Mid Penn Bancorp, Inc. MPB R2K

Financial Services · Banks - Regional · United States

Mid Penn Bancorp, Inc. operates as the bank holding company for Mid Penn Bank that provides commercial banking services to individuals, institutional clients, partnerships, non-profit organizations, businesses, and corporations in Pennsylvania and New Jersey, the United States. The company offers various time and demand deposit products, including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and individual retirement accounts. It also provides a range of loan products comprising mortgage and home equity loans, secured and unsecured commercial and consumer loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities, and local government loans; and personal loans and lines of credit, home equity lines of credit, commercial lines of credit, commercial real estate financing, SBA loans, and agricultural loans. In addition, the company offers trust, retail investment, wealth management, and personal and business insurance services; private banking; insured cash sweep; debit, credit, and gift cards; online bill payment; and online and telephone banking, cash management, automated teller services, and safe deposit boxes. Mid Penn Bancorp, Inc. was founded in 1868 and is headquartered in Harrisburg, Pennsylvania.

Market & Price

Market Cap

$827.51M

Current Price

$32.65

High / Low (52W)

$34.38 / $25.21

Beta

0.48

Valuation

Stock P/E

14.84

Industry PE

12.01

Forward P/E

9.01

PEG Ratio

12.66

Book Value

$35.08

Price to Book

0.93

P/S

3.44

EV/EBITDA

Dividend Yield

2.63%

Profitability & Returns

ROCE

ROE

6.59%

ROA

0.82%

Profit Margin

21.32%

Op Margin

35.22%

EPS (Latest Qtr)

$0.36

EPS (TTM)

$2.20

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$59.53M

Total Assets

$6.13B

Current Assets

Working Capital

Ownership

Promoter Holding

16.85%

Chg in Prom Hold

FII / Inst Holding

52.17%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$737.68M

Total Revenue (TTM)

$240.26M

EBITDA

Free Cash Flow

Operating Cash Flow

$81.97M

Shares Outstanding

25.34M

Gross Margin

0.00%

Payout Ratio

38.18%

Growth (CAGR)

Revenue 5Y

9.51%

Profit 5Y

0.87%

Revenue (YoY)

33.30%

Earnings (YoY)

-49.30%

PROS

Excellent profit margin of 21.3%.
Attractive dividend yield of 2.63%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	MPB Mid Penn Bancorp, Inc. R2K	32.65	14.84	$827.51M	2.63%	-	6.59%	9.51%	0.87%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	47.04M	53.73M	60.78M	61.05M	63.61M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	29.23M	31.81M	33.24M	30.39M	28.68M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.80M	4.28M	24.26M	27.02M	11.30M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.06M	-480.00K	5.97M	7.57M	2.60M
Net Income	963.00K	2.04M	1.89M	1.63M	1.80M	2.02M	1.90M	1.99M	2.35M	2.25M	1.00M	2.78M	2.16M	4.65M	4.08M	4.40M	4.81M	4.41M	3.82M	6.83M	6.55M	9.01M	9.31M	9.61M	9.79M	607.00K	11.35M	12.25M	15.48M	11.23M	4.84M	9.24M	12.13M	11.77M	12.30M	13.74M	4.76M	18.30M	19.45M	8.71M
Diluted EPS	0.23	0.46	0.43	0.35	-	-	-	-	-	-	-	-	-	-	0.48	0.52	0.57	-	450.00	810.00	780.00	1,060.00	1.10	0.93	0.86	50.00	0.71	0.77	0.97	0.70	0.29	0.56	0.73	0.71	0.74	0.71	0.22	0.79	0.83	0.36

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	169.48M	165.02M	176.80M	222.61M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	17.77M	89.37M	129.91M	124.67M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	67.35M	44.69M	60.03M	72.37M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	12.54M	7.30M	10.60M	16.12M
Net Income	-2.29M	2.75M	4.54M	4.95M	4.94M	5.70M	6.53M	7.80M	7.09M	10.60M	17.70M	26.21M	-	54.81M	37.40M	49.44M	56.25M
Diluted EPS	-0.81	0.64	1.16	1.27	1.32	1.53	1.47	-	1.67	1.48	2.09	3.10	-	3.44	2.29	2.90	2.55

Compounded Sales Growth

5 Years:	9.51%
1 Year:	33.30%

Compounded Profit Growth

5 Years:	0.87%
1 Year:	-49.30%

Stock Price Performance

1 Year:	+26.18%
6 Months:	+11.76%
3 Months:	+2.17%
1 Month:	-0.82%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	637.46M	715.38M	705.20M	713.12M	755.66M	931.64M	1.03B	1.17B	2.08B	2.23B	3.00B	-	4.50B	5.29B	5.47B	6.13B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	8.45M	8.96M	12.90M	17.84M	15.47M	8.62M	9.88M	13.28M	-	-	-	-	-	-	57.77M	80.10M	51.49M	75.87M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.41M	25.82M	26.85M	29.64M
Total Liabilities	-	-	589.26M	661.93M	652.98M	660.21M	696.53M	861.57M	962.13M	1.09B	1.85B	1.99B	2.74B	-	3.99B	4.75B	4.82B	5.32B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	58.06M	102.16M	66.28M	20.22M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	71.08M	356.17M	79.44M	59.38M
Total Equity	-	-	48.20M	53.45M	52.22M	52.92M	59.13M	70.07M	70.47M	75.69M	223.53M	237.87M	255.69M	-	512.10M	542.35M	655.02M	814.06M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.09M	17.00M	19.80M	23.57M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	2.09M	7.27M	8.45M	9.40M	10.68M	-	-	21.85M	11.89M	10.98M	7.83M	14.07M	-	59.99M	52.34M	51.39M	80.03M
Investing Cash Flow	-37.41M	-33.14M	-74.68M	3.56M	-23.61M	-	-	-86.80M	-163.80M	21.85M	-26.98M	-588.91M	-	-704.71M	-408.93M	-208.74M	83.17M
Financing Cash Flow	35.83M	29.81M	71.17M	-15.33M	6.07M	-	-	97.64M	129.44M	-16.28M	118.12M	739.54M	-	-208.15M	392.47M	131.16M	-134.85M
Capital Expenditure	-2.65M	-1.59M	-1.42M	-995.00K	-588.00K	-1.01M	-1.46M	-775.00K	-6.88M	-8.96M	-3.88M	-3.69M	-	-4.25M	-2.77M	-6.92M	-8.23M
Free Cash Flow	-554.00K	5.68M	7.03M	8.40M	10.09M	-	-	21.07M	5.02M	2.02M	3.95M	10.38M	-	55.74M	49.57M	44.47M	71.80M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-852.87M	35.88M	-26.20M	28.35M
Share Buybacks	0	0	0	-	-	-	-	-	-	-	-	1.79M	128.00K	2.96M	4.88M	323.00K	2.25M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	32.3%	22.7%	28.0%	25.3%
ROE %	-	5.7%	8.5%	9.5%	9.3%	9.6%	9.3%	11.1%	9.4%	4.7%	7.4%	10.3%	-	10.7%	6.9%	7.5%	6.9%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

16.85%

Institutions

52.17%

Public Float

62.74%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Wellington Management Group, LLP	8.97%	2.27M	$74.26M
2	Blackrock Inc.	5.91%	1.50M	$48.89M
3	Vanguard Capital Management LLC	3.61%	915.02K	$29.88M
4	Alliancebernstein L.P.	3.50%	887.94K	$28.99M
5	Dimensional Fund Advisors LP	2.95%	748.20K	$24.43M
6	State Street Corporation	2.18%	553.67K	$18.08M
7	Geode Capital Management, LLC	1.99%	503.91K	$16.45M
8	Fourthstone LLC	1.45%	367.39K	$12.00M
9	American Century Companies Inc	1.19%	301.75K	$9.85M
10	Manufacturers Life Insurance Co.	1.07%	272.36K	$8.89M

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