WTBA
West Bancorporation, Inc.
Banks - Regional
Market Cap$408M
5Y Perf.+36.7%
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Stock Comparison
WTBA vs MOFG
Revenue, margins, valuation, and 5-year total return — side by side.
MOFG
MidWestOne Financial Group, Inc.
Banks - Regional
Market Cap$1.02B
5Y Perf.+141.4%
WTBA vs MOFG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | WTBA | MOFG |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $408M | $1.02B |
| Revenue (TTM) | $198M | $206M |
| Net Income (TTM) | $35M | $58M |
| Gross Margin | 48.0% | 29.4% |
| Operating Margin | 20.9% | -40.8% |
| Forward P/E | 9.3x | 13.8x |
| Total Debt | $106M | $117M |
| Cash & Equiv. | $25M | $205M |
WTBA vs MOFG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
WTBA
MOFG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| West Bancorporation… (WTBA) | 100 | 136.7 | +36.7% |
| MidWestOne Financia… (MOFG) | 100 | 241.4 | +141.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: WTBA vs MOFG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: WTBA leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. MidWestOne Financial Group, Inc. is the stronger pick specifically for recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
WTBA
West Bancorporation, Inc.
The Banking Pick
WTBA carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.93, yield 4.1%
- Rev growth 0.3%, EPS growth 35.2%
- Lower volatility, beta 0.93, Low D/E 40.0%, current ratio 0.14x
Best for: income & stability and growth exposure
MOFG
MidWestOne Financial Group, Inc.
The Banking Pick
MOFG is the clearest fit if your priority is long-term compounding and bank quality.
- 109.8% 10Y total return vs WTBA's 84.9%
- NIM 2.5% vs WTBA's 2.1%
- +77.6% vs WTBA's +31.7%
Best for: long-term compounding and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | WTBA | 0.3% NII/revenue growth vs MOFG's -23.1% |
| Value | WTBA | Lower P/E (9.3x vs 13.8x) |
| Quality / Margins | WTBA | Efficiency ratio 0.3% vs MOFG's 0.7% (lower = leaner) |
| Stability / Safety | WTBA | Beta 0.93 vs MOFG's 1.29 |
| Dividends | WTBA | 4.1% yield, vs MOFG's 2.0% |
| Momentum (1Y) | MOFG | +77.6% vs WTBA's +31.7% |
| Efficiency (ROA) | WTBA | Efficiency ratio 0.3% vs MOFG's 0.7% |
WTBA vs MOFG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
WTBA vs MOFG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLWTBALAGGINGMOFG
MOFGMidWestOne Financial …
1leads
WTBAWest Bancorporation, …
3leads
6 Total Categories
CATEGORYLEADERvs MOFGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
WTBA3/5
Valuation MetricsMultiples, price ratios, and targets
WTBA3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
WTBA5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MOFG6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
WTBA leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MOFG and WTBA operate at a comparable scale, with $206M and $198M in trailing revenue. WTBA is the more profitable business, keeping 16.4% of every revenue dollar as net income compared to MOFG's -29.3%.
| Metric | WTBAWest Bancorporati… | MOFGMidWestOne Financ… |
|---|---|---|
| RevenueTrailing 12 months | $198M | $206M |
| EBITDAEarnings before interest/tax | $49M | $74M |
| Net IncomeAfter-tax profit | $35M | $58M |
| Free Cash FlowCash after capex | $48M | $79M |
| Gross MarginGross profit ÷ Revenue | +48.0% | +29.4% |
| Operating MarginEBIT ÷ Revenue | +20.9% | -40.8% |
| Net MarginNet income ÷ Revenue | +16.4% | -29.3% |
| FCF MarginFCF ÷ Revenue | +21.7% | +29.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +32.6% | +113.6% |
WTBA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
WTBA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
| Metric | WTBAWest Bancorporati… | MOFGMidWestOne Financ… |
|---|---|---|
| Market CapShares × price | $408M | $1.0B |
| Enterprise ValueMkt cap + debt − cash | $490M | $929M |
| Trailing P/EPrice ÷ TTM EPS | 12.56x | -13.93x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.31x | 13.77x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 11.82x | — |
| Price / SalesMarket cap ÷ Revenue | 2.06x | 4.94x |
| Price / BookPrice ÷ Book value/share | 1.54x | 1.50x |
| Price / FCFMarket cap ÷ FCF | 9.46x | 16.74x |
WTBA leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
WTBA leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
WTBA delivers a 13.7% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $10 for MOFG. MOFG carries lower financial leverage with a 0.21x debt-to-equity ratio, signaling a more conservative balance sheet compared to WTBA's 0.40x. On the Piotroski fundamental quality scale (0–9), WTBA scores 6/9 vs MOFG's 4/9, reflecting solid financial health.
| Metric | WTBAWest Bancorporati… | MOFGMidWestOne Financ… |
|---|---|---|
| ROE (TTM)Return on equity | +13.7% | +10.0% |
| ROA (TTM)Return on assets | +0.9% | +0.9% |
| ROICReturn on invested capital | +6.3% | -9.4% |
| ROCEReturn on capital employed | +6.2% | -9.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 4 |
| Debt / EquityFinancial leverage | 0.40x | 0.21x |
| Net DebtTotal debt minus cash | $81M | -$88M |
| Cash & Equiv.Liquid assets | $25M | $205M |
| Total DebtShort + long-term debt | $106M | $117M |
| Interest CoverageEBIT ÷ Interest expense | 0.44x | 0.67x |
WTBA leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MOFG leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MOFG five years ago would be worth $17,220 today (with dividends reinvested), compared to $10,704 for WTBA. Over the past 12 months, MOFG leads with a +77.6% total return vs WTBA's +31.7%. The 3-year compound annual growth rate (CAGR) favors MOFG at 39.0% vs WTBA's 20.1% — a key indicator of consistent wealth creation.
| Metric | WTBAWest Bancorporati… | MOFGMidWestOne Financ… |
|---|---|---|
| YTD ReturnYear-to-date | +13.0% | +30.2% |
| 1-Year ReturnPast 12 months | +31.7% | +77.6% |
| 3-Year ReturnCumulative with dividends | +73.4% | +168.6% |
| 5-Year ReturnCumulative with dividends | +7.0% | +72.2% |
| 10-Year ReturnCumulative with dividends | +84.9% | +109.8% |
| CAGR (3Y)Annualised 3-year return | +20.1% | +39.0% |
MOFG leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — WTBA and MOFG each lead in 1 of 2 comparable metrics.
Risk & Volatility
WTBA 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 WTBA's 90.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | WTBAWest Bancorporati… | MOFGMidWestOne Financ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 1.29x |
| 52-Week HighHighest price in past year | $26.60 | $49.69 |
| 52-Week LowLowest price in past year | $17.31 | $26.52 |
| % of 52W HighCurrent price vs 52-week peak | +90.6% | +99.2% |
| RSI (14)Momentum oscillator 0–100 | 47.1 | 74.9 |
| Avg Volume (50D)Average daily shares traded | 42K | 0 |
Evenly matched — WTBA and MOFG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — WTBA and MOFG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates WTBA as "Hold" and MOFG as "Buy". For income investors, WTBA offers the higher dividend yield at 4.12% vs MOFG's 1.97%.
| Metric | WTBAWest Bancorporati… | MOFGMidWestOne Financ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | $31.25 |
| # AnalystsCovering analysts | 3 | 8 |
| Dividend YieldAnnual dividend ÷ price | +4.1% | +2.0% |
| Dividend StreakConsecutive years of raises | 0 | 5 |
| Dividend / ShareAnnual DPS | $0.99 | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +0.0% |
Evenly matched — WTBA and MOFG each lead in 1 of 2 comparable metrics.
Key Takeaway
WTBA leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). MOFG leads in 1 (Total Returns). 2 tied.
Best OverallWest Bancorporation, Inc. (WTBA)Leads 3 of 6 categories
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WTBA vs MOFG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is WTBA or MOFG a better buy right now?
For growth investors, West Bancorporation, Inc.
(WTBA) is the stronger pick with 0. 3% revenue growth year-over-year, versus -23. 1% for MidWestOne Financial Group, Inc. (MOFG). West Bancorporation, Inc. (WTBA) offers the better valuation at 12. 6x trailing P/E (9. 3x 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 — WTBA or MOFG?
On forward P/E, West Bancorporation, Inc.
is actually cheaper at 9. 3x.
03Which is the better long-term investment — WTBA or MOFG?
Over the past 5 years, MidWestOne Financial Group, Inc.
(MOFG) delivered a total return of +72. 2%, compared to +7. 0% for West Bancorporation, Inc. (WTBA). Over 10 years, the gap is even starker: MOFG returned +109. 8% versus WTBA's +84. 9%. 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 — WTBA or MOFG?
By beta (market sensitivity over 5 years), West Bancorporation, Inc.
(WTBA) is the lower-risk stock at 0. 93β versus MidWestOne Financial Group, Inc. 's 1. 29β — meaning MOFG is approximately 39% more volatile than WTBA relative to the S&P 500. On balance sheet safety, MidWestOne Financial Group, Inc. (MOFG) carries a lower debt/equity ratio of 21% versus 40% for West Bancorporation, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — WTBA or MOFG?
By revenue growth (latest reported year), West Bancorporation, Inc.
(WTBA) is pulling ahead at 0. 3% versus -23. 1% for MidWestOne Financial Group, Inc. (MOFG). On earnings-per-share growth, the picture is similar: West Bancorporation, Inc. grew EPS 35. 2% 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 — WTBA or MOFG?
West Bancorporation, Inc.
(WTBA) is the more profitable company, earning 16. 4% net margin versus -29. 3% for MidWestOne Financial Group, Inc. — meaning it keeps 16. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: WTBA leads at 20. 9% versus -40. 8% for MOFG. At the gross margin level — before operating expenses — WTBA leads at 48. 0%, 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 WTBA or MOFG more undervalued right now?
On forward earnings alone, West Bancorporation, Inc.
(WTBA) trades at 9. 3x forward P/E versus 13. 8x for MidWestOne Financial Group, Inc. — 4. 5x cheaper on a one-year earnings basis.
08Which pays a better dividend — WTBA or MOFG?
All stocks in this comparison pay dividends.
West Bancorporation, Inc. (WTBA) offers the highest yield at 4. 1%, versus 2. 0% for MidWestOne Financial Group, Inc. (MOFG).
09Is WTBA or MOFG better for a retirement portfolio?
For long-horizon retirement investors, West Bancorporation, Inc.
(WTBA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 93), 4. 1% yield). Both have compounded well over 10 years (WTBA: +84. 9%, MOFG: +109. 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 WTBA and MOFG?
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: WTBA is a small-cap deep-value stock; MOFG is a small-cap quality compounder 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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