MOFG
MidWestOne Financial Group, Inc.
Banks - Regional
Market Cap$1.02B
5Y Perf.+157.0%
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Stock Comparison
MOFG vs BANF
Revenue, margins, valuation, and 5-year total return — side by side.
BANF
BancFirst Corporation
Banks - Regional
Market Cap$3.80B
5Y Perf.+188.4%
MOFG vs BANF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MOFG | BANF |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.02B | $3.80B |
| Revenue (TTM) | $206M | $909M |
| Net Income (TTM) | $58M | $238M |
| Gross Margin | 29.4% | 68.5% |
| Operating Margin | -40.8% | 30.3% |
| Forward P/E | 13.8x | 15.7x |
| Total Debt | $117M | $86M |
| Cash & Equiv. | $205M | $3.55B |
MOFG vs BANF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MOFG
BANF
| Stock | May 20 | Feb 26 | Return |
|---|---|---|---|
| MidWestOne Financia… (MOFG) | 100 | 257.0 | +157.0% |
| BancFirst Corporati… (BANF) | 100 | 288.4 | +188.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MOFG vs BANF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BANF leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. MidWestOne Financial Group, Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
MOFG
MidWestOne Financial Group, Inc.
The Banking Pick
MOFG is the clearest fit if your priority is value and dividends.
- Lower P/E (13.8x vs 15.7x)
- 2.0% yield, 5-year raise streak, vs BANF's 1.5%
- +77.2% vs BANF's -3.5%
Best for: value and dividends
BANF
BancFirst Corporation
The Banking Pick
BANF carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 11 yrs, beta 0.93, yield 1.5%
- Rev growth 12.3%, EPS growth 1.6%
- 322.5% 10Y total return vs MOFG's 112.8%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BANF | 12.3% NII/revenue growth vs MOFG's -23.1% |
| Value | MOFG | Lower P/E (13.8x vs 15.7x) |
| Quality / Margins | BANF | Efficiency ratio 0.4% vs MOFG's 0.7% (lower = leaner) |
| Stability / Safety | BANF | Beta 0.93 vs MOFG's 1.29, lower leverage |
| Dividends | MOFG | 2.0% yield, 5-year raise streak, vs BANF's 1.5% |
| Momentum (1Y) | MOFG | +77.2% vs BANF's -3.5% |
| Efficiency (ROA) | BANF | Efficiency ratio 0.4% vs MOFG's 0.7% |
MOFG vs BANF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
MOFG vs BANF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMOFGLAGGINGBANF
BANFBancFirst Corporation
2leads
MOFGMidWestOne Financial …
2leads
6 Total Categories
CATEGORYLEADERvs BANFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BANF3/5
Valuation MetricsMultiples, price ratios, and targets
MOFG4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BANF9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MOFG5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
BANF leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BANF is the larger business by revenue, generating $909M annually — 4.4x MOFG's $206M. BANF is the more profitable business, keeping 23.8% of every revenue dollar as net income compared to MOFG's -29.3%.
| Metric | MOFGMidWestOne Financ… | BANFBancFirst Corpora… |
|---|---|---|
| RevenueTrailing 12 months | $206M | $909M |
| EBITDAEarnings before interest/tax | $74M | $324M |
| Net IncomeAfter-tax profit | $58M | $238M |
| Free Cash FlowCash after capex | $79M | $196M |
| Gross MarginGross profit ÷ Revenue | +29.4% | +68.5% |
| Operating MarginEBIT ÷ Revenue | -40.8% | +30.3% |
| Net MarginNet income ÷ Revenue | -29.3% | +23.8% |
| FCF MarginFCF ÷ Revenue | +29.5% | +24.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +113.6% | +5.7% |
BANF leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
MOFG leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
| Metric | MOFGMidWestOne Financ… | BANFBancFirst Corpora… |
|---|---|---|
| Market CapShares × price | $1.0B | $3.8B |
| Enterprise ValueMkt cap + debt − cash | $929M | $336M |
| Trailing P/EPrice ÷ TTM EPS | -13.93x | 17.78x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.77x | 15.66x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.83x |
| EV / EBITDAEnterprise value multiple | — | 1.13x |
| Price / SalesMarket cap ÷ Revenue | 4.94x | 4.19x |
| Price / BookPrice ÷ Book value/share | 1.50x | 2.37x |
| Price / FCFMarket cap ÷ FCF | 16.74x | 16.94x |
MOFG leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
BANF leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
BANF delivers a 13.3% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $10 for MOFG. BANF carries lower financial leverage with a 0.05x debt-to-equity ratio, signaling a more conservative balance sheet compared to MOFG's 0.21x. On the Piotroski fundamental quality scale (0–9), BANF scores 5/9 vs MOFG's 4/9, reflecting solid financial health.
| Metric | MOFGMidWestOne Financ… | BANFBancFirst Corpora… |
|---|---|---|
| ROE (TTM)Return on equity | +10.0% | +13.3% |
| ROA (TTM)Return on assets | +0.9% | +1.7% |
| ROICReturn on invested capital | -9.4% | +12.8% |
| ROCEReturn on capital employed | -9.5% | +15.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.21x | 0.05x |
| Net DebtTotal debt minus cash | -$88M | -$3.5B |
| Cash & Equiv.Liquid assets | $205M | $3.6B |
| Total DebtShort + long-term debt | $117M | $86M |
| Interest CoverageEBIT ÷ Interest expense | 0.67x | 1.11x |
BANF leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MOFG leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MOFG five years ago would be worth $17,105 today (with dividends reinvested), compared to $16,843 for BANF. Over the past 12 months, MOFG leads with a +77.2% total return vs BANF's -3.5%. The 3-year compound annual growth rate (CAGR) favors MOFG at 39.0% vs BANF's 18.4% — a key indicator of consistent wealth creation.
| Metric | MOFGMidWestOne Financ… | BANFBancFirst Corpora… |
|---|---|---|
| YTD ReturnYear-to-date | +30.2% | +8.0% |
| 1-Year ReturnPast 12 months | +77.2% | -3.5% |
| 3-Year ReturnCumulative with dividends | +168.6% | +66.1% |
| 5-Year ReturnCumulative with dividends | +71.1% | +68.4% |
| 10-Year ReturnCumulative with dividends | +112.8% | +322.5% |
| CAGR (3Y)Annualised 3-year return | +39.0% | +18.4% |
MOFG leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — MOFG and BANF each lead in 1 of 2 comparable metrics.
Risk & Volatility
BANF is the less volatile stock with a 0.93 beta — it tends to amplify market swings less than MOFG's 1.29 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MOFG currently trades 99.2% from its 52-week high vs BANF's 82.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MOFGMidWestOne Financ… | BANFBancFirst Corpora… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.29x | 0.93x |
| 52-Week HighHighest price in past year | $49.69 | $138.77 |
| 52-Week LowLowest price in past year | $26.52 | $101.48 |
| % of 52W HighCurrent price vs 52-week peak | +99.2% | +82.5% |
| RSI (14)Momentum oscillator 0–100 | 74.9 | 55.6 |
| Avg Volume (50D)Average daily shares traded | 0 | 139K |
Evenly matched — MOFG and BANF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — MOFG and BANF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates MOFG as "Buy" and BANF as "Hold". Consensus price targets imply -17.0% upside for BANF (target: $95) vs -36.6% for MOFG (target: $31). For income investors, MOFG offers the higher dividend yield at 1.97% vs BANF's 1.50%.
| Metric | MOFGMidWestOne Financ… | BANFBancFirst Corpora… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $31.25 | $95.00 |
| # AnalystsCovering analysts | 8 | 3 |
| Dividend YieldAnnual dividend ÷ price | +2.0% | +1.5% |
| Dividend StreakConsecutive years of raises | 5 | 11 |
| Dividend / ShareAnnual DPS | $0.97 | $1.72 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | 0.0% |
Evenly matched — MOFG and BANF each lead in 1 of 2 comparable metrics.
Key Takeaway
BANF leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). MOFG leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallMidWestOne Financial Group,… (MOFG)Leads 2 of 6 categories
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MOFG vs BANF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MOFG or BANF a better buy right now?
For growth investors, BancFirst Corporation (BANF) is the stronger pick with 12.
3% revenue growth year-over-year, versus -23. 1% for MidWestOne Financial Group, Inc. (MOFG). BancFirst Corporation (BANF) offers the better valuation at 17. 8x trailing P/E (15. 7x forward), making it the more compelling value choice. Analysts rate MidWestOne Financial Group, Inc. (MOFG) a "Buy" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MOFG or BANF?
On forward P/E, MidWestOne Financial Group, Inc.
is actually cheaper at 13. 8x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — MOFG or BANF?
Over the past 5 years, MidWestOne Financial Group, Inc.
(MOFG) delivered a total return of +71. 1%, compared to +68. 4% for BancFirst Corporation (BANF). Over 10 years, the gap is even starker: BANF returned +322. 5% versus MOFG's +112. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MOFG or BANF?
By beta (market sensitivity over 5 years), BancFirst Corporation (BANF) is the lower-risk stock at 0.
93β versus MidWestOne Financial Group, Inc. 's 1. 29β — meaning MOFG is approximately 39% more volatile than BANF relative to the S&P 500. On balance sheet safety, BancFirst Corporation (BANF) carries a lower debt/equity ratio of 5% versus 21% for MidWestOne Financial Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — MOFG or BANF?
By revenue growth (latest reported year), BancFirst Corporation (BANF) is pulling ahead at 12.
3% versus -23. 1% for MidWestOne Financial Group, Inc. (MOFG). On earnings-per-share growth, the picture is similar: BancFirst Corporation grew EPS 1. 6% year-over-year, compared to -366. 2% for MidWestOne Financial Group, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MOFG or BANF?
BancFirst Corporation (BANF) is the more profitable company, earning 23.
8% net margin versus -29. 3% for MidWestOne Financial Group, Inc. — meaning it keeps 23. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BANF leads at 30. 3% versus -40. 8% for MOFG. At the gross margin level — before operating expenses — BANF leads at 68. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MOFG or BANF more undervalued right now?
On forward earnings alone, MidWestOne Financial Group, Inc.
(MOFG) trades at 13. 8x forward P/E versus 15. 7x for BancFirst Corporation — 1. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BANF: -17. 0% to $95. 00.
08Which pays a better dividend — MOFG or BANF?
All stocks in this comparison pay dividends.
MidWestOne Financial Group, Inc. (MOFG) offers the highest yield at 2. 0%, versus 1. 5% for BancFirst Corporation (BANF).
09Is MOFG or BANF better for a retirement portfolio?
For long-horizon retirement investors, BancFirst Corporation (BANF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
93), 1. 5% yield, +322. 5% 10Y return). Both have compounded well over 10 years (BANF: +322. 5%, MOFG: +112. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MOFG and BANF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: MOFG is a small-cap quality compounder stock; BANF is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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