Mid Penn Bancorp (MPB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Mid Penn Bancorp

NasdaqGM•Financial Services•Banks - Regional

$36.92-0.48(-0.01%)Pre-market

Market Cap

$938.99M

P/E

13.8x

P/S

2.4x

P/B

1.0x

Mid Penn Bancorp, Inc. operates as the bank holding company for Mid Penn Bank that provides commercial banking services to individuals, institutional clients, partnerships, non-profit organizations, businesses, and corporations in Pennsylvania and New Jersey, the United States. The company offers various time and demand deposit products, including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and individual retirement accounts. It also provides a range of loan products comprising mortgage and home equity loans, secured and unsecured commercial and consumer loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities, and local government loans; and personal loans and lines of credit, home equity lines of credit, commercial lines of credit, commercial real estate financing, SBA loans, and agricultural loans. In addition, the company offers trust, retail investment, wealth management, and personal and business insurance services; private banking; insured cash sweep; debit, credit, and gift cards; online bill payment; and online and telephone banking, cash management, automated teller services, and safe deposit boxes. Mid Penn Bancorp, Inc. was founded in 1868 and is headquartered in Harrisburg, Pennsylvania.

How this company scores

WeakMetricSide Score: 85/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability21/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality24/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.8x5y range 8.6x – 15.1x

Currently near its 20-quarter median.

P/S · 2.4x5y range 1.6x – 3.1x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.7x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Share Dilution

Red Flag

Shares outstanding increased 52.5% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $938.99M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $388.27M
Q. Revenue: $107.28M
TTM EBITDA: $95.15M
TTM Op. Income: $90.16M
Q. Op. Income: $27.57M
TTM Net Income: $68.14M
Q. Net Income: $21.69M
EPS: $0.86
Shares Out.: $25.33M

$388.27M in TTM revenue grew 20.7% YoY, reaching $107.28M last quarter. TTM EBITDA of $95.15M and TTM operating income of $90.16M show growth is flowing through to the bottom line. TTM net income of $68.14M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 70.7%
EBITDA Margin: 27.4%
Op. Margin: 25.7%
Net Margin: 20.2%

Op. margin of 25.7% is up 20.7% YoY — cost efficiency is improving. Net margin at 20.2% and gross margin of 70.7% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 417% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.8x
P/S Ratio: 2.4x
P/B Ratio: 1.0x

At 13.8x P/E, the stock trades below typical market levels. P/S of 2.4x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 0% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $7.06B
Cash: $86.65M
Long-Term Debt: $2.90M
Book Value: $901.91M
D/E Ratio: 0.0
Debt/EBITDA: 0.1

With $7.06B in assets and $2.90M in long-term debt, D/E is 0.0and book value is $901.91M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $32.38M
TTM Free Cash Flow: $80.02M
FCF Margin: 20.6%
FCF / Net Income: 1.2

TTM FCF of $80.02M on $32.38M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 5 consecutive quarters — an improving trend.