MPB Stock Analysis: Mid Penn Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 892m USD | 12M Return: 20.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.32M
EPS Trend: -1.1%
Qual. Beats: -1
Rev. Trend: 97.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Mid Penn Bancorp, Inc. (NASDAQ: MPB) is the bank holding company for Mid Penn Bank, a regional commercial bank serving individuals, businesses, non-profits, and government entities in Pennsylvania and New Jersey. Founded in 1868 and headquartered in Harrisburg, Pennsylvania, the company operates as a community-oriented financial institution under the U.S. bank holding company structure common among regional banks.
The companys deposit offerings span traditional retail products, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. On the lending side, Mid Penn provides a diversified portfolio of mortgage, home equity, commercial, consumer, construction, agricultural, SBA, and government loans, reflecting the broad credit mix typical of community banks that serve both retail and small-to-mid-sized business customers in their local markets.
In addition to core banking services, the company generates fee-based income through trust, wealth management, retail investment, and personal and business insurance services, along with private banking and digital banking tools such as online bill payment, cash management, and debit and credit card products. These non-interest income lines are an important component of the business model for regional banks, helping diversify revenue beyond net interest margin.
- Net interest margin expands on rising Fed funds rate
- Commercial real estate loan portfolio faces credit quality risks
- Acquisition strategy drives branch network and asset growth
| Net Income: 51.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.49 > 1.0 |
| NWC/Revenue: -1.59k% < 20% (prev -1.43k%; Δ -166.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 94.4m > Net Income 51.2m |
| Net Debt (-336.3m) to EBITDA (74.4m): -4.52 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.4m) vs 12m ago 21.05% < -2% |
| Gross Margin: 63.51% > 18% (prev 57.74%; Δ 5.77% > 0.5%) |
| Asset Turnover: 5.59% > 50% (prev 5.58%; Δ 0.01% > 0%) |
| Interest Coverage Ratio: 0.53 > 6 (EBIT TTM 66.0m / Interest Expense TTM 124.1m) |
| A: -0.80 (Total Current Assets 441.0m - Total Current Liabilities 6.01b) / 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: 0.15 (Book Value of Equity 887.4m / Total Liabilities 6.08b) |
| Altman-Z'' = -4.92 = D |
| DSRI: 1.07 (Receivables 33.0m/27.3m, Revenue 349.6m/309.5m) |
| GMI: 0.91 (GM 57.74% / 63.51%) |
| AQI: 1.00 (AQ_t 0.93 / AQ_t-1 0.93) |
| SGI: 1.13 (Revenue 349.6m / 309.5m) |
| TATA: -0.01 (NI 51.2m - CFO 94.4m) / TA 6.96b) |
| Beneish M = -2.96 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 34.92 with a total of 122,715 shares traded. Over the past week, the price has changed by +1.99%, over one month by +6.08%, over three months by +6.55% and over the past year by +20.67%.
Current recommended Stop Loss: 33.50 (which is 4.1% or 1.4 ATR below the current price).
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 | 36.3 | 4% |
P/E Trailing = 15.9909
P/E Forward = 11.0619
P/S = 3.7111
P/B = 1.0048
P/EG = 12.6612
Revenue TTM = 349.6m USD
EBIT TTM = 66.0m USD
EBITDA TTM = 74.4m USD
Long Term Debt = 141k USD (from longTermDebt, last quarter)
Short Term Debt = 31.5m USD (from shortTermDebt, last quarter)
Debt = 71.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 20.1m
Net Debt = -336.3m USD (calculated: Debt 71.8m - CCE 408.0m)
Enterprise Value = 555.4m USD (891.6m + Debt 71.8m - CCE 408.0m)
Interest Coverage Ratio = 0.53 (Ebit TTM 66.0m / Interest Expense TTM 124.1m)
EV/FCF = 6.35x (Enterprise Value 555.4m / FCF TTM 87.4m)
FCF Yield = 15.74% (FCF TTM 87.4m / Enterprise Value 555.4m)
FCF Margin = 25.01% (FCF TTM 87.4m / 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 = 0.08 (Enterprise Value 555.4m / Total Assets 6.96b)
Interest Expense / Debt = 172.9% (Interest Expense 124.1m / Debt 71.8m)
Taxrate = 23.41% (15.7m / 66.9m)
NOPAT = 50.6m (EBIT 66.0m * (1 - 23.41%))
Current Ratio = 0.07 (Total Current Assets 441.0m / Total Current Liabilities 6.01b)
Debt / Equity = 0.08 (Debt 71.8m / totalStockholderEquity, last quarter 887.4m)
Debt / EBITDA = -4.52 (Net Debt -336.3m / EBITDA 74.4m)
Debt / FCF = -3.85 (Net Debt -336.3m / FCF TTM 87.4m)
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 = 8.07% (EBIT 66.0m / Capital Employed (Equity 818.4m + L.T.Debt 141k))
RoIC = 5.24% (NOPAT 50.6m / Invested Capital 964.2m)
WACC = 7.90% (E(891.6m)/V(963.4m) * Re(8.54%) + (debt cost/tax rate unavailable))
Discount Rate = 8.54% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.85 | Cagr: 16.63%
[DCF] Terminal Value 77.97% ; FCFF base≈69.3m ; Y1≈79.5m ; Y5≈117.0m
[DCF] Fair Price = 82.73 (EV 1.76b - Net Debt -336.3m = Equity 2.10b / Shares 25.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 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=0.83 | Chg30d=-1.38% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.83 | Chg30d=+1.01% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=3.18 | Chg30d=+0.32% | Revisions=-40% | GrowthEPS=+5.3% | GrowthRev=+27.3%
EPS next Year (2027-12-31): EPS=3.67 | Chg30d=+1.15% | Revisions=-40% | GrowthEPS=+15.3% | GrowthRev=+8.2%
[Analyst] Revisions Ratio: -55% (up=1, down=7)