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Mid Penn Bancorp (MPB) vs SmartFinancial, Inc. (SMBK)

Mid Penn Bancorp and SmartFinancial, Inc. are both Banks Regional companies. Mid Penn Bancorp and SmartFinancial, Inc. are of similar size ($869.3M and $819.7M). Mid Penn Bancorp trades at the lower P/E: 11.8× against 14.1×. Mid Penn Bancorp grew revenue faster over the last twelve months: 18.7% against 11.1%. Mid Penn Bancorp has the higher net margin (17.8% vs 17.1%) and the lower return on invested capital (0.00% vs 15.2%). Both pay a dividend; Mid Penn Bancorp yields more (3.26% vs 0.70%). Across the 19 metrics below, Mid Penn Bancorp leads on 15 and SmartFinancial, Inc. on 4.

Valuation

Metric MPB SMBK Banks Regional median
P/E 11.81 14.11 12.02
P/S 2.17 2.42 2.36
P/B 0.96 1.41 1.23
Price to free cash flow 11.45 12.03 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.47% 7.09% 8.21%
Free cash flow yield 8.73% 8.31% 9.23%

Profitability

Metric MPB SMBK Banks Regional median
Gross margin 69.21% 63.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.83% 17.12% 18.82%
Free cash flow margin 0.00% 20.12% 17.97%
Return on equity 8.41% 10.47% 10.28%
Return on assets 1.07% 0.99% 1.13%
Return on invested capital 0.00% 15.22% 8.45%

Growth

Metric MPB SMBK Banks Regional median
Revenue growth (TTM) 18.71% 11.14% 6.37%
EPS growth (last fiscal year) (12.07%) 39.25% 18.85%
Revenue growth, 5-year CAGR 22.74% 19.21% 12.65%
Net income growth, 5-year CAGR 16.50% 15.65% 9.81%

Health

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

Dividend

Metric MPB SMBK Banks Regional median
Dividend yield 3.26% 0.70% 2.49%
Payout ratio 0.39 0.10 0.29

Size

Metric MPB SMBK Banks Regional median
Market cap 869.25m 819.74m 934.85m

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