Contrasting MainSource Financial Group (MSFG) & First Hawaiian (FHB)

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MainSource Financial Group (NASDAQ:MSFG) and First Hawaiian (NASDAQ:FHB) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, dividends, valuation, profitability, institutional ownership, risk and analyst recommendations.

Profitability

This table compares MainSource Financial Group and First Hawaiian’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MainSource Financial Group N/A N/A N/A
First Hawaiian 26.14% 10.79% 1.32%

Earnings and Valuation

This table compares MainSource Financial Group and First Hawaiian’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
MainSource Financial Group N/A N/A N/A N/A N/A
First Hawaiian $776.37 million 4.39 $183.68 million $1.65 15.30

First Hawaiian has higher revenue and earnings than MainSource Financial Group.

Dividends

MainSource Financial Group pays an annual dividend of $0.72 per share and has a dividend yield of 1.8%. First Hawaiian pays an annual dividend of $0.96 per share and has a dividend yield of 3.8%. First Hawaiian pays out 58.2% of its earnings in the form of a dividend. MainSource Financial Group has increased its dividend for 7 consecutive years.

Analyst Recommendations

This is a breakdown of current ratings and target prices for MainSource Financial Group and First Hawaiian, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MainSource Financial Group 0 0 0 0 N/A
First Hawaiian 0 4 4 0 2.50

First Hawaiian has a consensus target price of $31.00, indicating a potential upside of 22.77%. Given First Hawaiian’s higher probable upside, analysts plainly believe First Hawaiian is more favorable than MainSource Financial Group.

Institutional & Insider Ownership

58.5% of MainSource Financial Group shares are owned by institutional investors. Comparatively, 78.6% of First Hawaiian shares are owned by institutional investors. 4.8% of MainSource Financial Group shares are owned by company insiders. Comparatively, 0.1% of First Hawaiian shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

First Hawaiian beats MainSource Financial Group on 8 of the 11 factors compared between the two stocks.

About MainSource Financial Group

MainSource Financial Group, Inc. is a bank holding company. The Company operates a banking subsidiary, MainSource Bank (the Bank), an Indiana state-chartered bank. Through the Bank, the Company offers a range of financial services, including accepting time and transaction deposits; making consumer, commercial, agribusiness and real estate mortgage loans; renting safe deposit facilities; providing personal and corporate trust services, and providing other corporate services, such as letters of credit and repurchase agreements. The Bank offers various loans, such as commercial loans, commercial real estate loans, residential loans and consumer loans. Commercial loans include secured and unsecured loans, including real estate loans, to individuals and companies and to governmental units within the market area of the Bank. It offers various deposits, which include demand, interest bearing demand, savings/money markets and certificates of deposit.

About First Hawaiian

First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking services to consumer and commercial customers in the United States. It operates through Retail Banking and Commercial Banking segments. The company accepts various deposit products, such as checking and savings accounts, and time deposit accounts. Its lending activities include residential and commercial mortgage and real estate loans, home equity lines of credit, automobile loans and leases, personal lines of credit, installment loans, small business loans and leases, commercial lease financing, and auto dealer financing. The company also offers credit cards; and individual investment and financial planning, insurance protection, trust and estate, private banking, investment management, merchant processing, and retirement planning services. As of December 31, 2017, it operated 62 branches Oahu, Maui, Hawaii, Kauai, Guam, and Saipan. First Hawaiian, Inc. was formerly known as BancWest Corporation and changed its name to First Hawaiian, Inc. in April 2016. The company was founded in 1858 and is headquartered in Honolulu, Hawaii. First Hawaiian, Inc. is a subsidiary of BancWest Corporation.

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