(MPB) Mid Penn Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 789m USD | Total Return: 23.7% in 12m
Avg Turnover: 4.06M
EPS Trend: -1.1%
Qual. Beats: -1
Rev. Trend: 97.0%
Qual. Beats: 0
Warnings
Share dilution 21.0% YoY
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
Mid Penn Bancorp, Inc. (MPB) is a regional bank holding company providing commercial and retail banking services across Pennsylvania and New Jersey. Founded in 1868, the firm manages a diversified portfolio of deposit products, commercial and consumer lending, and wealth management services. As a regional bank, MPB relies heavily on net interest margin-the spread between interest earned on loans and interest paid on deposits-to drive profitability.
The company’s business model emphasizes localized credit decision-making, focusing on small-to-medium enterprises (SMEs) and community development projects. Regional banks often face higher sensitivity to local economic conditions and interest rate cycles compared to larger money-center institutions. To better understand these risks, investors may find it useful to examine the companys valuation metrics on ValueRay.
Beyond traditional banking, Mid Penn Bancorp integrates non-interest income streams through trust services, retail investments, and insurance brokerage. This diversification helps mitigate the impact of fluctuating loan demand by providing fee-based revenue from institutional and private banking clients.
- Net interest margin fluctuates based on Federal Reserve benchmark interest rate changes
- Commercial real estate concentration in Pennsylvania and New Jersey impacts credit risk
- Strategic regional acquisitions drive deposit growth and market share expansion
- Non-interest income growth relies on wealth management and insurance service fees
- Regulatory capital requirements influence dividend stability and share repurchase capacity
| Net Income: 51.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.12 > 1.0 |
| NWC/Revenue: -1.47k% < 20% (prev -1.43k%; Δ -45.89% < -1%) |
| CFO/TA 0.01 > 3% & CFO 95.4m > Net Income 51.2m |
| Net Debt (9.06m) to EBITDA (71.1m): 0.13 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.4m) vs 12m ago 21.05% < -2% |
| Gross Margin: 63.51% > 18% (prev 0.58%; Δ 6.29k% > 0.5%) |
| Asset Turnover: 5.59% > 50% (prev 5.58%; Δ 0.01% > 0%) |
| Interest Coverage Ratio: 0.53 > 6 (EBITDA TTM 71.1m / Interest Expense TTM 124.1m) |
| A: -0.74 (Total Current Assets 93.9m - Total Current Liabilities 5.25b) / Total Assets 6.96b |
| B: 0.03 (Retained Earnings 222.2m / Total Assets 6.96b) |
| C: 0.01 (EBIT TTM 66.0m / Avg Total Assets 6.26b) |
| D: 0.04 (Book Value of Equity 239.8m / Total Liabilities 6.08b) |
| Altman-Z'' = -4.64 = D |
| DSRI: 1.07 (Receivables 33.0m/27.3m, Revenue 349.6m/309.5m) |
| GMI: 0.91 (GM 63.51% / 57.74%) |
| AQI: 1.05 (AQ_t 0.98 / AQ_t-1 0.93) |
| SGI: 1.13 (Revenue 349.6m / 309.5m) |
| TATA: -0.01 (NI 51.2m - CFO 95.4m) / TA 6.96b) |
| Beneish M = -2.93 (Cap -4..+1) = A |
As of May 24, 2026, the stock is trading at USD 32.64 with a total of 207,655 shares traded.
Over the past week, the price has changed by +3.95%,
over one month by -4.33%,
over three months by -0.14% and
over the past year by +23.72%.
Mid Penn Bancorp has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy MPB.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 35.5 | 8.8% |
P/E Forward = 11.0619
P/S = 3.2828
P/B = 0.9333
P/EG = 12.6612
Revenue TTM = 349.6m USD
EBIT TTM = 66.0m USD
EBITDA TTM = 71.1m USD
Long Term Debt = 20.2m USD (from longTermDebt, last fiscal year)
Short Term Debt = 31.5m USD (from shortTermDebt, last quarter)
Debt = 70.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 18.3m
Net Debt = 9.06m USD (calculated: Debt 70.0m - CCE 61.0m)
Enterprise Value = 797.8m USD (788.7m + Debt 70.0m - CCE 61.0m)
Interest Coverage Ratio = 0.53 (Ebit TTM 66.0m / Interest Expense TTM 124.1m)
EV/FCF = 15.19x (Enterprise Value 797.8m / FCF TTM 52.5m)
FCF Yield = 6.58% (FCF TTM 52.5m / Enterprise Value 797.8m)
FCF Margin = 15.03% (FCF TTM 52.5m / Revenue TTM 349.6m)
Net Margin = 14.65% (Net Income TTM 51.2m / Revenue TTM 349.6m)
Gross Margin = 63.51% ((Revenue TTM 349.6m - Cost of Revenue TTM 127.5m) / Revenue TTM)
Gross Margin QoQ = 60.99% (prev 67.12%)
Tobins Q-Ratio = 0.11 (Enterprise Value 797.8m / Total Assets 6.96b)
Interest Expense / Debt = 177.2% (Interest Expense 124.1m / Debt 70.0m)
Taxrate = 22.96% (2.60m / 11.3m)
NOPAT = 50.9m (EBIT 66.0m * (1 - 22.96%))
Current Ratio = 0.01 (Total Current Assets 93.9m / Total Current Liabilities 10.5b)
Debt / Equity = 0.08 (Debt 70.0m / totalStockholderEquity, last quarter 887.4m)
Debt / EBITDA = 0.13 (Net Debt 9.06m / EBITDA 71.1m)
Debt / FCF = 0.17 (Net Debt 9.06m / FCF TTM 52.5m)
Total Stockholder Equity = 818.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.82% (Net Income 51.2m / Total Assets 6.96b)
RoE = 6.26% (Net Income TTM 51.2m / Total Stockholder Equity 818.4m)
RoCE = 7.87% (EBIT 66.0m / Capital Employed (Equity 818.4m + L.T.Debt 20.2m))
RoIC = 0.73% (NOPAT 50.9m / Invested Capital 6.95b)
WACC = 8.27% (E(788.7m)/V(858.8m) * Re(9.0%) + (debt cost/tax rate unavailable))
Discount Rate = 9.0% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.85 | Cagr: 16.63%
[DCF] Terminal Value 76.47% ; FCFF base≈50.9m ; Y1≈54.7m ; Y5≈66.2m
[DCF] Fair Price = 39.69 (EV 1.02b - Net Debt 9.06m = Equity 1.01b / Shares 25.3m; r=8.35% [WACC [floored]]; 5y FCF grow 8.34% → 2.50% )
EPS Correlation: -1.10 | EPS CAGR: -0.08% | SUE: -4.0 | # QB: -1
Revenue Correlation: 97.02 | Revenue CAGR: 17.70% | SUE: 0.36 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.84 | Chg30d=-3.98% | Revisions=+0% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.82 | Chg30d=-9.34% | Revisions=-33% | Analysts=2
EPS current Year (2026-12-31): EPS=3.17 | Chg30d=-10.58% | Revisions=-33% | GrowthEPS=+5.0% | GrowthRev=+27.3%
EPS next Year (2027-12-31): EPS=3.62 | Chg30d=-9.49% | Revisions=-33% | GrowthEPS=+14.3% | GrowthRev=+8.2%
[Analyst] Revisions Ratio: -33%