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Mid Penn Bancorp (MPB) vs First Financial Corporation Indiana (THFF)

Mid Penn Bancorp and First Financial Corporation Indiana are both Banks Regional companies. Mid Penn Bancorp and First Financial Corporation Indiana are of similar size ($911.3M and $876.8M). First Financial Corporation Indiana trades at the lower P/E: 10.4× against 12.6×. Mid Penn Bancorp grew revenue faster over the last twelve months: 20.7% against 8.15%. First Financial Corporation Indiana has the higher net margin (23.3% vs 17.6%) and the lower return on invested capital (7.53% vs 7.59%). Both pay a dividend; First Financial Corporation Indiana yields more (3.02% vs 2.47%). Across the 19 metrics below, First Financial Corporation Indiana leads on 11 and Mid Penn Bancorp on 8.

Valuation

Metric MPB THFF Banks Regional median
P/E 12.60 10.38 11.98
P/S 2.35 2.42 2.34
P/B 1.01 1.30 1.19
Price to free cash flow 12.01 9.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.94% 9.64% 8.23%
Free cash flow yield 8.33% 10.55% 9.08%

Profitability

Metric MPB THFF Banks Regional median
Gross margin 68.14% 76.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.55% 23.32% 18.66%
Free cash flow margin 19.58% 25.60% 21.11%
Return on equity 8.12% 13.42% 10.65%
Return on assets 1.02% 1.44% 1.13%
Return on invested capital 7.59% 7.53% 8.35%

Growth

Metric MPB THFF Banks Regional median
Revenue growth (TTM) 20.72% 8.15% 6.98%
EPS growth (last fiscal year) (12.07%) 67.00% 18.88%
Revenue growth, 5-year CAGR 22.74% 11.36% 12.38%
Net income growth, 5-year CAGR 16.50% 8.03% 9.71%

Health

Metric MPB THFF Banks Regional median
Debt to equity 0.00 0.43 0.22
Current ratio 0.94 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MPB THFF Banks Regional median
Dividend yield 2.47% 3.02% 2.57%
Payout ratio 0.31 0.31 0.30

Size

Metric MPB THFF Banks Regional median
Market cap 911.31m 876.79m 913.33m

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