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:68Neutral
Price Target:
$35.00
â–²(1.98% Upside)
Action:Reiterated
Date:05/13/26
The score is driven primarily by solid financial performance (growth, improving leverage, and strong TTM cash generation) and supportive corporate actions (buybacks/dividend and accretive growth from acquisitions). These are tempered by weak technical momentum and only moderate valuation support given the higher P/E despite a reasonable dividend yield.
Positive Factors
Deposit and loan growth from acquisitions
Acquisitions meaningfully expanded scale, adding $597.5M loans and $747.1M deposits which improved funding mix (more noninterest-bearing balances) and broadened the franchise toward Philly and southern NJ. That scale supports durable net interest income and fee diversification over coming quarters.
Negative Factors
Integration costs pressuring efficiency
Merger-related charges and incremental operating expenses have materially worsened efficiency, reducing pre-provision earnings. If cost synergies take multiple quarters to realize, higher expense run-rate could compress sustainable profitability and delay accretion from recent deals.
Read all positive and negative factors
Positive Factors
Negative Factors
Deposit and loan growth from acquisitions
Acquisitions meaningfully expanded scale, adding $597.5M loans and $747.1M deposits which improved funding mix (more noninterest-bearing balances) and broadened the franchise toward Philly and southern NJ. That scale supports durable net interest income and fee diversification over coming quarters.
Read all positive factors
Mid Penn Bancorp (MPB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$806.98M
Dividend Yield2.58%
Average Volume (3M)162.79K
Price to Earnings (P/E)21.4
Beta (1Y)0.77
Revenue Growth17.28%
EPS Growth-22.85%
CountryUS
Employees600
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.24
Shares Outstanding25,344,942
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 Cap0.98
Enterprise Value/Revenue2.27
Enterprise Value/Gross Profit3.57
Enterprise Value/Ebitda11.08
Forecast
1Y Price Target
$37.00Price Target Upside7.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.55
Revenue Forecast (FY)$293.20M
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
74
Positive
Balance Sheet
81
Very Positive
Cash Flow
77
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 349.57M | 326.93M | 306.71M | 254.38M | 187.25M | 143.83M |
| Gross Profit | 222.03M | 200.96M | 174.66M | 161.72M | 165.18M | 126.13M |
| EBITDA | 71.60M | 77.41M | 66.86M | 51.55M | 73.82M | 40.73M |
| Net Income | 51.21M | 56.25M | 49.44M | 37.40M | 54.81M | 29.32M |
Balance Sheet | ||||||
| Total Assets | 6.96B | 6.13B | 5.47B | 5.29B | 4.50B | 4.69B |
| Cash, Cash Equivalents and Short-Term Investments | 60.97M | 52.14M | 311.97M | 303.66M | 296.08M | 250.49M |
| Total Debt | 51.71M | 59.38M | 79.44M | 356.17M | 71.08M | 166.91M |
| Total Liabilities | 6.08B | 5.32B | 4.82B | 4.75B | 3.99B | 4.20B |
| Stockholders Equity | 887.40M | 814.06M | 655.02M | 542.35M | 512.10M | 490.08M |
Cash Flow | ||||||
| Free Cash Flow | 88.43M | 71.80M | 44.47M | 49.57M | 55.74M | 62.40M |
| Operating Cash Flow | 95.37M | 80.03M | 51.39M | 52.34M | 59.99M | 65.90M |
| Investing Cash Flow | 140.97M | 83.17M | -208.74M | -408.93M | -704.71M | 169.37M |
| Financing Cash Flow | -202.41M | -134.85M | 131.16M | 392.47M | -208.15M | 374.76M |
Mid Penn Bancorp Technical Analysis
Negative
34.32
Price Trends
32.37
Negative
32.29
Negative
30.54
Positive
Market Momentum
-0.37
Positive
43.23
Neutral
23.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MPB, the sentiment is Negative. The current price of 34.32 is above the 20-day moving average (MA) of 32.62, above the 50-day MA of 32.37, and above the 200-day MA of 30.54, indicating a neutral trend. The MACD of -0.37 indicates Positive momentum. The RSI at 43.23 is Neutral, neither overbought nor oversold. The STOCH value of 23.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $879.84M | 10.75 | 15.32% | 2.18% | 19.90% | 38.87% | |
75 Outperform | $704.37M | 7.97 | 14.62% | 2.93% | 10.73% | 121.24% | |
74 Outperform | $794.50M | 9.48 | 12.81% | 3.19% | 9.58% | 46.74% | |
73 Outperform | $751.30M | 9.92 | 11.29% | 2.48% | -6.68% | 13.04% | |
69 Neutral | $889.82M | 9.35 | 10.06% | 2.12% | 9.48% | 15.28% | |
68 Neutral | $806.98M | 21.38 | 6.26% | 2.58% | 17.28% | -22.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
MPB
Mid Penn Bancorp
31.66
4.24
15.47%
THFF
First Financial Indiana
66.27
15.37
30.19%
GSBC
Great Southern Bancorp
68.46
11.55
20.29%
ORRF
Orrstown Financial Services
35.79
5.86
19.56%
BFST
Business First Bancshares
27.07
3.20
13.42%
FSBC
Five Star
40.94
12.70
44.98%
Mid Penn Bancorp Corporate Events
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...
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...
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.