MID PENN BANCORP INC (MPB)

US59540G1076 - Common Stock

21.1  +0.3 (+1.44%)

Fundamental Rating

3

Taking everything into account, MPB scores 3 out of 10 in our fundamental rating. MPB was compared to 412 industry peers in the Banks industry. Both the profitability and financial health of MPB have multiple concerns. MPB has a decent growth rate and is not valued too expensively.



Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year MPB was profitable.
MPB had a positive operating cash flow in the past year.
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 0.71%, MPB is doing worse than 63.84% of the companies in the same industry.
The Return On Equity of MPB (6.90%) is worse than 69.42% of its industry peers.
Industry RankSector Rank
ROA 0.71%
ROE 6.9%
ROIC N/A
ROA(3y)0.85%
ROA(5y)0.84%
ROE(3y)7.86%
ROE(5y)8.25%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

MPB has a Profit Margin (22.40%) which is in line with its industry peers.
MPB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for MPB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.2%
PM growth 5Y6.22%
GM growth 3YN/A
GM growth 5YN/A

More info and screens

0

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

2.2 Solvency

MPB has a debt to FCF ratio of 5.92. This is a neutral value as MPB would need 5.92 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.92, MPB is doing worse than 71.12% of the companies in the same industry.
A Debt/Equity ratio of 0.54 indicates that MPB is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.54, MPB is doing worse than 72.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 5.92
Altman-Z N/A
ROIC/WACCN/A
WACC17.22%

2.3 Liquidity

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

More info and screens

4

3. Growth

3.1 Past

The earnings per share for MPB have decreased strongly by -22.38% in the last year.
The Earnings Per Share has been growing by 9.10% on average over the past years. This is quite good.
Looking at the last year, MPB shows a decrease in Revenue. The Revenue has decreased by -2.62% in the last year.
The Revenue has been growing by 21.37% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-22.38%
EPS 3Y-4.86%
EPS 5Y9.1%
EPS growth Q2Q-26.26%
Revenue 1Y (TTM)-2.62%
Revenue growth 3Y16.32%
Revenue growth 5Y21.37%
Revenue growth Q2Q-7.01%

3.2 Future

MPB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.63% yearly.
MPB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.
EPS Next Y-1.96%
EPS Next 2Y5.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.57%
Revenue Next 2Y5.95%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

MPB is valuated cheaply with a Price/Earnings ratio of 7.90.
Compared to the rest of the industry, the Price/Earnings ratio of MPB indicates a somewhat cheap valuation: MPB is cheaper than 76.94% of the companies listed in the same industry.
MPB is valuated cheaply when we compare the Price/Earnings ratio to 24.55, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.06, the valuation of MPB can be described as very reasonable.
81.31% of the companies in the same industry are more expensive than MPB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.92, MPB is valued rather cheaply.
Industry RankSector Rank
PE 7.9
Fwd PE 8.06

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MPB is valued a bit cheaper than the industry average as 69.17% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.11
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.87
EPS Next 2Y5.63%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

MPB has a Yearly Dividend Yield of 3.95%.
MPB's Dividend Yield is comparable with the industry average which is at 3.86.
Compared to an average S&P500 Dividend Yield of 2.39, MPB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.95%

5.2 History

The dividend of MPB has a limited annual growth rate of 1.90%.
MPB has paid a dividend for at least 10 years, which is a reliable track record.
MPB has decreased its dividend recently.
Dividend Growth(5Y)1.9%
Div Incr Years0
Div Non Decr Years1

5.3 Sustainability

34.70% of the earnings are spent on dividend by MPB. This is a low number and sustainable payout ratio.
The dividend of MPB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.7%
EPS Next 2Y5.63%
EPS Next 3YN/A

More info and screens

MID PENN BANCORP INC

NASDAQ:MPB (5/2/2024, 2:45:26 PM)

21.1

+0.3 (+1.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap349.63M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.95%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 7.9
Fwd PE 8.06
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.87
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 6.9%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 22.4%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-22.38%
EPS 3Y-4.86%
EPS 5Y
EPS growth Q2Q
EPS Next Y-1.96%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.62%
Revenue growth 3Y16.32%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y