MID-SOUTHERN Sv/SH (OTCMKTS:MSVB) and Customers Bancorp (NYSE:CUBI) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, institutional ownership, profitability, valuation, analyst recommendations, risk and earnings.

Earnings and Valuation

This table compares MID-SOUTHERN Sv/SH and Customers Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
MID-SOUTHERN Sv/SH N/A N/A N/A N/A N/A
Customers Bancorp $476.95 million 1.34 $71.69 million $2.43 8.32

Customers Bancorp has higher revenue and earnings than MID-SOUTHERN Sv/SH.

Dividends

MID-SOUTHERN Sv/SH pays an annual dividend of $0.02 per share and has a dividend yield of 0.2%. Customers Bancorp does not pay a dividend.

Institutional and Insider Ownership

78.5% of Customers Bancorp shares are owned by institutional investors. 7.7% of Customers Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of recent recommendations and price targets for MID-SOUTHERN Sv/SH and Customers Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MID-SOUTHERN Sv/SH 0 0 0 0 N/A
Customers Bancorp 0 2 3 0 2.60

Customers Bancorp has a consensus price target of $28.75, indicating a potential upside of 42.26%. Given Customers Bancorp’s higher probable upside, analysts plainly believe Customers Bancorp is more favorable than MID-SOUTHERN Sv/SH.

Profitability

This table compares MID-SOUTHERN Sv/SH and Customers Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MID-SOUTHERN Sv/SH N/A N/A N/A
Customers Bancorp 15.03% 12.82% 0.88%

Summary

Customers Bancorp beats MID-SOUTHERN Sv/SH on 8 of the 9 factors compared between the two stocks.

About MID-SOUTHERN Sv/SH

Mid-Southern Savings Bank, FSB, a federal savings bank, provides a range of banking services to individuals and business customers. The company provides savings accounts and checking accounts. It also offers one-to-four family residential loans, multi-family residential loans, construction loans, and commercial real estate loans; commercial business loans, including lines of credit to businesses and letters of credit, as well as term, mortgage, equipment, and vehicle loans; and consumer loans, such as home equity lines of credit and other loans secured by junior liens on the borrower's personal residence, home improvement loans, automobile and truck loans, boat loans, mobile home loans, loans secured by savings deposits, and other personal loans. In addition, the company provides online banking, safety deposit boxes, telephone banking, ATM, and overdraft protection services, as well as debit and credit cards. It operates through a main office, two branch offices, and one loan production office in Southern Indiana. The company was formerly known as Mid-Southern Federal Savings & Loan Association and changed its name to Mid-Southern Savings Bank, FSB in 1988. Mid-Southern Savings Bank, FSB was founded in 1886 and is headquartered in Salem, Indiana. Mid-Southern Savings Bank, FSB is a subsidiary of Mid-Southern, M.H.C.

About Customers Bancorp

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to small and middle market businesses, not-for-profits, and consumers. The company accepts various deposit products, such as checking, savings, money market deposit, time deposit, individual retirement, and non-retail time deposit accounts, as well as certificates of deposit. Its loan products include commercial and industrial lending; small and middle market business banking, such as small business administration loans; multi-family and commercial real estate lending; and commercial loans to mortgage originators, as well as consumer lending products comprising mortgage and home equity lending. The company also offers private banking services; mobile phone banking, Internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, and positive pay services; and cash management services, such as account reconciliation, collections, and sweep accounts. It operates 13 full-service branches, as well as limited purpose offices in Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; Manhattan and Melville, New York; and Philadelphia, Pennsylvania. Customers Bancorp, Inc. was founded in 1994 and is headquartered in Wyomissing, Pennsylvania.

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