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. In the quarter to June 2026, revenue grew 24.5%, EPS grew 290.9%, free cash flow fell 3.90% and total debt fell 95.2%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten; insiders bought in the last twelve months.

36.04 0.07 +0.19%
Market cap
$911.3M
P/E
12.6×
Fwd P/E
11.6×
Dividend yield
2.47%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total buys 0.39
Total sells 0.00
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 6 — — 9 — 1 6 — — 7 —
Sell — — — 1 — — — — — — — —
Insider Ownership 17.80%

Capital & Financial Ratios $m

Market Cap 911.31
Revenue 388.27
Net Income 68.14
Free Cash Flow 76.04
Net Debt (83.74)
Current Ratio 0.94
Debt/Equity 0.00
P/E ratio 12.60
Fwd P/E 11.60
P/S ratio 2.35
P/B ratio 1.01
Past 5Y EPS Growth (3.83%) (below 0%: weak)
This Y EPS Growth 9.77%
Next Y EPS Growth 16.43% (at or above 15%: strong)
Next Y revenue growth (15.15%) (below 0%: weak)
Next 5Y EPS Growth 11.89%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 63.73%
10-year low 10-year high
P/S against its own 10 years 68.85%
10-year low 10-year high
P/B against its own 10 years 75.93%
10-year low 10-year high

Dividends

Payout Ratio 0.31
Annual Dividend Rate 0.89
Annual Dividend Yield 2.47%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.93
0.22
0.22
0.23
2025 0.82
0.20
0.20
0.20
0.22
2024 0.80
0.20
0.20
0.20
0.20
2023 0.80
0.20
0.20
0.20
0.20
2022 0.80
0.20
0.20
0.20
0.20
2021 0.79
0.05
0.19
0.20
0.20
0.20
2020 0.72
0.18
0.18
0.18
0.18
2019 0.54
0.10
0.18
0.18
0.18
2018 0.45
0.15
0.15
0.15
2017 0.67
0.13
0.13
0.13
0.13
0.15
2016 0.48
0.12
0.12
0.12
0.12
0.10
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 97 71 99 87
Receivables — — — —
Inventory — — — —
Other — — — —
4,345 4,512 4,959 5,712
2023 2024 2025 Q'26
Payables 4,346 4,690 5,215 5,953
ST’ Debt — — — —
Other — — — —
4,602 4,705 5,246 6,103

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%

Revenue $m

Mar Jun Sep Dec Year
’26 94 107 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.36 0.85 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 14.65 23.15 21.69 21.51 15.50 20.74 24.81 18.25 19.20 22.50

Analyst estimates 2026–2028

Powerpack
High 24.75 35.75 37.90 29.88 29.01 33.89 34.99 32.61 33.87 33.24
People
People Employees 257 277 406 444 466 619 611 635 614 723
Revenue/emp, $m 0.18 0.18 0.19 0.24 0.27 0.23 0.31 0.40 0.50 0.48
Income, $m
Income, $m Revenue 46 50 76 108 126 145 189 256 309 351
Gross margin, % 88.37 87.29 83.29 76.69 84.32 89.81 90.61 65.14 57.97 64.44
EBT 10 12 13 21 31 36 67 45 60 72
EBT margin, % 21.84 23.37 16.72 19.85 24.90 24.89 35.58 17.43 19.42 20.64
Net income 8 7 11 18 26 29 55 37 49 56
Depreciation 13 3 4 5 5 5 7 7 7 8
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
Earnings 1.85 1.67 1.48 2.09 3.11 2.71 3.44 2.29 2.90 2.57
Cash flow 5.17 2.81 1.55 0.92 1.67 6.10 3.77 3.21 3.02 3.68
Capex 0.05 (1.07) (1.21) (0.15) (0.28) (0.30) (0.24) (0.09) (0.38) (0.28)
Free cash flow 5.22 1.74 0.35 0.77 1.39 5.80 3.53 3.11 2.64 3.40
Book value 16.66 17.87 31.57 28.09 30.30 45.35 32.18 33.23 38.47 37.42
Shares, m 4 4 7 8 8 11 16 16 17 22
Valuation, ×
Valuation, × P/E 12.92 20.27 15.99 13.78 7.04 10.76 8.82 10.59 9.94 12.07
P/S 2.19 2.89 2.14 2.26 1.47 2.37 2.55 1.54 1.59 1.92
P/B 1.43 1.89 0.73 1.03 0.72 0.70 0.94 0.73 0.75 0.83
EV/Sales 1.65 3.02 2.60 1.53 0.01 (2.87) 2.55 1.58 1.58 1.71
EV/FCF 3.45 20.35 80.91 25.28 0.07 (6.62) 8.60 7.96 10.89 8.09
Cash, $m
Cash, $m Operating cash flow 22 12 11 8 14 66 60 52 51 80
Capex 0 (5) (9) (1) (2) (3) (4) (2) (6) (6)
Free cash flow 22 7 2 7 12 63 56 51 45 74
Balance, $m
Balance, $m Working capital (77) (127) (106) (6) 111 23 (306) (257) (193) (287)
Total debt 21 30 75 60 120 156 61 105 69 23
Net debt (25) 6 35 (79) (184) (758) 0 9 (1) (76)
Shareholders’ equity 70 76 223 238 256 490 512 542 655 814
Returns, %
Returns, % ROA 0.79 0.64 0.65 0.82 1.00 0.76 1.19 0.76 0.92 0.97
ROIC 14.15 9.39 4.24 8.43 29.37 0.00 8.23 5.68 5.80 7.16
ROE 11.11 9.70 7.02 7.68 10.62 7.86 10.94 7.09 8.26 7.66
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CAC Camden National Corporation $944.0M 10.7× 9.4× +1.16% (above 0%: growing) +63.86% (above 0%: growing) +557.83% (above 0%: growing) 72.13% 0.00% Compare
CPF CPB Inc. $929.5M 11.6× 10.8× +2.39% (above 0%: growing) +17.65% (above 0%: growing) +23.90% (above 0%: growing) 83.01% 0.00% Compare
TRST TrustCo Bank Corp NY $919.8M 15.0× 9.1× +6.20% (above 0%: growing) +24.05% (above 0%: growing) +2.59% (above 0%: growing) 69.96% 0.00% Compare
HAFC Hanmi Financial Corporation $917.4M 10.4× 9.6× +2.07% (above 0%: growing) +58.00% (above 0%: growing) +48.02% (above 0%: growing) 64.66% 0.00% Compare
NBBK NB Bancorp, Inc. $913.3M 14.4× 10.2× +39.49% (above 0%: growing) +35.90% (above 0%: growing) +19.91% (above 0%: growing) 63.66% 0.00% Compare
MPB Mid Penn Bancorp $911.3M 12.6× 11.6× +24.51% (above 0%: growing) +290.91% (above 0%: growing) −3.90% (below 0%: shrinking) 70.72% 0.00%
FCBC First Community Bancshares, Inc. $911.3M 15.3× 15.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00% Compare
SBSI Southside Bancshares, Inc. $909.2M 12.1× 9.8× +6.52% (above 0%: growing) +25.00% (above 0%: growing) +1,301.48% (above 0%: growing) 60.49% 0.00% Compare
FMNB Farmers National Banc Corp. $900.6M 10.4× 9.4× +43.94% (above 0%: growing) +5.41% (above 0%: growing) +114.21% (above 0%: growing) 70.09% 0.00% Compare
Median of peers $915.3M 11.9× 9.7× +6.36% +30.45% +65.41% 70.03% 0.00%

All 323 Banks Regional stocks →

Mid Penn Bancorp (MPB) key facts

  • Strength: Mid Penn Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $350.6 million, up 13.4% from fiscal 2024.
  • Strength: Net income was $56.2 million, or $2.57 per share (basic), a net margin of 16.0%.
  • Mid Penn Bancorp (MPB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, MPB traded at $36.04, a market capitalization of $911.3 million.
  • At that price the stock trades at 12.6× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 64% of its own readings over the past ten years.
  • Mid Penn Bancorp pays an annual dividend of $0.89 per share, a yield of 2.47%, with a payout ratio of 31.5%.
  • Return on equity was 7.66% and debt-to-equity 0.00.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Mid Penn Bancorp (MPB) Latest News

stockrow.com/MPB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com