Mid Penn Bancorp, Inc. (MPB) AI Stock Analysis

Mid Penn Bancorp, Inc. serves as the bank holding company for Mid Penn Bank, a commercial banking institution founded in 1868 and headquartered in Harrisburg, Pennsylvania. The company provides a comprehensive range of retail and commercial banking products to individuals, partnerships, non-profit organizations, and corporations. Its deposit offerings include checking, savings, money market accounts, certificates of deposit, and IRAs. Loan products include residential mortgages, home equity loans, commercial and consumer loans, lines of credit, construction loans, farm financing, community development loans, and public entity financing. It also provides cash management, online and telephone banking, automated teller services, and safe deposit boxes.

Revenue increased from $143.8M in FY2021 to $326.9M in FY2025, reflecting a 5-year CAGR of 21.7%, though annual revenue growth slowed to 6.6% in FY2025. Over the same span, net income rose from $29.3M to $56.2M, while EPS moved from $3.35 to $3.02. Gross margin was 61.5% in FY2025, down from 100.0% in FY2023, while operating margin expanded to 22.1%. Over the trailing twelve months ended June 30, 2026, revenue totaled $263.5M with an operating margin of 40.0% and a net profit margin of 25.9%. For the quarter ended June 30, 2026, revenue increased 44.7% year-over-year, and earnings grew 286.4%.

As of June 30, 2026, Mid Penn Bancorp held $964.6M in cash and short-term investments against $156.7M in total debt, resulting in net cash of $807.9M. Shareholders' equity was $901.9M on total assets of $7.06B, with a debt-to-equity ratio of 0.17 and a current ratio of 0.17. In FY2025, operating cash flow reached $80.0M and free cash flow was $71.8M. Capital allocation in FY2025 included $8.2M in capital expenditures, $2.2M in share buybacks, and $18.2M paid in dividends.

Mid Penn Bancorp trades at a trailing P/E of 12.6x and a forward P/E of 11.1x, slightly above the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales ratio is 3.5x compared to the peer median of 3.2x, while price-to-book sits at 1.0x. Over the past year, the stock returned 38.4%, outperforming the S&P 500 return of 16.8%. Over five years, the stock gained 48.5%, trailing the S&P 500 return of 83.0%.

Mid Penn Bancorp pays a quarterly dividend with a forward annual rate of $0.92 per share, representing a 2.55% dividend yield. The company has paid dividends for 16 consecutive years, generating a 5-year annualized dividend growth rate of 2.6%. Its payout ratio stands at 28.6%, and the most recent ex-dividend date was August 3, 2026.

Wall Street coverage consists of 1 Strong Buy and 3 Buy ratings, with zero Hold, Sell, or Strong Sell ratings. The mean price target of $41.00 implies an upside of 13.8% from the October 16, 2026 closing price of $36.04. Consensus estimates project FY2026 EPS of $3.31 on revenue of $297.5M, followed by FY2027 EPS of $3.86 on revenue of $325.7M. The bank has beaten earnings estimates in 2 of the trailing 4 quarters, with the next earnings release scheduled for October 28, 2026.

This page is an AI-written research summary of Mid Penn Bancorp, Inc. (MPB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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