29.35 USD
+0.08 (+0.27%)
Overall MPB gets a fundamental rating of 4 out of 10. We evaluated MPB against 387 industry peers in the Banks industry. MPB may be in some trouble as it scores bad on both profitability and health. MPB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
MPB had positive earnings in the past year.
In the past year MPB had a positive cash flow from operations.
MPB had positive earnings in each of the past 5 years.
In the past 5 years MPB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.80%, MPB is in line with its industry, outperforming 42.64% of the companies in the same industry.
The Return On Equity of MPB (6.28%) is worse than 71.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 6.28% | ||
| ROIC | N/A |
ROA(3y)0.94%
ROA(5y)0.87%
ROE(3y)8.38%
ROE(5y)8.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MPB has a Profit Margin (23.67%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of MPB has grown nicely.
The Operating Margin and Gross Margin are not available for MPB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.67% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7%
PM growth 5Y5.21%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MPB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MPB has been increased compared to 1 year ago.
Compared to 5 years ago, MPB has more shares outstanding
The debt/assets ratio for MPB has been reduced compared to a year ago.
2.2 Solvency
MPB has a debt to FCF ratio of 0.69. This is a very positive value and a sign of high solvency as it would only need 0.69 years to pay back of all of its debts.
MPB has a Debt to FCF ratio of 0.69. This is in the better half of the industry: MPB outperforms 77.78% of its industry peers.
MPB has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.05, MPB is doing good in the industry, outperforming 79.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MPB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.71%.
The Earnings Per Share has been growing slightly by 6.77% on average over the past years.
The Revenue has grown by 21.56% in the past year. This is a very strong growth!
The Revenue has been growing by 16.72% on average over the past years. This is quite good.
EPS 1Y (TTM)-12.71%
EPS 3Y-0.9%
EPS 5Y6.77%
EPS Q2Q%6.76%
Revenue 1Y (TTM)21.56%
Revenue growth 3Y11.26%
Revenue growth 5Y16.72%
Sales Q2Q%36.31%
3.2 Future
The Earnings Per Share is expected to grow by 13.45% on average over the next years. This is quite good.
MPB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.27% yearly.
EPS Next Y-2.4%
EPS Next 2Y8.1%
EPS Next 3Y13.45%
EPS Next 5YN/A
Revenue Next Year25.4%
Revenue Next 2Y26.82%
Revenue Next 3Y21.27%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
MPB is valuated reasonably with a Price/Earnings ratio of 11.56.
MPB's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 25.47, MPB is valued rather cheaply.
A Price/Forward Earnings ratio of 8.66 indicates a reasonable valuation of MPB.
71.83% of the companies in the same industry are more expensive than MPB, based on the Price/Forward Earnings ratio.
MPB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.56 | ||
| Fwd PE | 8.66 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as MPB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MPB's earnings are expected to grow with 13.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)1.71
EPS Next 2Y8.1%
EPS Next 3Y13.45%
5. Dividend
5.1 Amount
MPB has a Yearly Dividend Yield of 3.11%.
MPB's Dividend Yield is comparable with the industry average which is at 3.33.
MPB's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
5.2 History
The dividend of MPB decreases each year by -0.45%.
MPB has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of MPB decreased in the last 3 years.
Dividend Growth(5Y)-0.45%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
MPB pays out 33.87% of its income as dividend. This is a sustainable payout ratio.
DP33.87%
EPS Next 2Y8.1%
EPS Next 3Y13.45%
NASDAQ:MPB (11/24/2025, 2:09:31 PM)
29.35
+0.08 (+0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners49.08%
Inst Owner Change4.45%
Ins Owners3.34%
Ins Owner Change0.23%
Market Cap679.16M
Revenue(TTM)211.34M
Net Income(TTM)50.03M
Analysts83.33
Price Target36.72 (25.11%)
Short Float %3.64%
Short Ratio5.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
Yearly Dividend0.77
Dividend Growth(5Y)-0.45%
DP33.87%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.61%
Min EPS beat(2)-12.48%
Max EPS beat(2)33.71%
EPS beat(4)2
Avg EPS beat(4)7.27%
Min EPS beat(4)-12.48%
Max EPS beat(4)33.71%
EPS beat(8)6
Avg EPS beat(8)11.26%
EPS beat(12)7
Avg EPS beat(12)4.82%
EPS beat(16)10
Avg EPS beat(16)6.43%
Revenue beat(2)1
Avg Revenue beat(2)1.95%
Min Revenue beat(2)-0.72%
Max Revenue beat(2)4.62%
Revenue beat(4)3
Avg Revenue beat(4)1.84%
Min Revenue beat(4)-0.72%
Max Revenue beat(4)4.62%
Revenue beat(8)6
Avg Revenue beat(8)1.51%
Revenue beat(12)8
Avg Revenue beat(12)0.03%
Revenue beat(16)12
Avg Revenue beat(16)1.44%
PT rev (1m)5.88%
PT rev (3m)5.88%
EPS NQ rev (1m)12.42%
EPS NQ rev (3m)15.2%
EPS NY rev (1m)23.73%
EPS NY rev (3m)31.57%
Revenue NQ rev (1m)1.42%
Revenue NQ rev (3m)3.66%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)1.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.56 | ||
| Fwd PE | 8.66 | ||
| P/S | 3.21 | ||
| P/FCF | 11.67 | ||
| P/OCF | 9.58 | ||
| P/B | 0.85 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.54
EY8.65%
EPS(NY)3.39
Fwd EY11.55%
FCF(TTM)2.51
FCFY8.57%
OCF(TTM)3.06
OCFY10.44%
SpS9.13
BVpS34.41
TBVpS27.84
PEG (NY)N/A
PEG (5Y)1.71
Graham Number44.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 6.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.67% | ||
| GM | N/A | ||
| FCFM | 27.54% |
ROA(3y)0.94%
ROA(5y)0.87%
ROE(3y)8.38%
ROE(5y)8.27%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7%
PM growth 5Y5.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.69 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 170.03% | ||
| Cap/Sales | 6% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.31% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC18.88%
ROIC/WACCN/A
Cap/Depr(3y)69.11%
Cap/Depr(5y)71.86%
Cap/Sales(3y)2.67%
Cap/Sales(5y)2.83%
Profit Quality(3y)107.72%
Profit Quality(5y)115.15%
High Growth Momentum
Growth
EPS 1Y (TTM)-12.71%
EPS 3Y-0.9%
EPS 5Y6.77%
EPS Q2Q%6.76%
EPS Next Y-2.4%
EPS Next 2Y8.1%
EPS Next 3Y13.45%
EPS Next 5YN/A
Revenue 1Y (TTM)21.56%
Revenue growth 3Y11.26%
Revenue growth 5Y16.72%
Sales Q2Q%36.31%
Revenue Next Year25.4%
Revenue Next 2Y26.82%
Revenue Next 3Y21.27%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.86%
FCF growth 3Y-10.68%
FCF growth 5Y62.37%
OCF growth 1Y29.35%
OCF growth 3Y-7.96%
OCF growth 5Y45.69%
MID PENN BANCORP INC / MPB FAQ
What is the ChartMill fundamental rating of MID PENN BANCORP INC (MPB) stock?
ChartMill assigns a fundamental rating of 4 / 10 to MPB.
What is the valuation status of MID PENN BANCORP INC (MPB) stock?
ChartMill assigns a valuation rating of 4 / 10 to MID PENN BANCORP INC (MPB). This can be considered as Fairly Valued.
Can you provide the profitability details for MID PENN BANCORP INC?
MID PENN BANCORP INC (MPB) has a profitability rating of 3 / 10.
What is the valuation of MID PENN BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for MID PENN BANCORP INC (MPB) is 11.56 and the Price/Book (PB) ratio is 0.85.
What is the financial health of MID PENN BANCORP INC (MPB) stock?
The financial health rating of MID PENN BANCORP INC (MPB) is 3 / 10.