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Mid Penn Bancorp
(NASDAQ:MPB)
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Rating:73Outperform
Price Target:
$41.00
â–²(11.66% Upside)
Action:Reiterated
Date:10/21/26
MPB’s score is driven primarily by solid financial performance (steady growth, good profitability, improving ROE, and credible cash generation), supported by reasonable valuation and positive corporate actions (dividend consistency/increase, buyback, and acquisition-driven momentum). The main offset is mixed technical momentum (slightly negative MACD and price below the 50-day average), suggesting a less compelling near-term technical setup.
Positive Factors
Revenue and profitability growth
MPB continues to expand revenue while maintaining solid profitability, demonstrating a growing earnings base rather than dependence on a single quarter. This supports reinvestment, capital formation, and the ability to absorb normal banking-cycle fluctuations over the next several quarters.
Negative Factors
Margin normalization
Although profitability remains solid, the decline from peak margins shows that earlier earnings strength is not fully sustainable. Lower net interest margins can limit incremental profit from balance-sheet growth, particularly when funding costs rise or loan accretion benefits fade.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profitability growth
MPB continues to expand revenue while maintaining solid profitability, demonstrating a growing earnings base rather than dependence on a single quarter. This supports reinvestment, capital formation, and the ability to absorb normal banking-cycle fluctuations over the next several quarters.
Read all positive factors
Mid Penn Bancorp (MPB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$924.99M
Dividend Yield2.59%
Average Volume (3M)102.65K
Price to Earnings (P/E)12.1
Beta (1Y)0.66
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. Volume109,522
30 Day Avg. Volume102,651
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 Cap1.00
Enterprise Value/Revenue2.49
Enterprise Value/Gross Profit3.76
Enterprise Value/Ebitda9.24
Forecast
1Y Price Target
$41.50Price Target Upside13.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.32
Revenue Forecast (FY)$297.00M
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 earning interest and fees on financial products and services. The largest driver is typically net interest income: the bank collects interest income on loans (such as commerc...
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 | 100.08M | 80.45M | 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 | 92.43M | 71.80M | 44.47M | 49.57M | 55.74M | 62.40M |
| Operating Cash Flow | 98.78M | 80.03M | 51.39M | 52.34M | 59.99M | 65.90M |
| Investing Cash Flow | -165.10M | 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
Negative
36.72
Price Trends
36.58
Negative
35.85
Negative
34.04
Negative
Market Momentum
-0.28
Positive
31.41
Neutral
54.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MPB, the sentiment is Negative. The current price of 36.72 is above the 20-day moving average (MA) of 35.91, above the 50-day MA of 36.58, and above the 200-day MA of 34.04, indicating a bearish trend. The MACD of -0.28 indicates Positive momentum. The RSI at 31.41 is Neutral, neither overbought nor oversold. The STOCH value of 54.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $387.19M | 9.52 | 12.05% | 2.48% | 3.23% | 29.90% | |
75 Outperform | $828.09M | 9.13 | 14.42% | 2.73% | 1.02% | 18.66% | |
75 Outperform | $688.51M | 12.11 | 10.86% | 3.62% | 0.41% | 68.29% | |
74 Outperform | $1.15B | 11.96 | 10.41% | 2.16% | 2.41% | 26.67% | |
73 Outperform | $924.99M | 12.08 | 8.15% | 2.59% | 20.29% | 19.48% | |
69 Neutral | $1.02B | 9.04 | 13.07% | 2.17% | 32.73% | 30.63% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
MPB
Mid Penn Bancorp
36.35
8.24
29.32%
CCNE
Cnb Financial
34.54
10.84
45.77%
ORRF
Orrstown Financial Services
42.89
9.79
29.58%
UVSP
Univest Of Pennsylvania
41.73
12.77
44.11%
PFIS
Peoples Financial Services
68.78
23.63
52.32%
CZFS
Citizens Financial Services
81.57
27.90
51.99%
Mid Penn Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Mid Penn Bancorp Declares 64th Consecutive Cash Dividend
Positive
Oct 21, 2026
Mid Penn Bancorp reported that net income available to common shareholders rose to $21.6 million for the quarter ended Sept. 30, 2026, up 18.2% from a year earlier, driven largely by the William Penn and 1st Colonial acquisitions and supported by ...
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.