Mid Penn Bancorp (MPB)
NASDAQ:MPB
Want to see MPB full AI Analyst Report?
Top Page
Mid Penn Bancorp
(NASDAQ:MPB)
Select Model
Select Model
Rating:70Outperform
Price Target:
$38.00
▲(10.72% Upside)
Action:UpgradedDate:04/22/26
The score is driven primarily by financial quality: a strong, conservatively levered balance sheet and solid profitability are offset by a notable 2025 cash flow reversal to negative. Technicals are supportive with price above key moving averages and positive MACD, while valuation is favorable with a low P/E and a moderate dividend yield; recent corporate actions (buyback/dividend and acquisition-led growth) are constructive but include near-term integration cost pressure.
Positive Factors
Conservative balance sheet / low leverage
Very low debt-to-equity (~0.07) and meaningful equity growth provide durable capital flexibility. This reduces refinancing and solvency risk, supports lending capacity and regulatory buffers, and allows the bank to pursue acquisitions, dividends, or buybacks without materially raising leverage.
Negative Factors
Sharp cash-flow deterioration
Negative operating and free cash flow in 2025 breaks a multi-year pattern of positive cash conversion, weakening earnings quality. Persistent cash deficits constrain internal funding for dividends, buybacks or integration investment and may increase reliance on external financing or asset sales.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet / low leverage
Very low debt-to-equity (~0.07) and meaningful equity growth provide durable capital flexibility. This reduces refinancing and solvency risk, supports lending capacity and regulatory buffers, and allows the bank to pursue acquisitions, dividends, or buybacks without materially raising leverage.
Read all positive factors
Mid Penn Bancorp (MPB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$855.96M
Dividend Yield2.58%
Average Volume (3M)162.79K
Price to Earnings (P/E)21.4
Beta (1Y)0.78
Revenue Growth17.28%
EPS Growth-22.85%
CountryUS
Employees600
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.64
Shares Outstanding25,339,110
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 Ratio10.99
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue2.38
Enterprise Value/Gross Profit3.75
Enterprise Value/Ebitda10.55
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.55
Revenue Forecast (FY)$291.35M
Mid Penn Bancorp Business Overview & Revenue Model
Company Description
Mid Penn Bancorp, Inc. operates as the bank holding company for Mid Penn Bank that provides commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company offers various time and demand deposit pr...
How the Company Makes Money
Mid Penn Bancorp primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income, while incurring operating costs and credit losses typical of a commercial bank.
1) Net interest income...
Mid Penn Bancorp Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
78
Positive
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 326.93M | 306.71M | 254.38M | 187.25M | 143.83M |
| Gross Profit | 200.96M | 174.66M | 161.72M | 165.18M | 126.13M |
| EBITDA | 77.41M | 66.86M | 51.55M | 73.82M | 40.73M |
| Net Income | 56.25M | 49.44M | 37.40M | 54.81M | 29.32M |
Balance Sheet | |||||
| Total Assets | 6.13B | 5.47B | 5.29B | 4.50B | 4.69B |
| Cash, Cash Equivalents and Short-Term Investments | 52.14M | 311.97M | 303.66M | 296.08M | 250.49M |
| Total Debt | 59.38M | 79.44M | 356.17M | 71.08M | 166.91M |
| Total Liabilities | 5.32B | 4.82B | 4.75B | 3.99B | 4.20B |
| Stockholders Equity | 814.06M | 655.02M | 542.35M | 512.10M | 490.08M |
Cash Flow | |||||
| Free Cash Flow | 65.35M | 44.47M | 49.57M | 55.74M | 62.40M |
| Operating Cash Flow | 73.59M | 51.39M | 52.34M | 59.99M | 65.90M |
| Investing Cash Flow | -3.82M | -208.74M | -408.93M | -704.71M | 169.37M |
| Financing Cash Flow | -58.20M | 131.16M | 392.47M | -208.15M | 374.76M |
Mid Penn Bancorp Technical Analysis
Positive
34.32
Price Trends
32.68
Positive
31.98
Positive
30.20
Positive
Market Momentum
0.55
Negative
68.39
Neutral
74.44
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 34.32 is above the 20-day moving average (MA) of 32.72, above the 50-day MA of 32.68, and above the 200-day MA of 30.20, indicating a bullish trend. The MACD of 0.55 indicates Negative momentum. The RSI at 68.39 is Neutral, neither overbought nor oversold. The STOCH value of 74.44 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 36 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $871.93M | ― | 15.32% | 2.18% | 19.71% | 27.52% | |
71 Outperform | $883.02M | ― | 10.06% | 2.12% | 9.48% | 15.28% | |
70 Outperform | $855.96M | 21.38 | 6.26% | 2.58% | 17.28% | -22.85% | |
70 Outperform | $729.27M | 7.97 | 14.62% | 2.93% | 10.74% | 121.24% | |
69 Neutral | $796.16M | 9.48 | 13.02% | 3.19% | 12.99% | 67.00% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $744.51M | 9.92 | 11.29% | 2.48% | -6.80% | 13.03% |
* Financial Sector Average
MPB
Mid Penn Bancorp
34.26
6.06
21.50%
THFF
First Financial Indiana
67.46
19.84
41.67%
GSBC
Great Southern Bancorp
68.65
15.14
28.29%
ORRF
Orrstown Financial Services
37.40
8.40
28.95%
BFST
Business First Bancshares
27.50
4.97
22.03%
FSBC
Five Star
40.31
13.34
49.46%
Mid Penn Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial DisclosuresM&A Transactions
Mid Penn Bancorp Expands Buybacks, Declares Quarterly Dividend
Positive
Apr 21, 2026
On April 21, 2026, Mid Penn Bancorp’s board renewed and expanded its treasury stock repurchase program, authorizing up to an additional $50 million in common share buybacks through April 30, 2027, to be executed at management’s discret...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Mid Penn Bancorp Completes Acquisition of 1st Colonial Bancorp
Positive
Mar 2, 2026
Mid Penn Bancorp, Inc. announced that it completed its acquisition of 1st Colonial Bancorp, Inc. after the close of business on February 27, 2026, in a cash-and-stock deal valued at about $106.1 million, merging 1st Colonial Community Bank into Mi...
Business Operations and StrategyM&A TransactionsShareholder Meetings
Mid Penn Bancorp Shareholders Approve 1st Colonial Merger
Positive
Feb 11, 2026
On February 11, 2026, Mid Penn Bancorp, Inc. and 1st Colonial Bancorp, Inc. reported that 1st Colonial shareholders overwhelmingly approved their previously announced merger agreement dated September 24, 2025. More than 80% of outstanding 1st Colo...
Business Operations and StrategyM&A Transactions
Mid Penn Bancorp Advances Acquisition of 1st Colonial Bancorp
Positive
Feb 6, 2026
On February 6, 2026, Mid Penn Bancorp and 1st Colonial Bancorp announced that they had received all required bank regulatory approvals for Mid Penn’s previously announced acquisition of 1st Colonial in a cash-and-stock deal valued at about $...
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.