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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 Framework: Banks & Lenders Small Cap
Mid Penn Bancorp, Inc. (MPB), is a Small Cap company, in the Banks - Regional industry, last closed at $36.92, about 0.9% overvalued vs fair value, +22.9% 1Y return, ranked 474/1078 in sector.
Metrics P/E 12.1× Rev Growth 25.9% ROE 7.7% Gross Margin 90.3% Div Yield 2.54%
USD 36.92
-1.28%
(Delayed)
• Vol 90d: 24.6%
52-Week Range
Market Cap
$868.32M
Enterprise Value
$954.46M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 100%
Confidence: 62%
Updated: Sep 12
Top Beats

Quick Facts

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

Next Events

Earnings Oct 21 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$37
$69
Current: $36.92 -1% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$323.8M
13%%
Interest Expense
$124.7M
Net Interest Income
$199.1M
27.1%%
Total Revenue
$222.6M
25.9%%
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
6.9%
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

$20.4M
36.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
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
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.89), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.37).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
50
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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 (38.0%), Profitability (25.5%), and Safety (36.5%). Growth 38% Safety 37% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

72th percentile vs peers
73
Key Signals
NII Growth YoY 27.1% 88p Asset Growth YoY 12.1% 79p Equity Growth YoY 24.3% 89p EPS Growth YoY -11.5% 19p
Strengths
  • NII Growth YoY in top 20% of peers (27.1%, 88th percentile)
  • Equity Growth YoY in top 20% of peers (24.3%, 89th percentile)
  • D/E Ratio in top 20% of peers (7.3%, 90th percentile)
  • Debt/Assets in top 20% of peers (1.0%, 89th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • EPS Growth YoY in bottom 20% of peers (-11.5%)

Profitability

48th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
70
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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Bear
-
- - -
- upside
-
Base
$36.59
- - -
-0.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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