MID PENN BANCORP INC (MPB) Fundamental Analysis & Valuation

NASDAQ:MPB • US59540G1076

Current stock price

31.13 USD
-0.11 (-0.35%)
At close:
31.13 USD
0 (0%)
After Hours:

This MPB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MPB Profitability Analysis

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 4 of the past 5 years.
MPB Yearly Net Income VS EBIT VS OCF VS FCFMPB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • MPB has a worse Return On Assets (0.80%) than 61.94% of its industry peers.
  • MPB's Return On Equity of 6.28% is on the low side compared to the rest of the industry. MPB is outperformed by 73.23% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 6.28%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.87%
ROE(3y)7.12%
ROE(5y)7.61%
ROIC(3y)N/A
ROIC(5y)N/A
MPB Yearly ROA, ROE, ROICMPB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of MPB (23.67%) is comparable to the rest of the industry.
  • MPB's Profit Margin has been stable 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) 23.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.98%
PM growth 5Y0.16%
GM growth 3YN/A
GM growth 5YN/A
MPB Yearly Profit, Operating, Gross MarginsMPB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. MPB Health Analysis

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.
MPB Yearly Shares OutstandingMPB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
MPB Yearly Total Debt VS Total AssetsMPB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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.
  • With a decent Debt to FCF ratio value of 0.69, MPB is doing good in the industry, outperforming 76.12% of the companies in the same industry.
  • A Debt/Equity ratio of 0.05 indicates that MPB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.05, MPB is in the better half of the industry, outperforming 79.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.69
Altman-Z N/A
ROIC/WACCN/A
WACC18.66%
MPB Yearly LT Debt VS Equity VS FCFMPB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MPB Yearly Current Assets VS Current LiabilitesMPB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. MPB Growth Analysis

3.1 Past

  • MPB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.62%.
  • MPB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.09% yearly.
  • Looking at the last year, MPB shows a very strong growth in Revenue. The Revenue has grown by 26.11%.
  • Measured over the past years, MPB shows a quite strong growth in Revenue. The Revenue has been growing by 16.32% on average per year.
EPS 1Y (TTM)-8.62%
EPS 3Y-8.33%
EPS 5Y-3.09%
EPS Q2Q%15.28%
Revenue 1Y (TTM)26.11%
Revenue growth 3Y9.62%
Revenue growth 5Y16.32%
Sales Q2Q%30.78%

3.2 Future

  • MPB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.76% yearly.
  • Based on estimates for the next years, MPB will show a quite strong growth in Revenue. The Revenue will grow by 19.15% on average per year.
EPS Next Y34.52%
EPS Next 2Y22.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.71%
Revenue Next 2Y19.15%
Revenue Next 3YN/A
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 stable: in the next years the growth will be about the same than in the last years.
MPB Yearly Revenue VS EstimatesMPB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
MPB Yearly EPS VS EstimatesMPB Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. MPB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.75 indicates a reasonable valuation of MPB.
  • MPB's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, MPB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.73 indicates a reasonable valuation of MPB.
  • Based on the Price/Forward Earnings ratio, MPB is valued a bit cheaper than 75.85% of the companies in the same industry.
  • MPB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.75
Fwd PE 8.73
MPB Price Earnings VS Forward Price EarningsMPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • MPB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.39
EV/EBITDA N/A
MPB Per share dataMPB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as MPB's earnings are expected to grow with 22.76% in the coming years.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y22.76%
EPS Next 3YN/A

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4

5. MPB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.82%, MPB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.80, MPB has a dividend in line with its industry peers.
  • MPB's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.82%

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.
  • MPB has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.45%
Div Incr Years0
Div Non Decr Years2
MPB Yearly Dividends per shareMPB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • MPB pays out 33.87% of its income as dividend. This is a sustainable payout ratio.
DP33.87%
EPS Next 2Y22.76%
EPS Next 3YN/A
MPB Yearly Income VS Free CF VS DividendMPB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
MPB Dividend Payout.MPB Dividend Payout, showing the Payout Ratio.MPB Dividend Payout.PayoutRetained Earnings

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MPB Fundamentals: All Metrics, Ratios and Statistics

MID PENN BANCORP INC

NASDAQ:MPB (3/20/2026, 8:11:06 PM)

After market: 31.13 0 (0%)

31.13

-0.11 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners52.41%
Inst Owner Change2.19%
Ins Owners3.32%
Ins Owner Change0.34%
Market Cap721.59M
Revenue(TTM)225.94M
Net Income(TTM)50.03M
Analysts83.33
Price Target37.23 (19.6%)
Short Float %4.7%
Short Ratio7.3
Dividend
Industry RankSector Rank
Dividend Yield 2.82%
Yearly Dividend0.77
Dividend Growth(5Y)-0.45%
DP33.87%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-06
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)0%
PT rev (3m)1.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)5.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.23%
Valuation
Industry RankSector Rank
PE 11.75
Fwd PE 8.73
P/S 3.41
P/FCF 12.39
P/OCF 10.18
P/B 0.91
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)2.65
EY8.51%
EPS(NY)3.56
Fwd EY11.45%
FCF(TTM)2.51
FCFY8.07%
OCF(TTM)3.06
OCFY9.83%
SpS9.12
BVpS34.37
TBVpS27.8
PEG (NY)0.34
PEG (5Y)N/A
Graham Number45.27
Profitability
Industry RankSector 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)0.84%
ROA(5y)0.87%
ROE(3y)7.12%
ROE(5y)7.61%
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 3Y-7.98%
PM growth 5Y0.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector 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
WACC18.66%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.62%
EPS 3Y-8.33%
EPS 5Y-3.09%
EPS Q2Q%15.28%
EPS Next Y34.52%
EPS Next 2Y22.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.11%
Revenue growth 3Y9.62%
Revenue growth 5Y16.32%
Sales Q2Q%30.78%
Revenue Next Year29.71%
Revenue Next 2Y19.15%
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-6.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y12.8%
OCF growth 3YN/A
OCF growth 5YN/A

MID PENN BANCORP INC / MPB Fundamental Analysis 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 for MPB stock?

ChartMill assigns a valuation rating of 6 / 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 2 / 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 11.75 and the Price/Book (PB) ratio is 0.91.


What is the earnings growth outlook for MID PENN BANCORP INC?

The Earnings per Share (EPS) of MID PENN BANCORP INC (MPB) is expected to grow by 34.52% in the next year.