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Company Analysis

Mid Penn Bancorp MPB

A comprehensive view of key metrics, scores, and financial health for Mid Penn Bancorp

Overview of Mid Penn Bancorp, Inc.

MPB NGM
Financial Services Banks - Regional Small Cap
Mid Penn Bancorp, Inc. (MPB), is a Small Cap company, in the Banks - Regional industry, last closed at $33.78, about 4.1% undervalued vs fair value, +17.9% 1Y return, ranked 566/1037 in sector.
Metrics Rev Growth 84.9% ROE 7.7% Gross Margin 61.5%
$33.78
1.42%
As of April 28, 2026
Previous close • Vol 90d: 26.6%
52-Week Range
Market Cap
$782.90M
Enterprise Value
$795.58M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.midpennbank.com
HQ Harrisburg, PA
Employees 600
Fiscal year Dec 31

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$35
$66
Current: $33.78 +4% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$286.6M
21.3%%
Interest Expense
$124.7M
Net Interest Income
$156.7M
6.6%%
Total Revenue
$326.9M
84.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.5%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$14.1M
28.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Mid Penn Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
51
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing MPB's balance between Growth (50.0%), Profitability (27.2%), and Safety (22.8%). Growth 50% Safety 23% Profitability 27%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

79th percentile vs peers
79
Key Signals
Asset Growth YoY 12.1% 83p NII Growth YoY 6.6% 69p Equity Growth YoY 20.8% 88p EPS Growth YoY 26.7% 79p
Strengths
  • Asset Growth YoY in top 20% of peers (12.1%, 83th percentile)
  • Equity Growth YoY in top 20% of peers (20.8%, 88th percentile)
  • Equity/Assets in top 20% of peers (13.3%, 82th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

43th percentile vs peers
43
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
36
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Mid Penn Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$35.18
- - -
+4.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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