MPB Stock Analysis: Mid Penn Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 924m USD | 12M Return: 43.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.41M
EPS Trend: 68.6%
Qual. Beats: 0
Rev. Trend: 83.2%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Mid Penn Bancorp, Inc. (NASDAQ: MPB) is the bank holding company for Mid Penn Bank, a regional commercial bank serving individuals, businesses, non-profits, and government entities in Pennsylvania and New Jersey. Founded in 1868 and headquartered in Harrisburg, Pennsylvania, the company operates as a community-oriented financial institution under the U.S. bank holding company structure common among regional banks.
The companys deposit offerings span traditional retail products, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. On the lending side, Mid Penn provides a diversified portfolio of mortgage, home equity, commercial, consumer, construction, agricultural, SBA, and government loans, reflecting the broad credit mix typical of community banks that serve both retail and small-to-mid-sized business customers in their local markets.
In addition to core banking services, the company generates fee-based income through trust, wealth management, retail investment, and personal and business insurance services, along with private banking and digital banking tools such as online bill payment, cash management, and debit and credit card products. These non-interest income lines are an important component of the business model for regional banks, helping diversify revenue beyond net interest margin.
- Net interest margin expands on rising Fed funds rate
- Commercial real estate loan portfolio faces credit quality risks
- Acquisition strategy drives branch network and asset growth
| Net Income: 68.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.57 > 1.0 |
| NWC/Revenue: -1.73k% < 20% (prev -1.55k%; Δ -179.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 94.4m > Net Income 68.1m |
| Net Debt (-787.9m) to EBITDA (94.4m): -8.35 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.4m) vs 12m ago 21.05% < -2% |
| Gross Margin: 57.12% > 18% (prev 59.00%; Δ -1.88% > 0.5%) |
| Asset Turnover: 4.38% > 50% (prev 5.02%; Δ -0.64% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBIT TTM 89.3m / Interest Expense TTM 123.7m) |
| A: -0.72 (Total Current Assets 1.01b - Total Current Liabilities 6.10b) / Total Assets 7.06b |
| B: 0.03 (Retained Earnings 238.2m / Total Assets 7.06b) |
| C: 0.01 (EBIT TTM 89.3m / Avg Total Assets 6.71b) |
| D: 0.15 (Book Value of Equity 901.9m / Total Liabilities 6.16b) |
| Altman-Z'' = -4.37 = D |
| DSRI: 1.27 (Receivables 33.4m/28.5m, Revenue 293.8m/319.0m) |
| GMI: 1.03 (GM 59.00% / 57.12%) |
| AQI: 0.93 (AQ_t 0.85 / AQ_t-1 0.91) |
| SGI: 0.92 (Revenue 293.8m / 319.0m) |
| TATA: -0.00 (NI 68.1m - CFO 94.4m) / TA 7.06b) |
| Beneish M = -2.87 (Cap -4..+1) = A |
As of July 28, 2026, the stock is trading at USD 37.75 with a total of 252,600 shares traded. Over the past week, the price has changed by +7.09%, over one month by +10.25%, over three months by +12.50% and over the past year by +43.26%.
Current recommended Stop Loss: 36.40 (which is 3.6% or 1.4 ATR below the current price).
Mid Penn Bancorp has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy MPB.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 37.2 | -1.5% |
P/E Trailing = 15.8522
P/E Forward = 11.0619
P/S = 3.5067
P/B = 0.9965
P/EG = 12.6612
Revenue TTM = 293.8m USD
EBIT TTM = 89.3m USD
EBITDA TTM = 94.4m USD
Long Term Debt = 20.2m USD (from longTermDebt, last fiscal year)
Short Term Debt = 137.5m USD (from shortTermDebt, last quarter)
Debt = 176.7m USD (from shortLongTermDebtTotal, last quarter) + Leases 20.1m
Net Debt = -787.9m USD (calculated: Debt 176.7m - CCE 964.6m)
Enterprise Value = 136.2m USD (924.1m + Debt 176.7m - CCE 964.6m)
Interest Coverage Ratio = 0.72 (Ebit TTM 89.3m / Interest Expense TTM 123.7m)
EV/FCF = 1.56x (Enterprise Value 136.2m / FCF TTM 87.4m)
FCF Yield = 64.19% (FCF TTM 87.4m / Enterprise Value 136.2m)
FCF Margin = 29.77% (FCF TTM 87.4m / Revenue TTM 293.8m)
Net Margin = 23.20% (Net Income TTM 68.1m / Revenue TTM 293.8m)
Gross Margin = 57.12% ((Revenue TTM 293.8m - Cost of Revenue TTM 126.0m) / Revenue TTM)
Gross Margin QoQ = none% (prev 60.99%)
Tobins Q-Ratio = 0.02 (Enterprise Value 136.2m / Total Assets 7.06b)
Interest Expense / Debt = 70.00% (Interest Expense 123.7m / Debt 176.7m)
Taxrate = 24.42% (22.0m / 90.2m)
NOPAT = 67.5m (EBIT 89.3m * (1 - 24.42%))
Current Ratio = 0.17 (Total Current Assets 1.01b / Total Current Liabilities 6.10b)
Debt / Equity = 0.20 (Debt 176.7m / totalStockholderEquity, last quarter 901.9m)
Debt / EBITDA = -8.35 (Net Debt -787.9m / EBITDA 94.4m)
Debt / FCF = -9.01 (Net Debt -787.9m / FCF TTM 87.4m)
Total Stockholder Equity = 849.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 68.1m / Total Assets 7.06b)
RoE = 8.02% (Net Income TTM 68.1m / Total Stockholder Equity 849.9m)
RoCE = 10.26% (EBIT 89.3m / Capital Employed (Equity 849.9m + L.T.Debt 20.2m))
RoIC = 6.23% (NOPAT 67.5m / Invested Capital 1.08b)
WACC = 7.21% (E(924.1m)/V(1.10b) * Re(8.59%) + (debt cost/tax rate unavailable))
Discount Rate = 8.59% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.51 | Cagr: 16.51%
[DCF] Terminal Value 77.97% ; FCFF base≈69.3m ; Y1≈79.5m ; Y5≈117.0m
[DCF] Fair Price = 100.6 (EV 1.76b - Net Debt -787.9m = Equity 2.55b / Shares 25.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 68.60 | EPS CAGR: 4.18% | SUE: 0.76 | # QB: 0
Revenue Correlation: 83.18 | Revenue CAGR: 11.64% | SUE: -1.06 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.83 | Chg30d=+0.61% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=3.13 | Chg30d=-1.37% | Revisions=-40% | GrowthEPS=+3.5% | GrowthRev=+27.1%
EPS next Year (2027-12-31): EPS=3.63 | Chg30d=+0.23% | Revisions=-40% | GrowthEPS=+16.2% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: -67% (up=0, down=6)