Pulaski Financial Corp (NASDAQ: PULB) and MidWestOne Financial Group (NASDAQ:MOFG) are both financials companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, profitability, risk, institutional ownership, earnings, dividends and analyst recommendations.

Dividends

MidWestOne Financial Group pays an annual dividend of $0.68 per share and has a dividend yield of 2.0%. Pulaski Financial Corp does not pay a dividend. MidWestOne Financial Group pays out 33.2% of its earnings in the form of a dividend.

Valuation & Earnings

This table compares Pulaski Financial Corp and MidWestOne Financial Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Pulaski Financial Corp N/A N/A N/A N/A N/A
MidWestOne Financial Group $114.71 million 3.54 $25.05 million $2.05 16.21

MidWestOne Financial Group has higher revenue and earnings than Pulaski Financial Corp.

Profitability

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

Net Margins Return on Equity Return on Assets
Pulaski Financial Corp 20.60% 10.31% 0.80%
MidWestOne Financial Group 17.60% 7.55% 0.79%

Institutional & Insider Ownership

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

Analyst Recommendations

This is a summary of current ratings and target prices for Pulaski Financial Corp and MidWestOne Financial Group, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pulaski Financial Corp 0 0 0 0 N/A
MidWestOne Financial Group 0 1 1 0 2.50

MidWestOne Financial Group has a consensus target price of $38.50, suggesting a potential upside of 15.86%. Given MidWestOne Financial Group’s higher probable upside, analysts clearly believe MidWestOne Financial Group is more favorable than Pulaski Financial Corp.

Summary

MidWestOne Financial Group beats Pulaski Financial Corp on 6 of the 10 factors compared between the two stocks.

Pulaski Financial Corp Company Profile

Pulaski Financial Corp. is the holding company for Pulaski Bank, N.A. (the Bank). The Company’s primary assets are its investment in the Bank and cash. It also maintains two subsidiaries that issued trust preferred securities. The Bank provides various financial products and services for businesses and retail customers through its over 10 full-service offices in the St. Louis metropolitan area and residential mortgage loan production offices in the St. Louis, Kansas City, Chicago and Omaha-Council-Bluffs metropolitan areas, mid-Missouri, southwestern Missouri, eastern Kansas, and Lincoln, Nebraska. The Bank is engaged in attracting deposits from individuals and businesses and using these deposits, together with borrowed funds, to originate and retain commercial real estate and commercial and industrial loans within its St. Louis lending market and one- to four-family residential mortgage loans principally within its St. Louis, Kansas City and Omaha-Council Bluffs lending markets.

MidWestOne Financial Group Company Profile

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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