A Business at a Glance
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MID PENN BANCORP INC
MPB
$820M
Mkt Cap
$37.17
+1.95%
MID PENN BANCORP INC (MPB) has a current P/E ratio of 15.4, compared to its historical median P/E of 10.0. The stock is currently considered Expensive based on its historical valuation range.
MID PENN BANCORP INC (MPB) has a 5-year average return on invested capital (ROIC) of 8.2%. This is below average and may indicate limited pricing power.
MID PENN BANCORP INC (MPB) has a market capitalization of $940M. It is classified as a small-cap stock.
Yes, MID PENN BANCORP INC (MPB) pays a dividend with a trailing twelve-month yield of 2.18%. The company also returns capital through share buybacks, with a buyback yield of 0.24%.
Based on historical P/E analysis, MID PENN BANCORP INC (MPB) appears expensive. The current P/E of 15.4 is 54% above its historical median of 10.0. The estimated fair value CAGR (P/E method) is 3.3%.
MID PENN BANCORP INC (MPB) operates in the State Commercial Banks industry, within the Financials sector.
MID PENN BANCORP INC (MPB) reported annual revenue of $351 million in its most recent fiscal year, based on SEC EDGAR filings.
The disclosures set forth in this Item are qualified by the section captioned "Special Cautionary Notice Regarding Forward-Looking Statements" contained in Part II, Item 7, Management’s Discussion and Analysis of Financial Condition and Results of Operations, and other cautionary statements set forth elsewhere in this report. Mid Penn Bancorp, Inc. Mid Penn Bancorp, Inc. is a financial holding company incorporated in August 1991 in the Commonwealth of Pennsylvania. Mid Penn Bancorp, Inc. and its wholly owned bank and nonbank subsidiaries are collectively referred to herein as "Mid Penn" or the "Corporation." On December 31, 1991, Mid Penn acquired, as part of the holding company formation, all of the outstanding common stock of Mid Penn Bank, referred to herein as "The Bank", and the Bank became a wholly-owned subsidiary of Mid Penn.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 243M | 351M | 309M | 256M | 189M | 145M |
| Net Income | 51M | 56M | 49M | 37M | 55M | 29M |
| EPS | $2.19 | $2.55 | $2.90 | $2.29 | $3.44 | $2.71 |
| Free Cash Flow | 76M | 72M | 44M | 50M | 56M | 62M |
| ROIC | 5.8% | 7.7% | 8.1% | 6.9% | 10.9% | 7.2% |
| Gross Margin | - | 0.0% | - | - | - | - |
| Debt/Equity | 0.04 | 0.03 | 3.51 | 0.49 | 4.49 | 2.77 |
| Dividends/Share | $0.81 | $0.84 | $0.80 | $0.80 | $0.80 | $0.79 |
| Operating Income | 11M | 10M | 7.8M | 5.6M | 7.8M | 3.6M |
| Operating Margin | 4.7% | 2.9% | 2.5% | 2.2% | 4.1% | 2.5% |
| ROE | 5.8% | 7.7% | 8.3% | 7.1% | 10.9% | 7.9% |
| Shares Outstanding | 25M | 22M | 17M | 16M | 16M | 11M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 34M | 41M | 46M | 50M | 76M | 108M | 126M | 145M | 189M | 256M | 309M | 351M | 243M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 11M | 14M | 16M | 17M | 24M | 32M | 38M | 42M | 53M | 59M | 64M | 78M | 85M |
| EBIT | 549K | 679K | 918K | 893K | 2.0M | 1.5M | 2.6M | 3.6M | 7.8M | 5.6M | 7.8M | 10M | 11M |
| Op. Margin | 1.6% | 1.7% | 2.0% | 1.8% | 2.7% | 1.4% | 2.0% | 2.5% | 4.1% | 2.2% | 2.5% | 2.9% | 4.7% |
| Net Income | 5.4M | 6.0M | 7.8M | 7.1M | 10M | 18M | 26M | 29M | 55M | 37M | 49M | 56M | 51M |
| Net Margin | 15.8% | 14.9% | 16.9% | 14.3% | 13.8% | 16.4% | 20.8% | 20.2% | 29.0% | 14.6% | 16.0% | 16.0% | 21.1% |
| Non-Recurring | -18K | 0 | -142K | -14K | -71K | -168K | -242K | 979K | -938K | 0 | 10K | 51K | 51K |
| Returns on Capital | |||||||||||||
| ROIC | 6.8% | 7.2% | 10.5% | 9.1% | 6.2% | 7.0% | 9.1% | 7.2% | 10.9% | 6.9% | 8.1% | 7.7% | 5.8% |
| ROE | 9.6% | 9.3% | 11.1% | 9.7% | 7.0% | 7.7% | 10.6% | 7.9% | 10.9% | 7.1% | 8.3% | 7.7% | 5.8% |
| ROA | 0.7% | 0.7% | 0.8% | 0.6% | 0.6% | 0.8% | 1.0% | 0.8% | 1.2% | 0.8% | 0.9% | 1.0% | 0.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 8.7M | 13M | 22M | 12M | 11M | 7.8M | 14M | 66M | 60M | 52M | 51M | 80M | 83M |
| Free Cash Flow | 7.7M | 12M | 21M | 5.0M | 2.0M | 3.9M | 10M | 62M | 56M | 50M | 44M | 72M | 76M |
| Owner Earnings | 7.4M | 12M | 20M | 10M | 7.1M | 3.2M | 9.1M | 61M | 53M | 45M | 44M | 70M | 56M |
| CapEx | 1.0M | 1.5M | 775K | 6.9M | 9.0M | 3.9M | 3.7M | 3.5M | 4.2M | 2.8M | 6.9M | 8.2M | 6.9M |
| Maint. CapEx | 1.3M | 1.6M | 1.8M | 1.6M | 3.6M | 4.2M | 4.6M | 4.5M | 6.3M | 6.7M | 6.6M | 7.9M | 24M |
| Growth CapEx | 0 | 0 | 0 | 5.3M | 5.3M | 0 | 0 | 0 | 0 | 0 | 266K | 333K | 0 |
| D&A | 1.3M | 1.6M | 1.8M | 1.6M | 3.6M | 4.2M | 4.6M | 4.5M | 6.3M | 6.7M | 6.6M | 7.9M | 24M |
| CapEx/OCF | 11.6% | 11.1% | 3.5% | 57.8% | 81.6% | 49.6% | 26.2% | 5.3% | 7.1% | 5.3% | 13.5% | N/A | 8.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.6M | 1.8M | 2.5M | 2.2M | 4.5M | 6.7M | 6.5M | 8.9M | 13M | 13M | 14M | 18M | 21M |
| Dividend Yield | 4.3% | 3.8% | 4.5% | 2.4% | 2.6% | 3.9% | 4.4% | 3.5% | 3.1% | 3.6% | 3.4% | N/A | 2.2% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 1.8M | 128K | 3.0M | 4.9M | 323K | 2.3M | 2.3M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | 1.0% | 0.0% | 0.7% | 1.3% | 0.1% | 0.0% | 0.2% |
| Stock-Based Comp | 0 | 28K | 53K | 145K | 267K | 346K | 414K | 696K | 1.1M | 1.1M | 1.0M | 2.0M | 2.3M |
| Debt Repayment | 23M | 31M | 32M | 35M | 26M | 43M | 126M | 126M | 103M | 1.6B | 1.5B | 225M | 225M |
| Balance Sheet | |||||||||||||
| Net Debt | 20M | 25M | -48M | -72M | 355M | 987M | -114M | 383M | 2.2B | 170M | 2.2B | -78M | -110M |
| Cash & Equiv. | 9.9M | 13M | 46M | 24M | 40M | 139M | 304M | 914M | 61M | 97M | 71M | 99M | 141M |
| Long-Term Debt | 30M | 7.5M | N/A | 10M | 30M | 14M | 70M | 0 | 0 | 25M | 0 | 0 | N/A |
| Debt/Equity | 0.52 | 0.56 | 0.00 | 0.59 | 2.27 | 4.89 | 0.77 | 2.77 | 4.49 | 0.49 | 3.51 | 0.03 | 0.04 |
| Interest Coverage | 0.1 | 0.1 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.2 | 0.4 | 0.1 | 0.1 | 0.0 | 0.0 |
| Equity | 59M | 70M | 70M | 76M | 224M | 238M | 256M | 490M | 512M | 542M | 655M | 814M | 887M |
| Total Assets | 756M | 932M | 1.0B | 1.2B | 2.1B | 2.2B | 3.0B | 4.7B | 4.5B | 5.3B | 5.5B | 6.1B | 7.0B |
| Total Liabilities | 697M | 862M | 962M | 1.1B | 1.9B | 2.0B | 2.7B | 4.2B | 4.0B | 4.7B | 4.8B | 5.3B | 6.1B |
| Intangibles | 187K | 665K | 539K | 434K | 7.2M | 5.8M | 4.4M | 9.4M | 7.3M | 6.5M | 6.2M | 15M | 33M |
| Retained Earnings | 19M | 23M | 28M | 33M | 40M | 51M | 70M | 91M | 133M | 146M | 182M | 220M | 222M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.53 | 1.47 | 1.85 | 1.67 | 1.48 | 2.09 | 3.10 | 2.71 | 3.44 | 2.29 | 2.90 | 2.55 | 2.19 |
| Owner EPS | 2.11 | 2.81 | 4.74 | 2.40 | 1.00 | 0.38 | 1.07 | 5.61 | 3.30 | 2.73 | 2.56 | 3.18 | 2.23 |
| Book Value | 16.91 | 17.06 | 16.70 | 17.83 | 31.52 | 28.09 | 30.24 | 45.30 | 32.14 | 33.21 | 38.42 | 36.91 | 35.08 |
| Cash Flow/Share | 2.48 | 3.21 | 5.18 | 2.80 | 1.55 | 0.92 | 1.66 | 6.09 | 3.77 | 3.21 | 3.01 | 3.63 | 2.98 |
| Dividends/Share | 0.45 | 0.44 | 0.68 | 0.77 | 0.45 | 0.79 | 0.82 | 0.79 | 0.80 | 0.80 | 0.80 | 0.84 | 0.81 |
| Shares Out. | 3.5M | 4.1M | 4.2M | 4.2M | 7.1M | 8.5M | 8.5M | 10.8M | 15.9M | 16.3M | 17.0M | 22.1M | 25.3M |
| Valuation | |||||||||||||
| P/E Ratio | 7.2 | 8.0 | 9.8 | 15.3 | 13.3 | 11.5 | 6.8 | 10.3 | 7.9 | 10.0 | 9.6 | N/A | 17.0 |
| P/FCF | 5.0 | 4.1 | 3.6 | 21.7 | 68.9 | 51.6 | 17.1 | 4.8 | 7.8 | 7.5 | 10.7 | N/A | 12.4 |
| EV/EBIT | 76.5 | 117.8 | N/A | 160.6 | 89.6 | N/A | 130.0 | N/A | 68.8 | 109.2 | 61.1 | N/A | 73.2 |
| Price/Book | 0.7 | 0.7 | 1.1 | 1.4 | 0.6 | 0.9 | 0.7 | 0.6 | 0.8 | 0.7 | 0.7 | N/A | 1.1 |
| Price/Sales | 1.3 | 1.3 | 1.3 | 2.1 | 2.8 | 2.1 | 1.4 | 1.9 | 2.4 | 2.1 | 2.3 | N/A | 3.9 |
| FCF Yield | 19.8% | 24.2% | 27.5% | 4.6% | 1.5% | 1.9% | 5.8% | 20.7% | 12.9% | 13.3% | 9.4% | N/A | 8.1% |
| Market Cap | 39M | 48M | 77M | 109M | 140M | 204M | 178M | 302M | 433M | 373M | 475M | 0 | 940M |
| Avg. Price | 10.55 | 11.54 | 12.95 | 21.49 | 24.61 | 20.20 | 17.36 | 23.33 | 25.94 | 21.97 | 23.95 | 0.00 | 37.17 |
| Year-End Price | 11.06 | 11.79 | 18.17 | 25.62 | 19.68 | 24.05 | 21.01 | 27.88 | 27.19 | 22.84 | 27.88 | 0.00 | 37.17 |
MID PENN BANCORP INC passes 2 of 9 quality checks, indicating weak fundamentals.
MID PENN BANCORP INC trades at 15.4x trailing earnings, compared to its 15-year median P/E of 10.0x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 14.7x vs a median of 10.7x. The company's 5-year average ROIC is 8.2%. Total shareholder yield (dividends + buybacks) is 2.4%. At current prices, the estimated annualized return to fair value is +31.8%.
MID PENN BANCORP INC (MPB) has a net profit margin of 16.0%. This is a healthy margin.
MID PENN BANCORP INC (MPB) generated $72 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
MID PENN BANCORP INC (MPB) has a debt-to-equity ratio of 0.03. This indicates a conservatively financed balance sheet.
MID PENN BANCORP INC (MPB) reported earnings per share (EPS) of $2.55 in its most recent fiscal year.
MID PENN BANCORP INC (MPB) has a return on equity (ROE) of 7.7%. This indicates moderate shareholder returns.
The Ledger Terminal provides 17 years of financial data for MID PENN BANCORP INC (MPB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
MID PENN BANCORP INC (MPB) has a book value per share of $36.91, based on its most recent annual SEC filing.