MutualFirst Financial (NASDAQ: MFSF) is one of 207 public companies in the “Commercial Banks” industry, but how does it contrast to its rivals? We will compare MutualFirst Financial to similar businesses based on the strength of its dividends, valuation, risk, profitability, earnings, analyst recommendations and institutional ownership.

Risk and Volatility

MutualFirst Financial has a beta of 0.36, suggesting that its share price is 64% less volatile than the S&P 500. Comparatively, MutualFirst Financial’s rivals have a beta of 0.74, suggesting that their average share price is 26% less volatile than the S&P 500.

Profitability

This table compares MutualFirst Financial and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MutualFirst Financial 18.53% 9.66% 0.89%
MutualFirst Financial Competitors 19.72% 8.36% 0.88%

Institutional & Insider Ownership

46.1% of MutualFirst Financial shares are held by institutional investors. Comparatively, 46.5% of shares of all “Commercial Banks” companies are held by institutional investors. 11.3% of MutualFirst Financial shares are held by insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Dividends

MutualFirst Financial pays an annual dividend of $0.64 per share and has a dividend yield of 1.6%. MutualFirst Financial pays out 34.6% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.8% and pay out 35.7% of their earnings in the form of a dividend.

Valuation and Earnings

This table compares MutualFirst Financial and its rivals top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
MutualFirst Financial $64.28 million N/A 21.70
MutualFirst Financial Competitors N/A N/A 25.88

MutualFirst Financial is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for MutualFirst Financial and its rivals, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MutualFirst Financial 0 2 0 0 2.00
MutualFirst Financial Competitors 380 2897 2372 70 2.37

MutualFirst Financial currently has a consensus target price of $35.00, suggesting a potential downside of 12.83%. As a group, “Commercial Banks” companies have a potential downside of 0.64%. Given MutualFirst Financial’s rivals stronger consensus rating and higher probable upside, analysts clearly believe MutualFirst Financial has less favorable growth aspects than its rivals.

Summary

MutualFirst Financial rivals beat MutualFirst Financial on 10 of the 14 factors compared.

About MutualFirst Financial

MutualFirst Financial, Inc. (MutualFirst) is the bank holding company of MutualBank (MutualBank or the Bank). The Bank offers financial services through approximately 30 full service retail financial center offices in Allen, Delaware, Elkhart, Grant, Kosciusko, Randolph, Saint Joseph and Wabash counties in Indiana. MutualBank also has trust offices in Carmel and Crawfordsville, Indiana and a loan origination office in New Buffalo, Michigan. The Bank has a subsidiary, Summit Mortgage, Inc., that operates a mortgage banking firm in Fort Wayne, Indiana. In addition, it originates residential mortgage and commercial loans. MutualWealth and MutualFinancial Advisors are the wealth management and brokerage divisions of the Bank that provide a range of fee-based financial services, including trust, investment, insurance, broker advisory, retirement plan and private banking services, in its market areas.

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