Critical Survey: BOK Financial (BOKF) versus MutualFirst Financial (MFSF)
BOK Financial (NASDAQ: BOKF) and MutualFirst Financial (NASDAQ:MFSF) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, valuation, institutional ownership, earnings, profitability and dividends.
This table compares BOK Financial and MutualFirst Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a summary of current recommendations and price targets for BOK Financial and MutualFirst Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
BOK Financial presently has a consensus target price of $91.71, indicating a potential downside of 0.41%. MutualFirst Financial has a consensus target price of $36.50, indicating a potential downside of 3.44%. Given BOK Financial’s stronger consensus rating and higher probable upside, analysts plainly believe BOK Financial is more favorable than MutualFirst Financial.
Institutional & Insider Ownership
31.6% of BOK Financial shares are held by institutional investors. Comparatively, 47.5% of MutualFirst Financial shares are held by institutional investors. 62.0% of BOK Financial shares are held by company insiders. Comparatively, 11.3% of MutualFirst Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
BOK Financial pays an annual dividend of $1.80 per share and has a dividend yield of 2.0%. MutualFirst Financial pays an annual dividend of $0.72 per share and has a dividend yield of 1.9%. BOK Financial pays out 37.7% of its earnings in the form of a dividend. MutualFirst Financial pays out 38.3% 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 earnings for the next several years. BOK Financial has raised its dividend for 13 consecutive years. BOK Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Volatility and Risk
BOK Financial has a beta of 1, suggesting that its stock price has a similar volatility profile to the S&P 500.Comparatively, MutualFirst Financial has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500.
Valuation and Earnings
This table compares BOK Financial and MutualFirst Financial’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|BOK Financial||$1.52 billion||3.98||$232.66 million||$4.77||19.31|
|MutualFirst Financial||$73.22 million||3.82||$13.24 million||$1.88||20.11|
BOK Financial has higher revenue and earnings than MutualFirst Financial. BOK Financial is trading at a lower price-to-earnings ratio than MutualFirst Financial, indicating that it is currently the more affordable of the two stocks.
BOK Financial beats MutualFirst Financial on 14 of the 17 factors compared between the two stocks.
BOK Financial Company Profile
BOK Financial Corporation is a financial holding company. The Company offers full service banking in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona and Kansas/Missouri. The Company’s segments include Commercial Banking, Consumer Banking, Wealth Management, and Funds Management and Other. The Commercial Banking segment includes lending, treasury and cash management services, and customer risk management products for small businesses, middle market and commercial customers. The Commercial Banking segment also includes the TransFund Electronic Funds Network. The Consumer Banking segment includes retail lending and deposit services, lending and deposit services to small business customers served through the retail branch network and all mortgage banking activities. The Wealth Management segment provides fiduciary services, private bank services and investment advisory services in all markets.
MutualFirst Financial Company Profile
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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