MPB Stock Analysis: Mid Penn Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 913m USD | 12M Return: 26.8% | US59540G1076 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.47M
EPS Trend: 68.6%
Qual. Beats: 0
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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. is a bank holding company that operates Mid Penn Bank, a regional community bank serving individuals, businesses, nonprofits, and government entities across Pennsylvania and New Jersey. The company provides a full suite of traditional banking services, including deposit products (checking, savings, money market, CDs, IRAs), a diverse loan portfolio (residential mortgages, home equity loans, commercial and consumer loans, construction and farm financing, SBA loans, and municipal lending), and complementary services such as trust and wealth management, retail investments, insurance, and digital banking. Founded in 1868 and headquartered in Harrisburg, Pennsylvania, Mid Penn operates as a small-cap regional bank within the diversified financials sector, reflecting the community banking business model that emphasizes relationship-based lending, local market knowledge, and cross-selling fee-based services like wealth management and insurance to enhance non-interest income.
- Net interest margin expansion on Fed rate hold
- Commercial loan growth outpaces peers in Mid-Atlantic
- Deposit cost pressure eases as competition moderates
| Net Income: 68.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.51 > 1.0 |
| NWC/Revenue: -1.37k% < 20% (prev -1.55k%; Δ 181.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 98.8m > Net Income 68.1m |
| Net Debt (-788.8m) to EBITDA (100.1m): -7.88 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.4m) vs 12m ago 21.05% < -2% |
| Gross Margin: 66.21% > 18% (prev 59.00%; Δ 7.21% > 0.5%) |
| Asset Turnover: 5.53% > 50% (prev 5.02%; Δ 0.51% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBIT TTM 89.3m / Interest Expense TTM 123.7m) |
| A: -0.72 (Total Current Assets 1.01b - Total Current Liabilities 6.10b) / Total Assets 7.06b |
| B: 0.03 (Retained Earnings 238.2m / Total Assets 7.06b) |
| C: 0.01 (EBIT TTM 89.3m / Avg Total Assets 6.71b) |
| D: 0.15 (Book Value of Equity 901.9m / Total Liabilities 6.16b) |
| Altman-Z'' = -4.37 = D |
| DSRI: 1.01 (Receivables 33.4m/28.5m, Revenue 371.1m/319.0m) |
| GMI: 0.89 (GM 59.00% / 66.21%) |
| AQI: 0.93 (AQ_t 0.85 / AQ_t-1 0.91) |
| SGI: 1.16 (Revenue 371.1m / 319.0m) |
| TATA: -0.00 (NI 68.1m - CFO 98.8m) / TA 7.06b) |
| Beneish M = -3.04 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 36.42 with a total of 79,721 shares traded. Over the past week, the price has changed by +1.05%, over one month by -1.35%, over three months by +3.65% and over the past year by +26.84%.
Current recommended Stop Loss: 35.40 (which is 2.8% or 1.3 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 | 40.3 | 10.7% |
P/E Trailing = 12.5139
P/E Forward = 11.0619
P/S = 3.465
P/B = 1.0087
P/EG = 12.6612
Revenue TTM = 371.1m USD
EBIT TTM = 89.3m USD
EBITDA TTM = 100.1m USD
Long Term Debt = 60.0k USD (from longTermDebt, last quarter)
Short Term Debt = 137.5m USD (from shortTermDebt, last quarter)
Debt = 175.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 19.1m
Net Debt = -788.8m USD (calculated: Debt 175.8m - CCE 964.6m)
Enterprise Value = 124.3m USD (913.1m + Debt 175.8m - CCE 964.6m)
Interest Coverage Ratio = 0.72 (Ebit TTM 89.3m / Interest Expense TTM 123.7m)
EV/FCF = 1.34x (Enterprise Value 124.3m / FCF TTM 92.4m)
FCF Yield = 74.38% (FCF TTM 92.4m / Enterprise Value 124.3m)
FCF Margin = 24.91% (FCF TTM 92.4m / Revenue TTM 371.1m)
Net Margin = 18.36% (Net Income TTM 68.1m / Revenue TTM 371.1m)
Gross Margin = 66.21% ((Revenue TTM 371.1m - Cost of Revenue TTM 125.4m) / Revenue TTM)
Gross Margin QoQ = 70.17% (prev 60.99%)
Tobins Q-Ratio = 0.02 (Enterprise Value 124.3m / Total Assets 7.06b)
Interest Expense / Debt = 70.37% (Interest Expense 123.7m / Debt 175.8m)
Taxrate = 24.42% (22.0m / 90.2m)
NOPAT = 67.5m (EBIT 89.3m * (1 - 24.42%))
Current Ratio = 0.17 (Total Current Assets 1.01b / Total Current Liabilities 6.10b)
Debt / Equity = 0.19 (Debt 175.8m / totalStockholderEquity, last quarter 901.9m)
Debt / EBITDA = -7.88 (Net Debt -788.8m / EBITDA 100.1m)
Debt / FCF = -8.53 (Net Debt -788.8m / FCF TTM 92.4m)
Total Stockholder Equity = 849.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 68.1m / Total Assets 7.06b)
RoE = 8.02% (Net Income TTM 68.1m / Total Stockholder Equity 849.9m)
RoCE = 10.51% (EBIT 89.3m / Capital Employed (Equity 849.9m + L.T.Debt 60.0k))
RoIC = 6.26% (NOPAT 67.5m / Invested Capital 1.08b)
WACC = 6.26% (E(913.1m)/V(1.09b) * Re(7.46%) + (debt cost/tax rate unavailable))
Discount Rate = 7.46% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.51 | Cagr: 16.51%
[DCF] Terminal Value 77.97% ; FCFF base≈75.7m ; Y1≈86.8m ; Y5≈127.8m
[DCF] Fair Price = 107.0 (EV 1.92b - Net Debt -788.8m = Equity 2.71b / Shares 25.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 68.60 | EPS CAGR: 4.18% | SUE: 0.76 | # QB: 0
Revenue Correlation: 98.10 | Revenue CAGR: 15.73% | SUE: 0.82 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.91 | Chg30d=+0.00% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=3.35 | Chg30d=-0.10% | Revisions=+40% | GrowthEPS=+10.8% | GrowthRev=+31.2%
EPS next Year (2027-12-31): EPS=3.83 | Chg30d=-0.61% | Revisions=+40% | GrowthEPS=+14.5% | GrowthRev=+9.3%
[Analyst] Revisions Ratio: +67% (up=6, down=0)