Head to Head Contrast: PINNACLE BK GIL/SH SH (OTCMKTS:PBNK) versus MidWestOne Financial Group (OTCMKTS:MOFG)

PINNACLE BK GIL/SH SH (OTCMKTS:PBNK) and MidWestOne Financial Group (NASDAQ:MOFG) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, dividends, risk, institutional ownership, valuation, profitability and analyst recommendations.

Earnings & Valuation

This table compares PINNACLE BK GIL/SH SH and MidWestOne Financial Group’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PINNACLE BK GIL/SH SH $20.51 million 3.05 $5.35 million N/A N/A
MidWestOne Financial Group $151.61 million 2.92 $30.35 million $2.54 10.74

MidWestOne Financial Group has higher revenue and earnings than PINNACLE BK GIL/SH SH.

Insider and Institutional Ownership

8.0% of PINNACLE BK GIL/SH SH shares are owned by institutional investors. Comparatively, 33.9% of MidWestOne Financial Group shares are owned by institutional investors. 3.3% of MidWestOne Financial Group shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings for PINNACLE BK GIL/SH SH and MidWestOne Financial Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PINNACLE BK GIL/SH SH 0 0 0 0 N/A
MidWestOne Financial Group 0 0 0 0 N/A

Dividends

MidWestOne Financial Group pays an annual dividend of $0.81 per share and has a dividend yield of 3.0%. PINNACLE BK GIL/SH SH does not pay a dividend. MidWestOne Financial Group pays out 31.9% of its earnings in the form of a dividend. MidWestOne Financial Group has raised its dividend for 6 consecutive years.

Profitability

This table compares PINNACLE BK GIL/SH SH and MidWestOne Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PINNACLE BK GIL/SH SH 26.47% 14.16% 1.58%
MidWestOne Financial Group 19.41% 8.80% 0.95%

Risk and Volatility

PINNACLE BK GIL/SH SH has a beta of 0.47, indicating that its share price is 53% less volatile than the S&P 500. Comparatively, MidWestOne Financial Group has a beta of 0.96, indicating that its share price is 4% less volatile than the S&P 500.

Summary

MidWestOne Financial Group beats PINNACLE BK GIL/SH SH on 8 of the 13 factors compared between the two stocks.

About PINNACLE BK GIL/SH SH

Pinnacle Bank provides various banking products and services for individuals and businesses in the counties of Santa Clara, San Benito, and Monterey. It offers checking, savings, money market, and individual retirement accounts, as well as certificate of deposit account registry services; and certificates of deposit. The company also provides loans and lines of credit, home equity lines of credit, home construction loans, letters of credit, commercial real estate loans, and government assisted loans. In addition, it offers online/mobile banking and cash management services; and other services consisting of automated teller machine/debit cards and safe deposit boxes, as well as debit card protection services. The company was founded in 2005 and is headquartered in Gilroy, California.

About MidWestOne Financial Group

MidWestOne Financial Group, Inc. is a bank holding company. It operates through the following subsidiaries: MidWestOne Bank and MidWestOne Insurance Services, Inc. The MidWestOne Bank provides retail banking services, which include deposit products, including checking and other demand deposit accounts, NOW accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts and other time deposits. The MidWestOne Insurance Services, Inc. provides personal and business insurance services in Iowa. The firm offers commercial and industrial, agricultural, real estate mortgage and consumer loans. Its other products and services include debit cards, automated teller machines, on-line banking, mobile banking and safe deposit boxes. The company has a trust and investment department through which it offers a variety of trust and investment services, including administering estates, personal trusts, conservatorships, pension and profit-sharing funds and providing property management, farm management, custodial, financial planning, investment management and retail brokerage services. MidWestOne Financial Group was founded in 1934 and is headquartered in Iowa City, IA.

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