MPB Fundamental Analysis - MID PENN BANCORP INC

Fundamental Rating

Overall MPB gets a fundamental rating of 4 out of 10. We evaluated MPB against 395 industry peers in the Banks industry. MPB has a bad profitability rating. Also its financial health evaluation is rather negative. MPB has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

MPB had positive earnings in the past year.

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

In the past 5 years MPB has always been profitable.

MPB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

MPB has a worse Return On Assets (0.69%) than 61.52% of its industry peers.

The Return On Equity of MPB (5.68%) is worse than 72.15% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.69%
ROE	5.68%
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

The Profit Margin of MPB (22.60%) is comparable to the rest of the 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)	22.6%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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

Compared to 5 years ago, MPB has more shares outstanding

MPB has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of MPB is 0.79, which is an excellent value as it means it would take MPB, only 0.79 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 0.79, MPB is doing good in the industry, outperforming 77.47% of the companies in the same industry.

A Debt/Equity ratio of 0.05 indicates that MPB is not too dependend on debt financing.

MPB has a better Debt to Equity ratio (0.05) than 80.51% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.79
Altman-Z	N/A

ROIC/WACCN/A

WACC18.84%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for MPB have decreased by -8.79% in the last year.

Measured over the past 5 years, MPB shows a small growth in Earnings Per Share. The EPS has been growing by 6.77% on average per year.

The Revenue has grown by 13.74% in the past year. This is quite good.

The Revenue has been growing by 16.72% on average over the past years. This is quite good.

EPS 1Y (TTM)-8.79%

EPS 3Y-0.9%

EPS 5Y6.77%

EPS Q2Q%-54.93%

Revenue 1Y (TTM)13.74%

Revenue growth 3Y11.26%

Revenue growth 5Y16.72%

Sales Q2Q%23.25%

3.2 Future

Based on estimates for the next years, MPB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.55% on average per year.

The Revenue is expected to grow by 17.87% on average over the next years. This is quite good.

EPS Next Y-25.82%

EPS Next 2Y8.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year23.78%

Revenue Next 2Y17.87%

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.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.09, which indicates a correct valuation of MPB.

The rest of the industry has a similar Price/Earnings ratio as MPB.

When comparing the Price/Earnings ratio of MPB to the average of the S&P500 Index (26.90), we can say MPB is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.81, the valuation of MPB can be described as very reasonable.

MPB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MPB is cheaper than 75.95% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.52. MPB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.09
Fwd PE	8.81

4.2 Price Multiples

MPB's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	13.66
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.79

EPS Next 2Y8.55%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

MPB has a Yearly Dividend Yield of 2.65%.

Compared to an average industry Dividend Yield of 3.17, MPB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.32, MPB has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.65%

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

35.69% of the earnings are spent on dividend by MPB. This is a low number and sustainable payout ratio.

DP35.69%

EPS Next 2Y8.55%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

MID PENN BANCORP INC

NASDAQ:MPB (9/2/2025, 8:19:53 PM)

After market: 30.11 0 (0%)

30.11

-0.03 (-0.1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners44.95%

Inst Owner Change11.76%

Ins Owners3.34%

Ins Owner Change8.03%

Market Cap692.53M

Analysts83.33

Price Target34.68 (15.18%)

Short Float %1.59%

Short Ratio2.7

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.65%

Yearly Dividend0.77

Dividend Growth(5Y)-0.45%

DP35.69%

Div Incr Years0

Div Non Decr Years2

Ex-Date08-08 2025-08-08 (0.2)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-2.27%

Min EPS beat(2)-12.48%

Max EPS beat(2)7.93%

EPS beat(4)2

Avg EPS beat(4)-0.48%

Min EPS beat(4)-12.48%

Max EPS beat(4)7.93%

EPS beat(8)5

Avg EPS beat(8)5.64%

EPS beat(12)7

Avg EPS beat(12)3.38%

EPS beat(16)10

Avg EPS beat(16)7.5%

Revenue beat(2)1

Avg Revenue beat(2)0.47%

Min Revenue beat(2)-0.72%

Max Revenue beat(2)1.66%

Revenue beat(4)3

Avg Revenue beat(4)0.91%

Min Revenue beat(4)-0.72%

Max Revenue beat(4)1.82%

Revenue beat(8)6

Avg Revenue beat(8)1.02%

Revenue beat(12)8

Avg Revenue beat(12)0.35%

Revenue beat(16)12

Avg Revenue beat(16)1.87%

PT rev (1m)-2.86%

PT rev (3m)-2.86%

EPS NQ rev (1m)0.88%

EPS NQ rev (3m)-4.51%

EPS NY rev (1m)-14.01%

EPS NY rev (3m)-14.01%

Revenue NQ rev (1m)0.69%

Revenue NQ rev (3m)6.72%

Revenue NY rev (1m)0.2%

Revenue NY rev (3m)0.2%

Valuation

		Industry Rank	Sector Rank
PE	12.09
Fwd PE	8.81
P/S	3.55
P/FCF	13.66
P/OCF	11.27
P/B	0.89
P/tB	1.11
EV/EBITDA	N/A

EPS(TTM)2.49

EY8.27%

EPS(NY)3.42

Fwd EY11.35%

FCF(TTM)2.2

FCFY7.32%

OCF(TTM)2.67

OCFY8.87%

SpS8.47

BVpS33.73

TBVpS27.12

PEG (NY)N/A

PEG (5Y)1.79

Profitability

		Industry Rank	Sector Rank
ROA	0.69%
ROE	5.68%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.6%
GM	N/A
FCFM	26.01%

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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.79
Debt/EBITDA	N/A
Cap/Depr	148.03%
Cap/Sales	5.52%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	115.12%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC18.84%

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)-8.79%

EPS 3Y-0.9%

EPS 5Y6.77%

EPS Q2Q%-54.93%

EPS Next Y-25.82%

EPS Next 2Y8.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)13.74%

Revenue growth 3Y11.26%

Revenue growth 5Y16.72%

Sales Q2Q%23.25%

Revenue Next Year23.78%

Revenue Next 2Y17.87%

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-10.35%

FCF growth 3Y-10.68%

FCF growth 5Y62.37%

OCF growth 1Y2.26%

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

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens