Mid Penn Financials

MPB Stock  USD 30.12  0.74  2.40%   
Based on the analysis of Mid Penn's profitability, liquidity, and operating efficiency, Mid Penn Bancorp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March. At present, Mid Penn's Common Stock Shares Outstanding is projected to increase significantly based on the last few years of reporting. The current year's Total Assets is expected to grow to about 6.4 B, whereas Other Assets are forecasted to decline to about 320.1 K. Key indicators impacting Mid Penn's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.40.26
Way Up
Slightly volatile
Return On Assets0.01020.0081
Significantly Up
Very volatile
Return On Equity0.110.0793
Significantly Up
Slightly volatile
Debt Equity Ratio1.070.76
Significantly Up
Pretty Stable
Operating Income54 M51.4 M
Sufficiently Up
Slightly volatile
Current Ratio0.02770.0292
Notably Down
Slightly volatile
The financial analysis of Mid Penn is a critical element in measuring its lifeblood. Investors should not minimize Mid Penn's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

45.16 Million

  
Please note, the presentation of Mid Penn's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Mid Penn's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Mid Penn's management manipulating its earnings.

Mid Penn Stock Summary

Mid Penn competes with Affinity Bancshares, Home Federal, Franklin Financial, ACNB, and LINKBANCORP. Mid Penn Bancorp, Inc. operates as the bank holding company for Mid Penn Bank that provides commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company was founded in 1868 and is headquartered in Harrisburg, Pennsylvania. Mid Penn operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 573 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS59540G1076
CUSIP59540G107
LocationPennsylvania; U.S.A
Business Address2407 Park Drive,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.midpennbank.com
Phone866 642 7736
CurrencyUSD - US Dollar

Mid Penn Key Financial Ratios

Mid Penn Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets3.0B4.7B4.5B5.3B6.1B6.4B
Net Debt98.1M(20.2M)115.9M276.1M317.5M333.3M
Retained Earnings70.2M91.0M133.1M146.0M167.9M176.3M
Accounts Payable2.0M1.8M2.3M14.3M16.4M17.2M
Other Assets2.7B3.9B3.4B293K337.0K320.1K
Total Liab2.7B4.2B4.0B4.7B5.5B5.7B
Short Term Debt125.6M72.6M105.3M241.5M277.8M291.6M
Common Stock8.5M16.1M16.1M17.0M19.5M20.5M
Cash32.8M187.1M57.8M45.4M40.9M38.7M
Net Receivables13.0M11.3M18.4M25.8M29.7M31.2M
Total Current Assets52.1M261.8M314.5M122.6M141.0M114.6M
Other Liab6.2M10.2M42.4M31.5M36.2M38.0M
Long Term Debt119.7M152.2M61.4M102.2M117.5M123.4M
Inventory(316.8M)(929.0M)(80.6M)19.6M17.7M18.5M
Other Current Liab(2.0M)69.1M(107.6M)3.5B4.1B4.3B
Other Current Assets316.8M929.0M80.6M122.9M110.6M105.1M
Intangible Assets4.4M9.4M7.3M6.5M7.5M7.8M
Net Tangible Assets169.3M188.5M366.8M390.6M449.2M471.7M
Capital Surpluse178.2M178.9M384.7M387.0M445.0M467.3M

Mid Penn Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense19.7M14.8M17.8M89.4M102.8M107.9M
Total Revenue103.8M127.6M169.3M236.3M271.8M285.4M
Gross Profit103.8M127.6M169.3M236.3M271.8M285.4M
Operating Income31.3M36.1M91.3M44.7M51.4M54.0M
Ebit31.3M34.4M67.3M44.7M51.4M54.0M
Ebitda37.8M40.7M73.8M44.7M51.4M54.0M
Income Before Tax31.3M36.1M67.3M44.7M51.4M54.0M
Net Income26.2M29.3M54.8M37.4M43.0M45.2M
Income Tax Expense5.1M6.7M12.5M7.3M8.4M8.8M
Tax Provision5.1M6.7M12.5M8.6M9.9M5.8M
Net Interest Income88.2M108.6M147.8M148.6M170.8M88.4M
Interest Income107.9M123.3M165.6M217.0M249.5M262.0M

Mid Penn Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash164.7M610.0M(852.9M)35.9M32.3M33.9M
Free Cash Flow10.4M62.4M55.7M49.2M56.5M59.4M
Depreciation6.5M6.4M8.2M6.9M7.9M8.3M
Other Non Cash Items(12.3M)18.4M14.1M1.3M1.5M1.6M
Dividends Paid6.5M8.9M12.7M13.0M14.9M15.7M
Capital Expenditures3.7M3.5M4.2M2.8M3.2M2.1M
Net Income26.2M29.3M54.8M37.4M43.0M45.2M
End Period Cash Flow303.7M913.8M60.9M96.8M111.3M67.3M
Investments(588.9M)(142.7M)(681.4M)(518.7M)(466.9M)(443.5M)
Change Receivables280K(5.0M)3.6M(7.1M)(6.4M)(6.1M)
Net Borrowings(61.8M)185.3M(132.7M)9.1M8.2M8.6M
Change To Netincome(4.2M)(13.2M)18.0M17.8M20.4M21.4M

Mid Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Mid Penn's current stock value. Our valuation model uses many indicators to compare Mid Penn value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Mid Penn competition to find correlations between indicators driving Mid Penn's intrinsic value. More Info.
Mid Penn Bancorp is rated below average in return on equity category among its peers. It is regarded fifth in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Mid Penn Bancorp is roughly  9.74 . At present, Mid Penn's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Mid Penn's earnings, one of the primary drivers of an investment's value.

Mid Penn Bancorp Systematic Risk

Mid Penn's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Mid Penn volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on Mid Penn Bancorp correlated with the market. If Beta is less than 0 Mid Penn generally moves in the opposite direction as compared to the market. If Mid Penn Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Mid Penn Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Mid Penn is generally in the same direction as the market. If Beta > 1 Mid Penn moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Mid Penn Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Mid Penn's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Mid Penn growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.35)

At present, Mid Penn's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Mid Penn February 1, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Mid Penn help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Mid Penn Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Mid Penn Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Mid Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Mid Penn's daily price indicators and compare them against related drivers.

Complementary Tools for Mid Stock analysis

When running Mid Penn's price analysis, check to measure Mid Penn's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Mid Penn is operating at the current time. Most of Mid Penn's value examination focuses on studying past and present price action to predict the probability of Mid Penn's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Mid Penn's price. Additionally, you may evaluate how the addition of Mid Penn to your portfolios can decrease your overall portfolio volatility.
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