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Mid Penn Bancorp

MPB Financial Banks Regional

Mid Penn Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $350.6 million, up 13.4% from fiscal 2024.

Revenue
+13.2%
EPS
+6.25%
Free cash flow
−3.90%
Total debt
−95.2%

Quarter to September 2026, against a year earlier

34.37 0.66 −1.88%
Market cap
$869.3M
P/E
11.8×
Fwd P/E
11.2×
Dividend yield
3.26%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.33
Sold, $m 0.00
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 6 — — 9 — 1 6 — — 7 — —
Sell — — 1 — — — — — — — — —
Insider Ownership 17.82%

Capital & Financial Ratios $m

Size
Market Cap 869.25
Revenue ttm 400.85
Net income ttm 71.47
Free cash flow ttm 76.04
Net debt Q (169.11)
Valuation
P/E 11.81
Forward P/E 11.20
Price / sales 2.17
Forward P/S Powerpack
Price / FCF 11.45
Price / book 0.96
Financial health
Current ratio Q 0.94
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +13.23% (above 0%: growing)
Operating income growth Q +80.98% (above 0%: growing)
EPS, this year +6.79%
EPS, next year A +12.56%
Revenue, next year A −16.97% (below 0%: weak)
EPS, past 5 yrs −3.83% (below 0%: weak)
EPS, next 5 yrs A +9.61%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 56.18%
10-year low 10-year high
P/S against its own 10 years 56.91%
10-year low 10-year high
P/B against its own 10 years 70.22%
10-year low 10-year high

Dividends raised 2 years running

Yield
3.26%
Annual rate
1.12
Payout ratio
38.9%
Growth, 2018–26
+9.05%/yr
  1. 0.45 ’18
  2. 0.54 ’19 +20
  3. 0.72 ’20 +33
  4. 0.79 ’21 +10
  5. 0.80 ’22 +1
  6. 0.80 ’23 +0
  7. 0.80 ’24 +0
  8. 0.82 ’25 +2
  9. 0.90 ’26 +10
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 97 71 99 169
Receivables — — — —
Inventory — — — —
Other — — — —
4,345 4,512 4,959 —
2023 2024 2025 Q'26
Payables 4,346 4,690 5,215 6,095
ST’ Debt — — — —
Other — — — —
4,602 4,705 5,246 —

Compound Annual Growth %

10y 5y 3y
Sales 24.06% 22.74% 22.82%
Cash Flow 19.77% 41.58% 10.09%
Earnings 25.00% 16.50% 0.87%
Book Value 27.79% 26.06% 16.71%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.88 Actual 0.88

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY24 0.73 0.75 Beat by 0.02
Q4 FY24 0.74 0.71 Miss by 0.03
Q2 FY26 0.81 0.87 Beat by 0.06
Q3 FY26 0.88 0.88 Met by 0.00
Q4 FY26 0.88 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.36 0.85 0.84 — —
’25 0.71 0.22 0.79 0.83 2.55
’24 0.73 0.71 0.74 0.72 2.90
’23 0.70 0.29 0.56 0.73 2.29
’22 0.71 0.77 0.97 0.99 3.44
’21 1.10 0.93 0.86 0.05 2.71
’20 0.45 0.81 0.78 1.06 3.10
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 94 107 108 — —
’25 77 86 95 92 351
’24 74 77 79 79 309
’23 55 62 69 71 256
’22 43 43 49 53 189
’21 34 36 36 38 145
’20 27 30 31 38 126
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 14 32 — — —
’25 13 34 20 13 80
’24 12 18 17 4 51
’23 13 11 13 15 52
’22 11 13 18 18 60
’21 13 15 14 24 66
’20 (1) 0 0 15 14
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 13 31 — — —
’25 10 33 18 14 74
’24 12 19 16 (2) 45
’23 12 11 13 15 51
’22 10 12 19 16 56
’21 13 14 12 24 63
’20 2 (6) 0 16 12
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 46 50 76 108 126 145 189 256 309 351 401 +25.3% 291 321 341 (1.0%)
Gross margin, % 88.37 87.29 83.29 76.69 84.32 89.81 90.61 65.14 57.97 64.44 69.21 (23.9) pt
EBT 10 12 13 21 31 36 67 45 60 72 94 +24.5%
EBT margin, % 21.84 23.37 16.72 19.85 24.90 24.89 35.58 17.43 19.42 20.64 23.34 (1.2) pt
Net income 8 7 11 18 26 29 55 37 49 56 71 +24.5%
Per share, $
Per share, $ Revenue 10.91 11.71 10.76 12.74 14.91 13.41 11.89 15.71 18.15 16.11 15.82 +4.4%
Earnings 1.85 1.67 1.48 2.09 3.11 2.71 3.44 2.29 2.90 2.57 2.91 +3.7%
Cash flow 5.17 2.81 1.55 0.92 1.67 6.10 3.77 3.21 3.02 3.68 0.00 (3.7%)
Capex 0.05 (1.07) (1.21) (0.15) (0.28) (0.30) (0.24) (0.09) (0.38) (0.28) 0.00 n/m
Free cash flow 5.22 1.74 0.35 0.77 1.39 5.80 3.53 3.11 2.64 3.40 0.00 (4.6%)
Book value 16.66 17.87 31.57 28.09 30.30 45.35 32.18 33.23 38.47 37.42 35.63 +9.4%
Shares, m 4 4 7 8 8 11 16 16 17 22 24 +20.0%
Valuation, ×
Valuation, × P/E 12.92 20.27 15.99 13.78 7.04 10.76 8.82 10.59 9.94 12.07 11.81 12.2
P/S 2.19 2.89 2.14 2.26 1.47 2.37 2.55 1.54 1.59 1.92 2.17 2.1
P/B 1.43 1.89 0.73 1.03 0.72 0.70 0.94 0.73 0.75 0.83 0.96 1.0
EV/Sales 1.65 3.02 2.60 1.53 0.01 (2.87) 2.55 1.58 1.58 1.71 — 1.3
EV/FCF 3.45 20.35 80.91 25.28 0.07 (6.62) 8.60 7.96 10.89 8.09 — 15.9
Cash, $m
Cash, $m Operating cash flow 22 12 11 8 14 66 60 52 51 80 80 +15.5%
Capex 0 (5) (9) (1) (2) (3) (4) (2) (6) (6) (4) n/m
Free cash flow 22 7 2 7 12 63 56 51 45 74 76 +14.4%
Balance, $m
Balance, $m Working capital (77) (127) (106) (6) 111 23 (306) (257) (193) (287) (391) +15.7%
Net debt (25) 6 35 (79) (184) (758) 0 9 (1) (76) (169) +13.1%
Shareholders’ equity 70 76 223 238 256 490 512 542 655 814 903 +31.2%
Returns, %
Returns, % ROA 0.79 0.64 0.65 0.82 1.00 0.76 1.19 0.76 0.92 0.97 1.07 +0.2 pt
ROIC 14.15 9.39 4.24 8.43 29.37 0.00 8.23 5.68 5.80 7.16 0.00 (7.0) pt
ROE 11.11 9.70 7.02 7.68 10.62 7.86 10.94 7.09 8.26 7.66 8.41 (3.4) pt
People
People Employees 257 277 406 444 466 619 611 635 614 723 — +12.2%
Revenue/emp, $m 0.18 0.18 0.19 0.24 0.27 0.23 0.31 0.40 0.50 0.48 — +11.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Mid Penn Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FMNB Farmers National Banc Corp. $919.5M 10.6× 10.9× +43.94% (above 0%: growing) +5.41% (above 0%: growing) +114.21% (above 0%: growing) 70.09% 0.00% Compare
NBBK NB Bancorp, Inc. $899.0M 13.2× 11.0× +39.49% (above 0%: growing) +37.21% (above 0%: growing) −112.43% (below 0%: shrinking) 63.66% 0.00% Compare
MPB Mid Penn Bancorp $869.3M 11.8× 11.2× +13.23% (above 0%: growing) +6.25% (above 0%: growing) −3.90% (below 0%: shrinking) 69.39% 0.00%
GSBC Great Southern Bancorp, Inc. $868.0M 13.3× 13.9× −10.48% (below 0%: shrinking) −16.18% (below 0%: shrinking) −93.70% (below 0%: shrinking) 71.23% 0.00% Compare
ORRF Orrstown Financial Services Inc $864.7M 9.8× 9.8× +0.90% (above 0%: growing) +8.91% (above 0%: growing) −5.50% (below 0%: shrinking) 70.78% 0.00% Compare
CCBG Capital City Bank Group $861.6M 13.8× 13.4× −2.57% (below 0%: shrinking) +6.45% (above 0%: growing) +47.12% (above 0%: growing) 89.60% 0.00% Compare
FCBC First Community Bancshares, Inc. $858.8M 14.3× 14.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00% Compare
ALRS Alerus Financial $837.6M 28.4× 10.5× +4.46% (above 0%: growing) +16.67% (above 0%: growing) +136.92% (above 0%: growing) 77.55% 0.00% Compare
RCBC River City Bank $828.4M — — — — — 51.62% 0.00% Compare
Median of peers $863.2M 13.3× 11.0× +4.46% +8.91% +47.12% 71.01% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 27 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.21m 2.26m 110.65
2024 1.24m 1.34m 122.74
2023 1.70m 1.51m 83.97
2022 1.33m 1.34m 97.07
2021 1.15m 1.27m 149.57

Ownership

Directors and executive officers, together 7.20%
Philip A. Norcross 9.70%
General American Capital, LLC 9.60%
Wellington Management Group LLP 8.80%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Mid Penn Bancorp (MPB) Latest News

23 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
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8 Oct

Impact 3 · · Business Wire

23 Sep

Impact 3 ·

22 Apr

Impact 3 · · Business Wire

21 Apr

Impact 3 · · Business Wire

2 Mar

Impact 4 · · Business Wire

11 Feb

Impact 4 · · Business Wire

6 Feb

Impact 4 · · Business Wire

3 Feb

Impact 3 · · Simply Wall St.
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1 Feb

Impact 3 · · Simply Wall St.MT NewswiresMT NewswiresSimply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Zacks

21 Jan

Impact 4 · · Business WireMarketBeatGuruFocus.comZacksMarketBeatZacksMarketBeatGuruFocus.com

14 Jan

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8 Jan

Impact 3 · · Business WireBanking DiveMT NewswiresMT NewswiresMT NewswiresMT NewswiresMT NewswiresMT Newswires

5 Jan

Impact 4 ·

18 Dec

Impact 3 · · Simply Wall St.

26 Nov

Impact 3 · · Simply Wall St.Simply Wall St.

30 Oct

Impact 4 · · Simply Wall St.

28 Oct

Impact 3 · · Simply Wall St.

24 Oct

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.

22 Oct

Impact 4 · · Business Wire

6 Oct

Impact 3 · · Simply Wall St.

4 Oct

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29 Sep

Impact 4 · · bankingdive.com

25 Sep

Impact 4 · · Business Wire
Impact 4 · · courierpostonline.com

24 Sep

Impact 4 ·
stockrow.com/MPB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com