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MID PENN BANCORP INC (MPB) Stock Fundamental Analysis

NASDAQ:MPB - Nasdaq - US59540G1076 - Common Stock - Currency: USD

28.2  -0.74 (-2.56%)

After market: 28.2 0 (0%)

Fundamental Rating

4

MPB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. While MPB is still in line with the averages on profitability rating, there are concerns on its financial health. MPB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year MPB was profitable.
In the past year MPB had a positive cash flow from operations.
In the past 5 years MPB has always been profitable.
MPB had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

The Return On Assets of MPB (0.90%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 7.55%, MPB is in line with its industry, outperforming 43.83% of the companies in the same industry.
Industry RankSector Rank
ROA 0.9%
ROE 7.55%
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
MPB Yearly ROA, ROE, ROICMPB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

MPB's Profit Margin of 27.59% is fine compared to the rest of the industry. MPB outperforms 73.55% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 27.59%
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
MPB Yearly Profit, Operating, Gross MarginsMPB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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
The debt/assets ratio for MPB has been reduced compared to a year ago.
MPB Yearly Shares OutstandingMPB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
MPB Yearly Total Debt VS Total AssetsMPB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

MPB has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
The Debt to FCF ratio of MPB (1.14) is better than 69.02% of its industry peers.
MPB has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
MPB's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. MPB outperforms 76.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACCN/A
WACC19.36%
MPB Yearly LT Debt VS Equity VS FCFMPB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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6

3. Growth

3.1 Past

MPB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.04%.
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%.
The Revenue has been growing by 16.72% on average over the past years. This is quite good.
EPS 1Y (TTM)7.04%
EPS 3Y-0.9%
EPS 5Y6.77%
EPS Q2Q%-1.37%
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 8.41% yearly.
Based on estimates for the next years, MPB will show a quite strong growth in Revenue. The Revenue will grow by 18.54% on average per year.
EPS Next Y-1.32%
EPS Next 2Y8.41%
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
MPB Yearly EPS VS EstimatesMPB Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

MPB is valuated reasonably with a Price/Earnings ratio of 9.76.
MPB's Price/Earnings ratio is a bit cheaper when compared to the industry. MPB is cheaper than 79.09% of the companies in the same industry.
MPB is valuated cheaply when we compare the Price/Earnings ratio to 24.21, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.27, which indicates a very decent valuation of MPB.
MPB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MPB is cheaper than 75.82% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.44, MPB is valued rather cheaply.
Industry RankSector Rank
PE 9.76
Fwd PE 8.27
MPB Price Earnings VS Forward Price EarningsMPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

MPB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.76
EV/EBITDA N/A
MPB Per share dataMPB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.44
EPS Next 2Y8.41%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.76%, MPB has a reasonable but not impressive dividend return.
MPB's Dividend Yield is comparable with the industry average which is at 3.44.
MPB's Dividend Yield is comparable with the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 2.76%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

MPB pays out 27.96% of its income as dividend. This is a sustainable payout ratio.
DP27.96%
EPS Next 2Y8.41%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
MPB Dividend Payout.MPB Dividend Payout, showing the Payout Ratio.MPB Dividend Payout.PayoutRetained Earnings

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MID PENN BANCORP INC

NASDAQ:MPB (5/9/2025, 8:09:41 PM)

After market: 28.2 0 (0%)

28.2

-0.74 (-2.56%)

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 Owners52.15%
Inst Owner Change-0.35%
Ins Owners3.73%
Ins Owner Change6.64%
Market Cap656.50M
Analysts82.86
Price Target35.7 (26.6%)
Short Float %3.33%
Short Ratio5.51
Dividend
Industry RankSector Rank
Dividend Yield 2.76%
Yearly Dividend0.77
Dividend Growth(5Y)-0.45%
DP27.96%
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)1.32%
Min EPS beat(2)-0.06%
Max EPS beat(2)2.71%
EPS beat(4)3
Avg EPS beat(4)9.43%
Min EPS beat(4)-0.06%
Max EPS beat(4)19.2%
EPS beat(8)4
Avg EPS beat(8)3.52%
EPS beat(12)8
Avg EPS beat(12)6.23%
EPS beat(16)11
Avg EPS beat(16)11.97%
Revenue beat(2)2
Avg Revenue beat(2)1.34%
Min Revenue beat(2)0.87%
Max Revenue beat(2)1.82%
Revenue beat(4)4
Avg Revenue beat(4)2.11%
Min Revenue beat(4)0.87%
Max Revenue beat(4)4.17%
Revenue beat(8)6
Avg Revenue beat(8)-0.38%
Revenue beat(12)9
Avg Revenue beat(12)0.6%
Revenue beat(16)13
Avg Revenue beat(16)2.46%
PT rev (1m)-4.11%
PT rev (3m)-4.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.56%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)-3.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)4.41%
Revenue NY rev (3m)4.29%
Valuation
Industry RankSector Rank
PE 9.76
Fwd PE 8.27
P/S 3.66
P/FCF 14.76
P/OCF 12.78
P/B 1
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)2.89
EY10.25%
EPS(NY)3.41
Fwd EY12.09%
FCF(TTM)1.91
FCFY6.77%
OCF(TTM)2.21
OCFY7.83%
SpS7.7
BVpS28.14
TBVpS22.36
PEG (NY)N/A
PEG (5Y)1.44
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 7.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.59%
GM N/A
FCFM 24.82%
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 101.27%
Cap/Sales 3.86%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 89.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.36%
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)7.04%
EPS 3Y-0.9%
EPS 5Y6.77%
EPS Q2Q%-1.37%
EPS Next Y-1.32%
EPS Next 2Y8.41%
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-9.55%
FCF growth 3Y-10.68%
FCF growth 5Y62.37%
OCF growth 1Y-1.06%
OCF growth 3Y-7.96%
OCF growth 5Y45.69%