Mid Penn Bancorp Stock Analysis

MPB Stock  USD 34.39  0.22  0.64%   
Below is the normalized historical share price chart for Mid Penn Bancorp extending back to August 23, 1995. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of Mid Penn stands at 34.39, as last reported on the 9th of February, with the highest price reaching 34.96 and the lowest price hitting 34.35 during the day.
IPO Date
4th of December 1997
200 Day MA
29.311
50 Day MA
31.7382
Beta
0.54
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Mid Penn Bancorp has over 59.38 Million in debt which may indicate that it relies heavily on debt financing. At present, Mid Penn's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Net Debt is expected to grow to about 21.4 M, whereas Long Term Debt is forecasted to decline to about 49.5 M. With a high degree of financial leverage come high-interest payments, which usually reduce Mid Penn's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

Mid Penn's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Mid Penn's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Mid Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Mid Penn's stakeholders.
For many companies, including Mid Penn, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Mid Penn Bancorp, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Mid Penn's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
0.9851
Price Sales
3.8392
Shares Float
20 M
Dividend Share
0.82
Wall Street Target Price
36.5
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 Stockholder Equity is expected to grow to about 854.8 M, whereas Treasury Stock is projected to grow to (4.2 M). . At present, Mid Penn's Price To Sales Ratio is projected to increase slightly based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 14.04, whereas Price Earnings To Growth Ratio is projected to grow to (1.07).
Mid Penn Bancorp is undervalued with Real Value of 37.76 and Target Price of 36.5. The main objective of Mid Penn stock analysis is to determine its intrinsic value, which is an estimate of what Mid Penn Bancorp is worth, separate from its market price. There are two main types of Mid Penn's stock analysis: fundamental analysis and technical analysis.
The Mid Penn stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Mid Penn's ongoing operational relationships across important fundamental and technical indicators.
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Mid Penn Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons.

Mid Stock Analysis Notes

About 17.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.99. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Mid Penn Bancorp last dividend was issued on the 6th of February 2026. The entity had 105:100 split on the 7th of May 2007. 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. To find out more about Mid Penn Bancorp contact Rory Ritrievi at 866 642 7736 or learn more at https://www.midpennbank.com.

Mid Penn Quarterly Total Revenue

92.42 Million

Mid Penn Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Mid Penn's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Mid Penn Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Mid Penn Bancorp is unlikely to experience financial distress in the next 2 years
About 17.0% of the company outstanding shares are owned by corporate insiders
Latest headline from seekingalpha.com: Mid Penn Bancorp, 1st Colonial Bancorp receive regulatory approvals for merger

Mid Largest EPS Surprises

Earnings surprises can significantly impact Mid Penn's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2020-04-27
2020-03-310.390.450.0615 
2011-07-27
2011-06-300.210.270.0628 
2011-04-29
2011-03-310.190.250.0631 
View All Earnings Estimates

Mid Penn Environmental, Social, and Governance (ESG) Scores

Mid Penn's ESG score is a quantitative measure that evaluates Mid Penn's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Mid Penn's operations that may have significant financial implications and affect Mid Penn's stock price as well as guide investors towards more socially responsible investments.

Mid Stock Institutional Investors

Shares
Petiole Usa Ltd2025-06-30
197.1 K
Northern Trust Corp2025-06-30
165.5 K
Emerald Mutual Fund Advisers Trust2025-06-30
157.5 K
Royce & Associates, Lp2025-06-30
133.8 K
Lsv Asset Management2025-06-30
132.7 K
Deprince Race & Zollo Inc2025-06-30
128.5 K
Hotchkis & Wiley Capital Management Llc2025-06-30
121.8 K
Acadian Asset Management Llc2025-06-30
113 K
Kennedy Capital Management Inc2025-06-30
96.3 K
Wellington Management Company Llp2025-06-30
1.8 M
Blackrock Inc2025-06-30
1.5 M
Note, although Mid Penn's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Mid Market Capitalization

The company currently falls under 'Small-Cap' category with a total capitalization of 801.89 M.

Mid Profitablity

The company has Net Profit Margin of 0.24 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.47 %, which entails that for every 100 dollars of revenue, it generated $0.47 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.08  0.08 
Return On Assets 0.01  0.01 
Return On Equity 0.07  0.11 

Management Efficiency

At present, Mid Penn's Return On Tangible Assets are projected to increase slightly based on the last few years of reporting. The current year's Return On Assets is expected to grow to 0.01, whereas Return On Capital Employed is forecasted to decline to 0.08. At present, Mid Penn's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 4.9 B, whereas Other Assets are forecasted to decline to about 221.3 M. Mid Penn's management efficiency ratios could be used to measure how well Mid Penn manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 35.16  36.92 
Tangible Book Value Per Share 28.63  30.06 
Enterprise Value Over EBITDA 10.10  6.99 
Price Book Value Ratio 0.88  1.56 
Enterprise Value Multiple 10.10  6.99 
Price Fair Value 0.88  1.56 
Enterprise Value657.7 M690.6 M
Effective leadership at Mid Penn drives its competitive edge in the market. Our analysis focuses on how this translates to financial performance and stock value.
Dividend Yield
0.0239
Operating Margin
0.4688
Profit Margin
0.2395
Forward Dividend Yield
0.0243
Beta
0.54

Technical Drivers

As of the 9th of February, Mid Penn secures the Downside Deviation of 1.53, risk adjusted performance of 0.1585, and Mean Deviation of 1.24. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Mid Penn Bancorp, as well as the relationship between them.

Mid Penn Bancorp Price Movement Analysis

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Mid Penn Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Mid Penn insiders, such as employees or executives, is commonly permitted as long as it does not rely on Mid Penn's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Mid Penn insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Mid Penn Outstanding Bonds

Mid Penn issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Mid Penn Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Mid bonds can be classified according to their maturity, which is the date when Mid Penn Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Mid Penn Predictive Daily Indicators

Mid Penn intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Mid Penn stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Mid Penn Corporate Filings

8K
6th of February 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
22nd of January 2026
An amendment to a previously filed Form 8-K
ViewVerify
8K
21st of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F3
13th of January 2026
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
8K
8th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
6th of January 2026
Other Reports
ViewVerify
8K
5th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
2nd of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

Mid Penn Forecast Models

Mid Penn's time-series forecasting models are one of many Mid Penn's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Mid Penn's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Mid Penn Bond Ratings

Mid Penn Bancorp financial ratings play a critical role in determining how much Mid Penn have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Mid Penn's borrowing costs.
Piotroski F Score
5
HealthyView
Beneish M Score
(2.53)
Unlikely ManipulatorView

Mid Penn Bancorp Debt to Cash Allocation

As Mid Penn Bancorp follows its natural business cycle, the capital allocation decisions will not magically go away. Mid Penn's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
Mid Penn Bancorp has 59.38 M in debt with debt to equity (D/E) ratio of 12.3, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Nevertheless, prudent borrowing could serve as an effective mechanism for Mid to finance growth opportunities yielding strong returns.

Mid Penn Common Stock Shares Outstanding Over Time

Mid Penn Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Mid Penn uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Mid Penn Debt Ratio

    
  0.92   
It appears most of the Mid Penn's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Mid Penn's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Mid Penn, which in turn will lower the firm's financial flexibility.

Mid Penn Corporate Bonds Issued

Most Mid bonds can be classified according to their maturity, which is the date when Mid Penn Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Mid Short Long Term Debt Total

Short Long Term Debt Total

76.61 Million

At present, Mid Penn's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About Mid Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Mid Penn prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Mid shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Mid Penn. By using and applying Mid Stock analysis, traders can create a robust methodology for identifying Mid entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.22  0.26 
Operating Profit Margin 0.22  0.26 
Net Profit Margin 0.17  0.20 
Gross Profit Margin 0.61  0.49 

Current Mid Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Mid analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Mid analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
36.5Strong Buy3Odds
Mid Penn Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Mid analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Mid stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Mid Penn Bancorp, talking to its executives and customers, or listening to Mid conference calls.
Mid Analyst Advice Details

Mid Stock Analysis Indicators

Mid Penn Bancorp stock analysis indicators help investors evaluate how Mid Penn stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Mid Penn shares will generate the highest return on investment. By understating and applying Mid Penn stock analysis, traders can identify Mid Penn position entry and exit signals to maximize returns.
Begin Period Cash Flow96.8 M
Total Stockholder Equity814.1 M
Net Borrowings-274.9 M
Property Plant And Equipment Net66.3 M
Cash And Short Term Investments52.1 M
Cash46.7 M
50 Day M A31.7382
Total Current Liabilities5.2 B
Investments-208.7 M
Interest Expense124.7 M
Stock Based CompensationM
Common Stock Shares Outstanding23.2 M
Total Cashflows From Investing Activities-208.7 M
Quarterly Earnings Growth Y O Y0.15
Free Cash Flow44.5 M
Accounts Payable5.2 B
Net Debt12.7 M
Depreciation6.8 M
Other Operating Expenses254.6 M
Non Current Assets Total5.8 B
Liabilities And Stockholders Equity6.1 B
Non Currrent Assets Other4.7 B

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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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