Mid Penn Bancorp (MPB)
NASDAQ:MPB
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Mid Penn Bancorp
(NASDAQ:MPB)
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Rating:61Neutral
Price Target:
$33.00
â–¼(-2.57% Downside)
Action:DowngradedDate:03/13/26
The score is led by solid financial stability (notably low leverage and solid margins) and supportive valuation (moderate P/E with a solid dividend). These positives are tempered by a major near-term concern in 2025 cash flow turning negative and weak technical momentum (below key moving averages with negative MACD), while corporate actions are a modest positive tailwind.
Positive Factors
Conservative leverage and stronger capital
A very low debt-to-equity (~0.07 in 2025) and meaningful equity growth provide a durable capital buffer that supports lending capacity, regulatory resilience, and room for measured organic growth or acquisitions without stressing funding. This structural strength reduces balance-sheet risk over the next several quarters.
Negative Factors
Negative operating and free cash flow in 2025
A sharp reversal to negative operating and free cash flow in 2025 breaks years of positive conversion and raises persistent questions about cash generation quality. Weak cash flow constrains internally fundable growth, dividend flexibility, and integration costs for acquisitions, increasing funding and execution risk over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and stronger capital
A very low debt-to-equity (~0.07 in 2025) and meaningful equity growth provide a durable capital buffer that supports lending capacity, regulatory resilience, and room for measured organic growth or acquisitions without stressing funding. This structural strength reduces balance-sheet risk over the next several quarters.
Read all positive factors
Mid Penn Bancorp (MPB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$851.95M
Dividend Yield2.58%
Average Volume (3M)162.79K
Price to Earnings (P/E)9.2
Beta (1Y)0.75
Revenue Growth12.09%
EPS Growth-15.97%
CountryUS
Employees600
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.83
Shares Outstanding25,153,465
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 Cap1.01
Enterprise Value/Revenue2.48
Enterprise Value/Gross Profit3.90
Enterprise Value/Ebitda10.99
Forecast
1Y Price Target
$37.00Price Target Upside9.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.54
Revenue Forecast (FY)$291.00M
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
33.87
Price Trends
32.53
Positive
31.60
Positive
29.97
Positive
Market Momentum
0.22
Negative
68.42
Neutral
93.86
Negative
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 33.87 is above the 20-day moving average (MA) of 31.78, above the 50-day MA of 32.53, and above the 200-day MA of 29.97, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 68.42 is Neutral, neither overbought nor oversold. The STOCH value of 93.86 is Negative, 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 | $859.32M | 10.76 | 14.49% | 2.18% | 22.24% | 18.63% | |
71 Outperform | $925.05M | 8.79 | 10.19% | 2.12% | 17.99% | 11.08% | |
69 Neutral | $789.86M | 8.35 | 13.02% | 3.19% | 16.57% | 69.64% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $746.34M | 7.29 | 14.41% | 2.93% | 47.65% | 101.00% | |
62 Neutral | $734.86M | 9.89 | 11.33% | 2.48% | 0.67% | 17.88% | |
61 Neutral | $851.95M | 9.23 | 7.31% | 2.58% | 12.09% | -15.97% |
* Financial Sector Average
MPB
Mid Penn Bancorp
33.87
9.26
37.65%
THFF
First Financial Indiana
66.42
22.84
52.42%
GSBC
Great Southern Bancorp
67.03
15.07
29.00%
ORRF
Orrstown Financial Services
38.04
11.61
43.93%
BFST
Business First Bancshares
28.28
6.13
27.65%
FSBC
Five Star
40.20
14.54
56.69%
Mid Penn Bancorp Corporate Events
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 $...
Business Operations and StrategyDividendsFinancial Disclosures
Mid Penn Bancorp Reports Strong Q4 Earnings, Raises Dividends
Positive
Jan 21, 2026
On January 21, 2026, Mid Penn Bancorp reported that fourth-quarter 2025 net income available to common shareholders rose 47% year over year to $19.4 million, or $0.84 per basic share, while full-year 2025 net income reached $56.2 million despite e...
Business Operations and StrategyExecutive/Board Changes
Mid Penn Bancorp Appoints Dana Stewart as Chief Operating Officer
Positive
Jan 8, 2026
On January 8, 2026, Mid Penn Bank announced it had hired veteran banker Dana R. Stewart as first executive vice president and chief operating officer, effective January 5, 2026, tasking him with leading the bank’s loan and deposit operations...
Business Operations and StrategyM&A Transactions
Mid Penn Bancorp Completes Acquisition of Cumberland Advisors
Positive
Jan 5, 2026
On January 1, 2026, Mid Penn Bancorp, Inc. completed its acquisition of Sarasota, Florida-based Cumberland Advisors, Inc., a registered investment advisory firm founded in 1973 with approximately $3.2 billion in assets under management as of Decem...
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.