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Mid Penn Bancorp (MPB) vs River City Bank (RCBC)

Mid Penn Bancorp and River City Bank are both Banks Regional companies. Mid Penn Bancorp and River City Bank are of similar size ($869.3M and $828.4M). Across the 4 metrics below, Mid Penn Bancorp leads on 3 and River City Bank on 1.

Valuation

Metric MPB RCBC Banks Regional median
P/E 11.81 — 12.02
P/S 2.17 n/m 2.36
P/B 0.96 1.53 1.23
Price to free cash flow 11.45 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — n/m —
Earnings yield 8.47% — 8.21%
Free cash flow yield 8.73% 0.00% 9.23%

Profitability

Metric MPB RCBC Banks Regional median
Gross margin 69.21% — 69.81%
Operating margin 0.00% — 0.00%
Net margin 17.83% — 18.82%
Free cash flow margin 0.00% — 17.97%
Return on equity 8.41% — 10.28%
Return on assets 1.07% — 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric MPB RCBC Banks Regional median
Revenue growth (TTM) 18.71% — 6.37%
EPS growth (last fiscal year) (12.07%) (5.98%) 18.85%
Revenue growth, 5-year CAGR 22.74% — 12.65%
Net income growth, 5-year CAGR 16.50% — 9.81%

Health

Metric MPB RCBC Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.94 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MPB RCBC Banks Regional median
Dividend yield 3.26% — 2.49%
Payout ratio 0.39 — 0.29

Size

Metric MPB RCBC Banks Regional median
Market cap 869.25m 828.41m 934.85m

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