MPB Fundamental Analysis - MID PENN BANCORP INC

Fundamental Rating

Taking everything into account, MPB scores 4 out of 10 in our fundamental rating. MPB was compared to 395 industry peers in the Banks industry. MPB has a medium profitability rating, but doesn't score so well on its financial health evaluation. MPB has a correct valuation and a medium growth rate.

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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.

Each year in the past 5 years MPB has been profitable.

Each year in the past 5 years MPB had a positive operating cash flow.

1.2 Ratios

MPB has a Return On Assets of 0.92%. This is comparable to the rest of the industry: MPB outperforms 57.72% of its industry peers.

MPB has a Return On Equity (7.64%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.92%
ROE	7.64%
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

Looking at the Profit Margin, with a value of 27.65%, MPB is in the better half of the industry, outperforming 74.94% of the companies in the same industry.

In the last couple of years the Profit Margin of MPB has grown nicely.

MPB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.65%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

MPB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, MPB has more shares outstanding

The number of shares outstanding for MPB has been increased compared to 5 years ago.

The debt/assets ratio for MPB has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of MPB is 1.79, which is an excellent value as it means it would take MPB, only 1.79 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.79, MPB is in line with its industry, outperforming 53.67% of the companies in the same industry.

A Debt/Equity ratio of 0.11 indicates that MPB is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.11, MPB is in the better half of the industry, outperforming 67.34% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	1.79
Altman-Z	N/A

ROIC/WACCN/A

WACC20.03%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.67% over the past year.

MPB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.77% yearly.

MPB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.31%.

MPB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.72% yearly.

EPS 1Y (TTM)6.67%

EPS 3Y-0.9%

EPS 5Y6.77%

EPS Q2Q%-2.74%

Revenue 1Y (TTM)9.31%

Revenue growth 3Y11.26%

Revenue growth 5Y16.72%

Sales Q2Q%12.9%

3.2 Future

MPB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.80% yearly.

MPB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.54% yearly.

EPS Next Y-13.73%

EPS Next 2Y8.8%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year23.53%

Revenue Next 2Y18.54%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.38, the valuation of MPB can be described as very reasonable.

Based on the Price/Earnings ratio, MPB is valued cheaper than 80.76% of the companies in the same industry.

MPB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.

The Price/Forward Earnings ratio is 7.86, which indicates a rather cheap valuation of MPB.

75.95% of the companies in the same industry are more expensive than MPB, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of MPB to the average of the S&P500 Index (21.03), we can say MPB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.38
Fwd PE	7.86

4.2 Price Multiples

MPB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. MPB is more expensive than 66.84% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	15.39
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.38

EPS Next 2Y8.8%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

MPB has a Yearly Dividend Yield of 3.00%.

MPB's Dividend Yield is comparable with the industry average which is at 3.61.

Compared to an average S&P500 Dividend Yield of 2.44, MPB pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3%

5.2 History

The dividend of MPB decreases each year by -0.45%.

MPB has paid a dividend for at least 10 years, which is a reliable track record.

MPB has decreased its dividend in the last 3 years.

Dividend Growth(5Y)-0.45%

Div Incr Years0

Div Non Decr Years2

5.3 Sustainability

MPB pays out 28.17% of its income as dividend. This is a sustainable payout ratio.

DP28.17%

EPS Next 2Y8.8%

EPS Next 3YN/A

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MID PENN BANCORP INC

NASDAQ:MPB (6/20/2025, 8:00:02 PM)

After market: 27 0 (0%)

+0.3 (+1.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-22 2025-07-22/amc

Inst Owners40.43%

Inst Owner Change-0.25%

Ins Owners3.26%

Ins Owner Change7.42%

Market Cap634.50M

Analysts83.33

Price Target35.7 (32.22%)

Short Float %1.59%

Short Ratio2.86

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3%

Yearly Dividend0.77

Dividend Growth(5Y)-0.45%

DP28.17%

Div Incr Years0

Div Non Decr Years2

Ex-Date05-08 2025-05-08 (0.2)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.93%

Min EPS beat(2)-0.06%

Max EPS beat(2)7.93%

EPS beat(4)3

Avg EPS beat(4)6.61%

Min EPS beat(4)-0.06%

Max EPS beat(4)15.87%

EPS beat(8)5

Avg EPS beat(8)7.16%

EPS beat(12)8

Avg EPS beat(12)5.29%

EPS beat(16)11

Avg EPS beat(16)11.2%

Revenue beat(2)2

Avg Revenue beat(2)1.74%

Min Revenue beat(2)1.66%

Max Revenue beat(2)1.82%

Revenue beat(4)4

Avg Revenue beat(4)2.13%

Min Revenue beat(4)0.87%

Max Revenue beat(4)4.17%

Revenue beat(8)7

Avg Revenue beat(8)1.14%

Revenue beat(12)9

Avg Revenue beat(12)0.74%

Revenue beat(16)13

Avg Revenue beat(16)2.48%

PT rev (1m)0%

PT rev (3m)-4.11%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-48.24%

EPS NY rev (1m)0%

EPS NY rev (3m)-12.79%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.61%

Revenue NY rev (1m)0%

Revenue NY rev (3m)4.29%

Valuation

		Industry Rank	Sector Rank
PE	9.38
Fwd PE	7.86
P/S	3.44
P/FCF	15.39
P/OCF	12.56
P/B	0.95
P/tB	1.19
EV/EBITDA	N/A

EPS(TTM)2.88

EY10.67%

EPS(NY)3.43

Fwd EY12.71%

FCF(TTM)1.75

FCFY6.5%

OCF(TTM)2.15

OCFY7.96%

SpS7.86

BVpS28.42

TBVpS22.72

PEG (NY)N/A

PEG (5Y)1.38

Profitability

		Industry Rank	Sector Rank
ROA	0.92%
ROE	7.64%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.65%
GM	N/A
FCFM	22.33%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	1.79
Debt/EBITDA	N/A
Cap/Depr	137.13%
Cap/Sales	5.03%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	80.76%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC20.03%

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)6.67%

EPS 3Y-0.9%

EPS 5Y6.77%

EPS Q2Q%-2.74%

EPS Next Y-13.73%

EPS Next 2Y8.8%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)9.31%

Revenue growth 3Y11.26%

Revenue growth 5Y16.72%

Sales Q2Q%12.9%

Revenue Next Year23.53%

Revenue Next 2Y18.54%

Revenue Next 3YN/A

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 1Y-29.21%

FCF growth 3Y-10.68%

FCF growth 5Y62.37%

OCF growth 1Y-18.57%

OCF growth 3Y-7.96%

OCF growth 5Y45.69%

MID PENN BANCORP INC (MPB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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