Mid Penn Bancorp, Inc. (MPB) Key Metrics
MPB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $913.1M
- Enterprise value
- $981.6M
- P/E (TTM)
- 12.6 10-yr median 11.2
- Forward P/E
- 11.1
- PEG ratio
- 12.66
- Price / sales
- 3.5 10-yr median 2.2
- Price / book
- 1.0 10-yr median 0.7
- EV / EBITDA
- — 10-yr median 8.5
- Dividend yield
- 2.55% $0.92 a year
- Beta
- 0.48
MPB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsMPB valuation Price multiples at each fiscal year-end price.
MPB returns How much profit the business earns on the capital it uses.
MPB per-share figures Results divided by the shares outstanding at year-end.
MPB financial health Debt, liquidity and how easily interest is covered.
MPB efficiency & capital use Working capital cycle and where the cash goes.
MPB valuation history
MPB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
MPB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
MPB cash returned to shareholders
MPB price vs earnings per share
MPB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $718.1M | $492.3M | $397.0M | $477.6M | $343.4M | $184.9M | $244.6M | $163.3M | — | — |
| Enterprise value | $725.4M | $259.8M | $449.5M | $252.6M | $259.8M | $316.0M | $249.2M | $140.4M | — | — |
| P/E ratio | 12.8 | 10.0 | 10.6 | 8.7 | 11.7 | 7.1 | 13.8 | 15.4 | — | — |
| Price / sales | 2.2 | 1.6 | 1.7 | 2.6 | 2.4 | 1.5 | 2.3 | 2.1 | — | — |
| Price / book | 0.9 | 0.8 | 0.7 | 0.9 | 0.7 | 0.7 | 1.0 | 0.7 | — | — |
| Price / free cash flow | 10.0 | 11.1 | 8.0 | 8.6 | 5.5 | 17.8 | 62.0 | 80.6 | — | — |
| Price / operating cash flow | 9.0 | 9.6 | 7.6 | 8.0 | 5.2 | 13.1 | 31.2 | 14.9 | — | — |
| EV / sales | 2.2 | 0.8 | 1.9 | 1.3 | 1.8 | 2.6 | 2.3 | 1.8 | — | — |
| EV / EBITDA | 9.0 | 3.9 | 10.1 | 3.4 | 6.4 | 8.4 | 9.1 | 8.6 | — | — |
| EV / free cash flow | 10.1 | 5.8 | 9.1 | 4.5 | 4.2 | 30.4 | 63.1 | 69.3 | — | — |
| Earnings yield | 7.8% | 10.0% | 9.4% | 11.5% | 8.5% | 14.2% | 7.2% | 6.5% | — | — |
| Free cash flow yield | 10.0% | 9.0% | 12.5% | 11.7% | 18.2% | 5.6% | 1.6% | 1.2% | — | — |
| Dividend yield | 2.5% | 2.8% | 3.3% | 2.7% | 2.6% | 3.5% | 2.7% | 2.8% | — | — |
| Shareholder yield (dividends + buybacks) | 2.8% | 2.9% | 4.5% | 3.3% | 2.6% | 4.5% | 2.7% | 4.9% | — | — |
| Share price at fiscal year-end | $31.02 | $28.84 | $24.28 | $29.97 | $31.74 | $21.90 | $28.80 | $23.02 | $33.10 | $23.83 |
| Per share | ||||||||||
| Revenue per share | $14.12 | $17.97 | $14.45 | $11.75 | $13.29 | $14.53 | $12.71 | $10.73 | — | — |
| Earnings per share | $2.43 | $2.90 | $2.29 | $3.44 | $2.71 | $3.10 | $2.08 | $1.49 | — | — |
| Operating cash flow per share | $3.46 | $3.01 | $3.20 | $3.76 | $6.09 | $1.67 | $0.92 | $1.55 | — | — |
| Free cash flow per share | $3.10 | $2.61 | $3.03 | $3.50 | $5.77 | $1.23 | $0.46 | $0.29 | — | — |
| Cash per share | $2.25 | $18.27 | $18.57 | $18.58 | $23.15 | $4.63 | $8.00 | $19.89 | — | — |
| Book value per share | $35.16 | $38.37 | $33.17 | $32.14 | $45.29 | $30.28 | $28.01 | $31.47 | — | — |
| Tangible book value per share | $28.63 | $30.50 | $25.00 | $24.51 | $33.90 | $22.32 | $19.93 | $21.59 | — | — |
| Dividends per share | $0.78 | $0.81 | $0.79 | $0.80 | $0.82 | $0.77 | $0.79 | $0.65 | — | — |
| Capex per share | $0.36 | $0.41 | $0.17 | $0.27 | $0.32 | $0.44 | $0.46 | $1.26 | — | — |
| Debt per share | $2.56 | $4.65 | $21.78 | $4.46 | $15.43 | $20.16 | $8.54 | $16.67 | — | — |
| Shares outstanding | 23.2M | 17.1M | 16.4M | 15.9M | 10.8M | 8.4M | 8.5M | 7.1M | — | — |
| Change in shares outstanding | +35.6% | +4.4% | +2.6% | +47.3% | +28.2% | −0.6% | +19.7% | — | — | — |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 7.7% | 8.3% | 7.1% | 10.9% | 7.9% | 10.6% | 7.7% | 7.1% | 9.7% | 11.1% |
| Return on invested capital (ROIC) | 9.0% | 9.7% | 8.5% | 15.8% | 7.4% | 8.3% | 8.0% | 9.5% | — | — |
| Return on assets (ROA) | 1.0% | 0.9% | 0.8% | 1.2% | 0.8% | 1.0% | 0.8% | 0.7% | 0.6% | 0.8% |
| Return on tangible assets | 0.9% | 0.9% | 0.7% | 1.3% | 0.6% | 0.9% | 0.8% | 0.5% | 0.6% | 0.8% |
| Free cash flow margin | 22.0% | 14.5% | 21.0% | 29.8% | 43.4% | 8.5% | 3.7% | 2.7% | 10.1% | 45.9% |
| Income quality (OCF / net income) | 1.42 | 1.04 | 1.40 | 1.09 | 2.25 | 0.54 | 0.44 | 1.04 | 1.68 | 2.80 |
| Financial health | ||||||||||
| Total debt | $59.4M | $79.4M | $356.2M | $71.1M | $166.9M | $170.2M | $72.5M | $118.2M | $64.3M | $21.0M |
| Cash & short-term investments | $52.1M | $312.0M | $303.7M | $296.1M | $250.5M | $39.1M | $67.9M | $141.1M | $116.3M | $149.1M |
| Net debt | $7.2M | −$232.5M | $52.5M | −$225.0M | −$83.6M | $131.1M | $4.6M | −$22.9M | −$52.0M | −$128.1M |
| Debt / equity | 0.07 | 0.12 | 0.66 | 0.14 | 0.34 | 0.67 | 0.30 | 0.53 | 0.85 | 0.30 |
| Debt / assets | 0.01 | 0.01 | 0.07 | 0.02 | 0.04 | 0.06 | 0.03 | 0.06 | 0.05 | 0.02 |
| Net debt / EBITDA | 0.09 | −3.48 | 1.17 | −3.05 | −2.05 | 3.47 | 0.17 | −1.40 | −3.95 | −10.80 |
| Current ratio | 0.02 | 0.07 | 0.07 | 0.08 | 0.07 | 25.94 | 0.04 | 0.08 | 0.11 | 0.16 |
| Quick ratio | 0.02 | 0.07 | 0.07 | 0.10 | 0.30 | 183.80 | 0.12 | 0.11 | 0.14 | 0.22 |
| Interest coverage | 0.6 | 0.5 | 0.5 | 3.8 | 2.4 | 1.6 | 0.9 | 1.0 | 1.8 | 1.9 |
| Working capital | −$5.16B | −$4.37B | −$4.27B | −$3.47B | −$3.74B | $50.1M | −$1.84B | −$1.62B | −$938.0M | −$782.8M |
| Invested capital | $821.3M | $422.5M | $594.9M | $287.1M | $406.5M | $386.8M | $242.5M | $200.3M | $23.7M | −$57.7M |
| Tangible asset value | $662.8M | $520.6M | $408.8M | $390.6M | $366.8M | $188.5M | $169.3M | $153.1M | $71.4M | $66.0M |
| Net current asset value | −$5.24B | −$4.48B | −$4.42B | −$3.67B | −$3.94B | −$2.69B | −$1.92B | −$1.71B | −$973.8M | −$809.1M |
| Graham number | $43.84 | $50.00 | $41.31 | $49.87 | $52.55 | $45.99 | $36.25 | $32.53 | — | — |
| Graham net-net per share | −$226.57 | −$262.66 | −$270.05 | −$233.22 | −$407.10 | −$337.89 | −$234.69 | −$244.24 | — | — |
| Capital allocation | ||||||||||
| Dividends paid | $18.2M | $13.8M | $13.0M | $12.7M | $8.9M | $6.5M | $6.7M | $4.6M | $2.2M | $2.5M |
| Share buybacks (net) | $2.2M | $323,000 | $4.9M | $3.0M | $128,000 | $1.8M | $0 | $3.4M | $0 | $0 |
| Dividend payout ratio | 32.3% | 28.0% | 34.7% | 23.2% | 30.3% | 24.8% | 37.8% | 43.6% | 31.1% | 31.4% |
| Dividends + buybacks / free cash flow | 28.4% | 31.8% | 36.0% | 28.2% | 14.4% | 79.9% | 169.5% | 396.0% | 43.9% | 11.6% |
| Capex / revenue | 2.5% | 2.3% | 1.2% | 2.3% | 2.4% | 3.0% | 3.6% | 11.8% | 13.9% | 1.7% |
| Capex / operating cash flow | 10.3% | 13.5% | 5.3% | 7.1% | 5.3% | 26.2% | 49.6% | 81.6% | 57.8% | 3.5% |
| Capex / depreciation | 1.02 | 1.01 | 0.40 | 0.52 | 0.55 | 0.57 | 0.64 | 2.48 | 4.38 | 0.43 |
| Stock-based compensation / revenue | 0.6% | 0.3% | 0.5% | 0.6% | 0.5% | 0.3% | 0.3% | 0.4% | 0.3% | 0.1% |
| SG&A / revenue | 28.4% | 22.3% | 1.2% | 28.9% | 30.3% | 32.6% | 35.7% | 39.3% | 42.8% | 41.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 31.5 | 31.3 | 34.2 | 29.0 | 30.8 | 31.1 | 27.4 | 30.7 | 31.3 | 30.8 |
| Days of inventory on hand | — | — | -120.2 | -8,349.8 | -12,846.0 | -3,539.2 | -1,350.6 | -1,113.0 | -2,296.7 | -1,284.7 |
| Days payables outstanding | 7,574.2 | 38.3 | 32.6 | 33.9 | 39.2 | 32.1 | 30.7 | 40.1 | 31.9 | 22.8 |
| Cash conversion cycle (days) | -7,542.7 | -7.0 | -118.6 | -8,354.7 | -12,854.3 | -3,540.3 | -1,353.9 | -1,122.4 | -2,297.3 | -1,276.7 |
| Receivables turnover | 11.58 | 11.65 | 10.69 | 12.60 | 11.84 | 11.72 | 13.32 | 11.89 | 11.66 | 11.87 |
| Payables turnover | 0.05 | 9.52 | 11.19 | 10.78 | 9.32 | 11.35 | 11.88 | 9.10 | 11.43 | 15.99 |
| Asset turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 |
| Average receivables | $28.2M | $26.3M | $22.1M | $14.9M | $12.1M | $10.5M | $8.1M | $6.4M | $4.2M | $3.9M |
| Average payables | $2.61B | $13.9M | $8.3M | $2.0M | $1.9M | $2.1M | $2.2M | $1.5M | $580,000 | $452,500 |
| Average inventory | — | — | −$30.5M | −$504.8M | −$622.9M | −$232.0M | −$98.3M | −$40.3M | −$41.7M | −$25.5M |
| Intangibles / total assets | 2.5% | 2.5% | 2.5% | 2.7% | 2.6% | 2.2% | 3.1% | 3.4% | 0.4% | 0.4% |
Computed from MPB's annual financial statements (latest annual report filed March 12, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
MPB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Mid Penn Bancorp traded at 12.8 times earnings, against a 10-year median of 11.2. Based on the latest twelve months, the trailing P/E is 12.6 and the forward P/E is 11.1. Mid Penn Bancorp earned a return on equity of 7.7% and a return on invested capital of 9.0% in fiscal 2025. It ended the year with $59.4 million of debt and $52.1 million in cash and short-term investments, net debt of $7.2 million. It returned $20.4 million to shareholders: $18.2 million in dividends and $2.2 million in share buybacks, 28% of free cash flow.
See the MPB income statement, the MPB chart for price history, or the MPB stock overview for the latest quote and news.
MPB key metrics FAQ
What is Mid Penn Bancorp's P/E ratio?
Mid Penn Bancorp's trailing P/E ratio is 12.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 11.1. At the end of fiscal 2025 it was 12.8, compared with a 10-year median of 11.2.
What is Mid Penn Bancorp's EV/EBITDA?
Mid Penn Bancorp's enterprise value was 9.0 times EBITDA at the end of fiscal 2025 (enterprise value $725.4 million, EBITDA $80.5 million).
What is Mid Penn Bancorp's return on equity?
Mid Penn Bancorp's return on equity (ROE) was 7.7% in fiscal 2025: net income of $56.2 million on average shareholders' equity of $734.5 million.
What is Mid Penn Bancorp's ROIC?
Mid Penn Bancorp's return on invested capital was 9.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Mid Penn Bancorp have?
Mid Penn Bancorp had total debt of $59.4 million at the end of fiscal 2025, a debt-to-equity ratio of 0.07 and $7.2 million of net debt (0.09 times EBITDA).
What is Mid Penn Bancorp's dividend yield?
Mid Penn Bancorp's forward dividend yield is 2.55%. Mid Penn Bancorp paid $18.2 million in dividends in fiscal 2025 ($0.78 per share), a payout ratio of 32.3%.
Does Mid Penn Bancorp buy back its shares?
Yes. Mid Penn Bancorp spent $2.2 million on net share repurchases in fiscal 2025 Shares outstanding changed +35.6% over the year, to 23.2M..
What is Mid Penn Bancorp's free cash flow yield?
Mid Penn Bancorp generated $71.8 million of free cash flow in fiscal 2025, a free cash flow yield of 10.0% on its market value at year-end ($718.1 million).
What is Mid Penn Bancorp's current ratio?
Mid Penn Bancorp's current ratio was 0.02 at the end of fiscal 2025: current assets were 0.02 times current liabilities.