MPB
MID PENN BANCORP INC
Next earnings Jul 21, 2026 · consensus $0.85 EPS, $74.0M rev
Last earnings -2.8% on 2026-04-21
$34.64
▲ +1.41%$34.64▲ +28.75%
over 1Y
L $25.96EODHDH $34.64
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.4%
1W+3.7%
1M+6.0%
3M+11.2%
YTD+13.7%
1Y+28.7%
Hold
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 6 analysts
Buy
Cheap community bank growing via M&A — solid earnings, but EPS dilution and CRE concentration cap the upside.
Net income $56.2M · FY2025
The read
Middling fundamentals offset by an attractive price (~93% below fair value) — worth a look on the value angle.
Mid Penn is a small Pennsylvania community bank trading at a modest 13.5x trailing EPS, with FY2025 net income of $56.2M (+13.8% YoY) on a $6.13B asset base (+12.1%). Stockholders' equity jumped 24.3% to $814M and retained earnings rose 21% to $220M, signaling real capital build. Operating cash flow of $80M (+55.7%) comfortably covers $18.2M of dividends and $8.2M of capex, and the dividend payout itself is modest relative to earnings. At ~13.5x P/E for a profitable, growing community bank, the valuation is undemanding but not screamingly cheap given the 6.9% ROE — well below what investors typically demand from a quality bank franchise (10%+).
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $29.3M | $54.8M | $37.4M | $49.4M | $56.2M |
| Diluted EPS | $2.71 | $3.44 | $2.29 | $2.90 | $2.55 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF11.2
PEG (trailing)0.99
Earnings yield7.0%
FCF yield8.9%
Quality & risk
ROIC (est.)—
Free cash flow$71.8M
Total debt$20.8M
Net cash-$7.55M
Capital returns
Buyback yield0.3%
Dividend yield (est.)2.3%
Shareholder yield2.5%
Shares Δ YoY+19.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Shareholder vote2026-05-12
Reg FD: posted investor presentation/materials.
- 8-K Reg FD disclosure2026-05-12
Reg FD: posted investor presentation/materials.
- 10-Q Quarterly report2026-05-07
Q1 2026 10-Q; first full quarter on the post-merger balance sheet.
- 8-K Earnings results2026-04-21
Q1 2026 earnings released; first results reflect post-merger scale.
- DEF 14A Proxy statement2026-03-27
2026 proxy: routine board/comp items for shareholder vote.
- 10-K Annual report2026-03-12
FY25: NI +14% to $56M but EPS -12% on +20% share count from merger.
- 8-K Officer / director change2026-03-02
Closed acquisition + officer change; drove +12% assets, share dilution.
- 8-K Other event2026-02-11
Other event disclosure—likely merger-closing or financing update.
- 8-K Other event2026-02-06
Other event disclosure—likely dividend declaration or merger update.
Recent filings
all on EDGAR ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-05-152026-05-18open ↗SCHEDULE 13G/AFiling2026-05-15open ↗8-KPeriod ending 2026-05-122026-05-12open ↗8-KPeriod ending 2026-05-122026-05-12open ↗10-QPeriod ending 2026-03-312026-05-07open ↗4Period ending 2026-05-042026-05-05open ↗SCHEDULE 13D/AFiling2026-05-01open ↗SCHEDULE 13G/AFiling2026-04-27open ↗8-KPeriod ending 2026-04-212026-04-21open ↗4Period ending 2026-04-012026-04-03open ↗4Period ending 2026-04-012026-04-03open ↗
Frequently asked
- Is MID PENN BANCORP INC (MPB) a buy?
- MPB currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Cheap community bank growing via M&A — solid earnings, but EPS dilution and CRE concentration cap the upside.
- What is MPB's fair value?
- A Modified-Graham model based on MPB's SEC fundamentals estimates a fair value of about $66.94. It is an estimate from reported earnings, not a price target.
- Is MPB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, MPB currently appears undervalued relative to its SEC-grounded earnings power.
- What is MID PENN BANCORP INC's quality score?
- MPB scores 74.29411764705883/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000879635, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/25/2026, 2:47:36 PM.
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