MidWestOne vs Amerisafe

This page compares MidWestOne and Amerisafe, examining business models, financial performance, and market context to provide a neutral, accessible view of how the two firms operate. Educational content, not financial advice.

This page compares MidWestOne and Amerisafe, examining business models, financial performance, and market context to provide a neutral, accessible view of how the two firms operate. Educational conten...

Comparison Snapshot

Key Financial Metrics

MOFG

Metric

AMSF

$857.91M

Market Cap

$710.04M

-21.53%

Potential Profit

30.03%

Buy

Analyst Rating

Hold

Investment Analysis

MidWestOne

MOFG

Pros

Reported strong Q3 2025 earnings, beating analyst estimates with solid net income and adjusted earnings performance.
Higher net interest income driven by stronger earning asset yields and effective funding cost management.
Institutional ownership increased recently, indicating growing investor confidence and support.

Considerations

Recent stock price performance has been slightly negative with a 1.2% decline over the past month.
Analyst price targets suggest a potential downside of approximately 12-14% from recent price levels.
Revenue projections indicate a possible decrease, highlighting potential challenges in sustaining growth.

Amerisafe

AMSF

Pros

Specializes in workers' compensation insurance for hazardous industries, offering niche market expertise.
Focus on a specialty insurance segment that can provide protection against competitive pressures in broader markets.
Consistent business model centred on high-risk sectors may provide stable demand and pricing power.

Considerations

Exposure to hazardous industries increases underwriting risk and potential for high claims volatility.
Market and regulatory changes in workers’ compensation insurance could materially impact profitability.
Limited diversification outside specialty workers’ compensation insurance may affect resilience to sector downturns.

About The Companies

MidWestOne (MOFG)

MidWestOne Financial Group I (MOFG) is a US regional bank that provides commercial and consumer banking services, including deposit accounts, loans and wealth-management solutions. With a market capitalisation around $589.1m, it operates primarily in community and regional markets where local lending and deposit relationships matter. Key things investors should know are its sensitivity to interest-rate movements, regional economic conditions and credit performance in commercial real estate and small-business lending. The company’s earnings mix, loan portfolio quality and capital ratios are useful indicators to watch. This summary is general educational information and not personal financial advice; investments can fall as well as rise, and past performance does not predict future results. Consider your objectives and, if necessary, consult a regulated financial adviser before making investment decisions.

Amerisafe (AMSF)

Amerisafe, Inc. is a speciality provider of workers' compensation insurance, an essential coverage for businesses. The company focuses on a specific market niche: small to mid-sized employers in hazardous industries across the United States, such as construction, trucking, logging, and agriculture. Workers' compensation insurance is mandatory for employers, covering their employees' medical expenses and lost wages if they are injured at work. By concentrating on high-hazard fields, Amerisafe operates in a space that demands deep underwriting expertise. The company's business model is based on collecting premiums from its policyholders and managing claims efficiently. For potential investors, understanding this focused strategy is key to evaluating Amerisafe's position in the broader insurance market. As with any insurer, its performance can be influenced by claims frequency, regulatory changes, and economic conditions affecting its core industries.

Which Baskets Do They Appear In?

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

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Which Baskets Do They Appear In?

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

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Comparison Snapshot