Dacotah Banks (OTCMKTS:DBIN) versus Mid Penn Bancorp (NASDAQ:MPB) Financial Analysis

Dacotah Banks (OTCMKTS:DBIN) and Mid Penn Bancorp (NASDAQ:MPB) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, dividends, analyst recommendations, institutional ownership, earnings, risk and profitability.

Dividends

Dacotah Banks pays an annual dividend of $0.60 per share and has a dividend yield of 1.8%. Mid Penn Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 3.2%. Mid Penn Bancorp pays out 34.6% of its earnings in the form of a dividend.

Insider & Institutional Ownership

43.1% of Mid Penn Bancorp shares are held by institutional investors. 10.7% of Mid Penn Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Dacotah Banks and Mid Penn Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Dacotah Banks	N/A	N/A	N/A
Mid Penn Bancorp	13.89%	8.08%	0.83%

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Dacotah Banks and Mid Penn Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Dacotah Banks	0	0	0	0	N/A
Mid Penn Bancorp	0	0	2	0	3.00

Mid Penn Bancorp has a consensus target price of $26.00, indicating a potential upside of 2.65%. Given Mid Penn Bancorp’s higher probable upside, analysts clearly believe Mid Penn Bancorp is more favorable than Dacotah Banks.

Volatility and Risk

Dacotah Banks has a beta of 0.38, suggesting that its stock price is 62% less volatile than the S&P 500. Comparatively, Mid Penn Bancorp has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500.

Valuation & Earnings

This table compares Dacotah Banks and Mid Penn Bancorp’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Dacotah Banks	N/A	N/A	N/A	N/A	N/A
Mid Penn Bancorp	$256.35 million	1.65	$37.40 million	$2.31	10.97

Mid Penn Bancorp has higher revenue and earnings than Dacotah Banks.

Summary

Mid Penn Bancorp beats Dacotah Banks on 10 of the 11 factors compared between the two stocks.

About Dacotah Banks

Dacotah Banks, Inc. provides various banking and financial products and services to individuals and businesses. The company provides demand and certificates of deposit; checking, individual retirement, health savings, and money market accounts; and commercial, commercial real estate, residential mortgage, and consumer loans. It also offers vehicle, boat, motorhome, mortgage, camper, motorcycle, snowmobile, jet SKI, and ATV loans; and unsecured, overdraft protection, and student loans; business, term, and small business administration loans, and other loans. In addition, the company provides credit, debit, and gift cards; mobile and online banking; auto, homeowner, health, and life insurance products; and estate, and trust services. Further, the company offers retirement planning, investment management, foundation, endowment, bill paying, charitable giving, and elder care services, as well as cash management services. Additionally, it provides offers operating lines of credit, state and federal programs, and equipment loans and leases. It also provides crop, homeowner, health, life, farm, and ranch insurance services; and farm and ranch management services. The company operates across various locations in Minnesota, North Dakota, and South Dakota. Dacotah Banks, Inc. was founded in 1955 and is headquartered in Aberdeen, South Dakota.

About Mid Penn Bancorp

Mid Penn Bancorp, Inc. operates as the bank holding company for Mid Penn Bank that provides commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company offers various time and demand deposit products, including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and individual retirement accounts. It also provides a range of loan products comprising mortgage and home equity loans, secured and unsecured commercial and consumer loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities, and local government loans. In addition, the company offers trust, retail investment, wealth management, and insurance services; and provides online banking, telephone banking, cash management, and automated teller services, as well as safe deposit boxes. The company was founded in 1868 and is headquartered in Harrisburg, Pennsylvania.