Mid-Southern Bancorp (NASDAQ:MSVB) vs. TFS Financial (NASDAQ:TFSL) Head-To-Head Analysis

Mid-Southern Bancorp (NASDAQ:MSVB) and TFS Financial (NASDAQ:TFSL) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, risk, institutional ownership, valuation, dividends and profitability.

Institutional & Insider Ownership

10.1% of Mid-Southern Bancorp shares are owned by institutional investors. Comparatively, 9.8% of TFS Financial shares are owned by institutional investors. 10.2% of Mid-Southern Bancorp shares are owned by company insiders. Comparatively, 1.1% of TFS Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Risk & Volatility

Mid-Southern Bancorp has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500. Comparatively, TFS Financial has a beta of 0.68, suggesting that its stock price is 32% less volatile than the S&P 500.

Profitability

This table compares Mid-Southern Bancorp and TFS Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Mid-Southern Bancorp	9.17%	3.18%	0.42%
TFS Financial	11.08%	4.14%	0.47%

Dividends

Mid-Southern Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.7%. TFS Financial pays an annual dividend of $1.13 per share and has a dividend yield of 8.0%. Mid-Southern Bancorp pays out 60.0% of its earnings in the form of a dividend. TFS Financial pays out 418.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Analyst Ratings

This is a breakdown of recent recommendations for Mid-Southern Bancorp and TFS Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Mid-Southern Bancorp	0	0	0	0	N/A
TFS Financial	0	2	0	0	2.00

TFS Financial has a consensus target price of $14.00, indicating a potential downside of 0.43%. Given TFS Financial’s higher probable upside, analysts clearly believe TFS Financial is more favorable than Mid-Southern Bancorp.

Valuation and Earnings

This table compares Mid-Southern Bancorp and TFS Financial’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mid-Southern Bancorp	$11.71 million	3.54	$1.46 million	$0.40	36.03
TFS Financial	$633.35 million	6.23	$75.25 million	$0.27	52.07

TFS Financial has higher revenue and earnings than Mid-Southern Bancorp. Mid-Southern Bancorp is trading at a lower price-to-earnings ratio than TFS Financial, indicating that it is currently the more affordable of the two stocks.

Summary

TFS Financial beats Mid-Southern Bancorp on 10 of the 14 factors compared between the two stocks.

About Mid-Southern Bancorp

Mid-Southern Bancorp, Inc. operates as the holding company for Mid-Southern Savings Bank, FSB that provides various banking products and services to individuals and business customers. It accepts various deposit products, including checking, savings, money market, and demand accounts, as well as certificates of deposit and term deposits. The company also offers loans secured by first mortgages on one- to four-family residences, including home equity loans and lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences; commercial and multifamily real estate loans; land and lot loans; commercial business loans; consumer loans, including new and used manufactured homes, automobiles and truck, boats, and motorcycles and recreational vehicle loans; loans secured by savings deposits and other personal loans; and unsecured consumer loans. In addition, it holds and manages an investment securities portfolio. The company provides its products and services through its main office in Salem; and through its branch offices located in Mitchell and Orleans, Indiana, as well as through loan production offices located in New Albany, Indiana and Louisville, Kentucky. The company was founded in 1886 and is headquartered in Salem, Indiana.

About TFS Financial

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and multiple full-service branches and loan production offices located throughout the states of Ohio and Florida. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.