Analyzing MidWestOne Financial Group (MOFG) & National Penn Bancshares (NPBC)

MidWestOne Financial Group (NASDAQ: MOFG) and National Penn Bancshares (NASDAQ:NPBC) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, profitability, valuation, risk and earnings.

Analyst Recommendations

This is a summary of current recommendations and price targets for MidWestOne Financial Group and National Penn Bancshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MidWestOne Financial Group 0 1 1 0 2.50
National Penn Bancshares 0 0 0 0 N/A

MidWestOne Financial Group currently has a consensus price target of $38.50, suggesting a potential upside of 5.39%. Given MidWestOne Financial Group’s higher probable upside, equities analysts clearly believe MidWestOne Financial Group is more favorable than National Penn Bancshares.

Profitability

This table compares MidWestOne Financial Group and National Penn Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MidWestOne Financial Group 17.60% 7.55% 0.79%
National Penn Bancshares 32.36% 9.98% 1.21%

Insider and Institutional Ownership

46.4% of MidWestOne Financial Group shares are held by institutional investors. 25.3% of MidWestOne Financial Group shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Dividends

MidWestOne Financial Group pays an annual dividend of $0.68 per share and has a dividend yield of 1.9%. National Penn Bancshares does not pay a dividend. MidWestOne Financial Group pays out 33.2% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares MidWestOne Financial Group and National Penn Bancshares’ gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
MidWestOne Financial Group $114.71 million 3.89 $25.05 million $2.05 17.82
National Penn Bancshares N/A N/A N/A N/A N/A

MidWestOne Financial Group has higher revenue and earnings than National Penn Bancshares.

Summary

MidWestOne Financial Group beats National Penn Bancshares on 6 of the 10 factors compared between the two stocks.

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.

About National Penn Bancshares

National Penn Bancshares, Inc. is a bank holding company. The Company provides financial services, principally through National Penn Bank, its national bank subsidiary. The Company’s financial services affiliates consist of National Penn Wealth Management, N.A., including its National Penn Investors Trust Company (NPITC) division; National Penn Capital Advisors, Inc.; Institutional Advisors, LLC, and National Penn Insurance Services Group, Inc., including its Higgins Insurance and Caruso Benefits divisions. It operates through the Community Banking segment. Through the Community Banking segment, it offers commercial banking, consumer banking and other services which include specialized investment and insurance businesses. It serves communities throughout a 14-county market area in Pennsylvania: Berks, Bucks, Carbon, Centre, Chester, Delaware, Lancaster, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Philadelphia and Schuylkill. It also serves the Cecil County, Maryland area.

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