automobiles, and other installment loans, as well as ATM services. It operates through seven branches in Oklahoma, Texas, and Kansas. The company was formerly known as Haines Financial Corp. Bank7 Corp. was founded in 2004 and is headquartered in Oklahoma City, Oklahoma.

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