Want to see MPB full AI Analyst Report?
Top Page
Mid Penn Bancorp
(NASDAQ:MPB)
Select Model
Select Model
Rating:77Outperform
Price Target:
$43.00
â–²(15.68% Upside)
Action:Reiterated
Date:08/07/26
MPB scores well primarily on solid financial performance (steady growth, healthy margins, conservative current leverage, and strong FCF-to-earnings quality) and strong technical momentum (price above key moving averages with positive MACD). Valuation is reasonable (mid-teens P/E with a ~2.45% dividend yield), and recent corporate actions (dividend hike and buybacks) add support, partially offset by below-2022 profitability levels, softer recent FCF growth, and historical leverage volatility.
Positive Factors
Scale & revenue diversification from acquisitions
Acquisitions and the addition of AUM/fee businesses materially enlarge scale and diversify revenue beyond net interest income. A larger loan book and deposits broaden core earning assets, while fee businesses (AUM) smooth earnings and reduce reliance on interest-rate cycles, improving durable resilience.
Negative Factors
Profitability normalized below 2022 peak
Margins have compressed materially from 2022 highs, implying that prior peak profitability included transient advantages or one-offs. Sustaining growth will require persistent NIM improvement, cost discipline, or material fee income growth; otherwise earnings power may remain structurally lower.
Read all positive and negative factors
Positive Factors
Negative Factors
Scale & revenue diversification from acquisitions
Acquisitions and the addition of AUM/fee businesses materially enlarge scale and diversify revenue beyond net interest income. A larger loan book and deposits broaden core earning assets, while fee businesses (AUM) smooth earnings and reduce reliance on interest-rate cycles, improving durable resilience.
Read all positive factors
Mid Penn Bancorp (MPB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$964.51M
Dividend Yield2.54%
Average Volume (3M)162.79K
Price to Earnings (P/E)12.5
Beta (1Y)0.72
Revenue Growth20.29%
EPS Growth19.48%
CountryUS
Employees723
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.96
Shares Outstanding25,335,215
10 Day Avg. Volume131,026
30 Day Avg. Volume162,787
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 Upside6.27% 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
Neutral
37.17
Price Trends
35.69
Positive
34.11
Positive
32.51
Positive
Market Momentum
0.65
Positive
49.26
Neutral
48.11
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MPB, the sentiment is Neutral. The current price of 37.17 is below the 20-day moving average (MA) of 37.86, above the 50-day MA of 35.69, and above the 200-day MA of 32.51, indicating a neutral trend. The MACD of 0.65 indicates Positive momentum. The RSI at 49.26 is Neutral, neither overbought nor oversold. The STOCH value of 48.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $849.53M | 8.96 | 14.46% | 2.68% | -0.52% | 98.41% | |
77 Outperform | $964.51M | 12.51 | 8.02% | 2.45% | 20.29% | 19.48% | |
76 Outperform | $1.14B | 13.33 | 15.92% | 1.92% | 18.89% | 38.49% | |
74 Outperform | $971.81M | 11.04 | 13.02% | 2.83% | 8.25% | 36.33% | |
74 Outperform | $1.04B | 11.01 | 9.85% | 1.87% | 8.88% | 11.73% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $870.93M | 13.00 | 10.58% | 2.17% | -8.87% | 3.26% |
* Financial Sector Average
MPB
Mid Penn Bancorp
37.02
9.35
33.79%
THFF
First Financial Indiana
78.82
25.17
46.90%
GSBC
Great Southern Bancorp
78.53
19.75
33.60%
ORRF
Orrstown Financial Services
41.76
9.63
29.97%
BFST
Business First Bancshares
31.05
7.63
32.56%
FSBC
Five Star
45.18
14.49
47.20%
Mid Penn Bancorp Corporate Events
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...
Executive/Board ChangesShareholder Meetings
Mid Penn Shareholders Reelect Directors and Approve Governance Items
Positive
May 12, 2026
On May 12, 2026, Mid Penn Bancorp, Inc. held its Annual Meeting of Shareholders, with 20,120,398 of 25,339,110 eligible shares represented in person or by proxy. Shareholders elected five individuals as Class A directors to three-year terms, reaff...
Executive/Board ChangesRegulatory Filings and ComplianceShareholder Meetings
Mid Penn Bancorp Holds 2026 Annual Shareholder Meeting
Neutral
May 12, 2026
On May 12, 2026, Mid Penn Bancorp, Inc. plans to hold its Annual Meeting of Shareholders, where formal business will include the election of five Class A directors for three-year terms and the introduction of the company’s board and senior m...
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.