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Mid Penn Bancorp
(NASDAQ:MPB)
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Rating:74Outperform
Price Target:
$42.00
▲(14.38% Upside)
Action:Reiterated
Date:09/06/26
MPB scores well primarily on solid financial performance (profitable growth and strong cash flow alignment with earnings) and supportive recent corporate actions (dividend hike, buybacks, and governance upgrades). Technicals add a mild tailwind with the stock trading above key moving averages, while reasonable valuation (P/E ~12 and a ~2.5% yield) helps underpin the overall score. Key constraints are margins/returns still below the 2022 peak and a recent softening in free cash flow growth.
Positive Factors
Sustained revenue growth and solid profitability
持续 revenue expansion alongside healthy net and EBIT margins indicates the bank is growing its earnings base while retaining meaningful profitability. This supports reinvestment, strengthens operating resilience, and provides a durable foundation for continued earnings generation over the next several quarters.
Negative Factors
Profitability remains below the 2022 peak
Although current margins remain solid, the substantial gap versus the 2022 peak shows that the bank has not fully retained its earlier level of earnings efficiency. Persistent normalization or pressure would reduce the amount of revenue converted into profits and constrain future returns on growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth and solid profitability
持续 revenue expansion alongside healthy net and EBIT margins indicates the bank is growing its earnings base while retaining meaningful profitability. This supports reinvestment, strengthens operating resilience, and provides a durable foundation for continued earnings generation over the next several quarters.
Read all positive factors
Mid Penn Bancorp (MPB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$947.54M
Dividend Yield2.51%
Average Volume (3M)132.34K
Price to Earnings (P/E)12.0
Beta (1Y)0.71
Revenue Growth20.29%
EPS Growth19.48%
CountryUS
Employees723
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.11
Shares Outstanding25,335,215
10 Day Avg. Volume82,173
30 Day Avg. Volume132,343
Financial Highlights & Ratios
PEG Ratio-1.12
Price to Book (P/B)0.88
Price to Sales (P/S)2.20
P/FCF Ratio10.00
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$39.50Price Target Upside7.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.28
Revenue Forecast (FY)$293.30M
Mid Penn Bancorp Business Overview & Revenue Model
Company Description
Mid Penn Bancorp, Inc. functions as the parent entity for Mid Penn Bank, offering a comprehensive suite of commercial banking services to a diverse client base, including individuals, business partnerships, non-profit organizations, and corporate ...
How the Company Makes Money
Mid Penn Bancorp primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest income on loans and investment securities and interest e...
Mid Penn Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 371.10M | 326.93M | 306.71M | 254.38M | 187.25M | 143.83M |
| Gross Profit | 245.70M | 200.96M | 174.66M | 161.72M | 165.18M | 126.13M |
| EBITDA | 95.77M | 77.41M | 66.86M | 51.55M | 73.82M | 40.73M |
| Net Income | 68.14M | 56.25M | 49.44M | 37.40M | 54.81M | 29.32M |
Balance Sheet | ||||||
| Total Assets | 7.06B | 6.13B | 5.47B | 5.29B | 4.50B | 4.69B |
| Cash, Cash Equivalents and Short-Term Investments | 964.61M | 52.14M | 311.97M | 303.66M | 296.08M | 250.49M |
| Total Debt | 156.68M | 59.38M | 79.44M | 356.17M | 71.08M | 166.91M |
| Total Liabilities | 6.16B | 5.32B | 4.82B | 4.75B | 3.99B | 4.20B |
| Stockholders Equity | 901.91M | 814.06M | 655.02M | 542.35M | 512.10M | 490.08M |
Cash Flow | ||||||
| Free Cash Flow | 82.62M | 71.80M | 44.47M | 49.57M | 55.74M | 62.40M |
| Operating Cash Flow | 86.37M | 80.03M | 51.39M | 52.34M | 59.99M | 65.90M |
| Investing Cash Flow | -152.69M | 83.17M | -208.74M | -408.93M | -704.71M | 169.37M |
| Financing Cash Flow | -183.88M | -134.85M | 131.16M | 392.47M | -208.15M | 374.76M |
Mid Penn Bancorp Technical Analysis
Positive
36.72
Price Trends
36.49
Positive
34.64
Positive
33.02
Positive
Market Momentum
0.03
Positive
55.51
Neutral
66.01
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MPB, the sentiment is Positive. The current price of 36.72 is below the 20-day moving average (MA) of 37.31, above the 50-day MA of 36.49, and above the 200-day MA of 33.02, indicating a bullish trend. The MACD of 0.03 indicates Positive momentum. The RSI at 55.51 is Neutral, neither overbought nor oversold. The STOCH value of 66.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MPB.
Mid Penn Bancorp Risk Analysis
Mid Penn Bancorp disclosed 37 risk factors in its most recent earnings report. Mid Penn Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Mid Penn Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $1.15B | 13.85 | 15.92% | 2.02% | 18.89% | 38.49% | |
79 Outperform | $848.35M | 9.26 | 14.46% | 2.71% | -0.52% | 98.41% | |
74 Outperform | $947.54M | 12.03 | 8.02% | 2.51% | 20.29% | 19.48% | |
73 Outperform | $1.04B | 11.29 | 9.85% | 1.88% | 8.88% | 11.73% | |
72 Outperform | $1.26B | 11.11 | 13.02% | 2.76% | 8.25% | 36.33% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $874.42M | 13.28 | 10.58% | 2.14% | -8.87% | 3.26% |
* Financial Sector Average
MPB
Mid Penn Bancorp
37.40
7.89
26.75%
THFF
First Financial Indiana
79.34
22.65
39.96%
GSBC
Great Southern Bancorp
80.24
18.05
29.03%
ORRF
Orrstown Financial Services
43.13
9.20
27.10%
BFST
Business First Bancshares
31.84
7.28
29.64%
FSBC
Five Star
46.96
14.76
45.85%
Mid Penn Bancorp Corporate Events
Business Operations and StrategyExecutive/Board Changes
Mid Penn Bancorp Adds Veteran Leader to Board
Positive
Sep 1, 2026
Mid Penn Bancorp announced on September 1, 2026, that seasoned Wall Street executive and former TD Bank president and CEO Gregory B. Braca will join its board of directors effective September 16, 2026, bringing more than 40 years of leadership acr...
Business Operations and StrategyFinancial DisclosuresM&A TransactionsRegulatory Filings and Compliance
Mid Penn Bancorp Highlights Q3 2026 Investor Strategy
Positive
Jul 28, 2026
Mid Penn Bancorp disclosed an updated investor presentation to be used in meetings with investors and analysts during the third quarter of 2026, outlining its financial condition and strategic positioning as of June 30, 2026. The materials highlig...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Mid Penn Bancorp Posts Strong Q2 Earnings, Hikes Dividend
Positive
Jul 22, 2026
Mid Penn Bancorp reported a sharp improvement in performance for the quarter ended June 30, 2026, with net income available to common shareholders rising to $21.7 million, or $0.85 per diluted share, from $4.8 million, or $0.22 per share, a year e...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.