Iowa First Bancshares (OTCMKTS:IOFB – Get Rating) and Mid-Southern Bancorp (NASDAQ:MSVB – Get Rating) are both small-cap financial companies, but which is the better investment? We will compare the two companies based on their dividend strength, risk, profitability, institutional ownership, analyst rating, earnings, and valuation.

Insider and Institutional Property

32.4% of Mid-Southern Bancorp’s shares are held by institutional investors. Insiders own 12.8% of Iowa First Bancshares shares. By comparison, 8.4% of Mid-Southern Bancorp’s stock is held by insiders. Strong institutional ownership is an indication that hedge funds, endowments, and large money managers believe a stock is poised for long-term growth.

dividends

Iowa First Bancshares pays an annual dividend of $0.45 per share and has a dividend yield of 1.1%. Mid-Southern Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 1.1%. Iowa First Bancshares pays out 17.0% of its earnings in the form of a dividend. Mid-Southern Bancorp pays out 29.1% 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 profits for the next several years. Mid-Southern Bancorp has increased its dividend for 1 year in a row. Mid-Southern Bancorp is clearly the better dividend stock because it has a higher yield and a longer track record of dividend growth.

profit and rating

This table compares the revenue, earnings per share, and valuation of Iowa First Bancshares and Mid-Southern Bancorp.

Iowa First Bancshares has higher profits but lower revenues than Mid-Southern Bancorp. Iowa First Bancshares is trading at a lower price-to-earnings multiple than Mid-Southern Bancorp, suggesting it’s the cheaper of the two stocks at the moment.

volatility and risk

Iowa First Bancshares has a beta of 0.16, suggesting its stock price is 84% ​​less volatile than the S&P 500. In comparison, Mid-Southern Bancorp has a beta of 0.27, suggesting its stock price Is 73% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of the current ratings and recommendations for Iowa First Bancshares and Mid-Southern Bancorp as provided by MarketBeat.com.

profitability

This table compares the net margins, return on equity, and return on assets for Iowa First Bancshares and Mid-Southern Bancorp.

summary

Mid-Southern Bancorp beats Iowa First Bancshares on 7 of the 11 factors comparing the two stocks.

About Iowa First Bancshares (get rating)

Iowa First Bankshares Corp. serves as the bank holding company for First National Bank of Muscatine and First National Bank of Fairfield, which provide a variety of banking products and services to individuals, businesses and government organizations in Iowa. It offers checking, savings, money market and fixed deposit accounts; and commercial and industrial, commercial real estate, owner-occupied and non-owner-occupied, agriculture, residential real estate, and consumer and other credit. The company also offers vault, money transfer, escrow, debit and credit cards, internet banking, ATMs and other banking services. It operates from 4 locations in Muscatine and 2 locations in Fairfield, Iowa. The company was founded in 1870 and is headquartered in Muscatine, Iowa.

About Mid-Southern Bancorp (get rating)

Mid-Southern Bancorp, Inc. functions as the holding company of Mid-Southern Savings Bank, FSB, which offers a variety of banking products and services to individual and commercial customers. It accepts various deposit products including checking, savings, money market and demand accounts, as well as certificates of deposit and term deposits. The company also offers loans secured by single- to four-family first mortgages, including home equity loans and lines of credit; commercial and multifamily real estate loans; home loans secured by single-family homes; commercial and multifamily real estate loans; real estate and real estate loans; commercial business loans; consumer loans, including new and used manufactured homes, cars and trucks, boats and motorcycles, and RV loans; loans secured by savings deposits and other personal loans; and unsecured consumer loans. In addition, it holds and manages an investment securities portfolio. The Company offers its products and services through its Salem headquarters; and through its offices in Mitchell and Orleans, Indiana, and through credit manufacturing offices in New Albany, Indiana and Louisville, Kentucky. The company was founded in 1886 and is headquartered in Salem, Indiana.

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