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MPB

BULLISH
$33.79 Live
Mid Penn Bancorp, Inc. · NASDAQ
Target $36.5 (+8.0%)
$24.8 52W Range $35.22
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 15, 2026
Market cap
$854.46M
P/E
13.25
ROE
7.7%
Profit margin
25.1%
Debt/Equity
N/A
Dividend yield
2.49%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
Mid Penn Bancorp (MPB) presents a compelling deep-value opportunity, trading significantly below both its Graham Number ($45.02) and estimated Intrinsic Value ($75.22). While the Piotroski F-Score of 4/9 indicates only stable financial health rather than strength, the company exhibits aggressive growth with 33.10% YoY revenue increases and a Price-to-Book ratio of 0.96. Despite a heavily bearish technical trend (10/100), the fundamental disconnect between the current price ($33.79) and its valuation metrics suggests a strong margin of safety.

Key Strengths

Deep value valuation with P/B ratio of 0.96 (trading below book value)
Strong growth trajectory with 33.10% YoY revenue growth and 47% Q/Q earnings growth
Significant discount to Graham Number ($45.02) and Intrinsic Value ($75.22)
Sustainable dividend profile with a low payout ratio of 32.16%
Consistent long-term earnings track record with frequent estimate beats over 25 quarters

Key Risks

Extremely bearish technical trend (10/100) suggesting strong selling pressure
Moderate financial health as indicated by a Piotroski F-Score of 4/9
Low analyst coverage (only 2 analysts), increasing reliance on raw data
Regional bank sector exposure to interest rate volatility
Lack of recent insider buying activity to validate the value thesis
AI Fair Value Estimate
Based on comprehensive analysis
$54.5
+61.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
79
Strong
Value
95
Future
88
Past
90
Health
50
Dividend
70
AI Verdict
Strong Value Play
Key drivers: P/B < 1.0, High Revenue Growth, Price vs Graham Number Gap
Confidence
80%
Value
95/100

Ref P/E, PEG, Graham Number

Positives
  • P/E of 13.25 is low
  • Forward P/E of 8.44 is very attractive
  • Price is ~25% below Graham Number
Watchpoints
  • Price/Sales is relatively high at 3.81
Future
88/100

Ref Growth rates

Positives
  • 33.10% YoY Revenue Growth
  • 47% Q/Q Earnings Growth
Watchpoints
  • Regional bank growth can be cyclical
Past
90/100

Ref Historical trends

Positives
  • Strong 25-quarter earnings track record
  • Positive 5Y, 3Y, and 1Y price changes
Watchpoints
  • Recent quarterly surprise was slightly negative (-1.2%)
Health
50/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Stable Piotroski score (4/9)
Watchpoints
  • Piotroski score is not in the 'Strong' range (7-9)
  • Altman Z-Score data unavailable
Dividend
70/100

Ref Yield, Payout

Positives
  • Low payout ratio (32.16%) ensures sustainability
Watchpoints
  • Yield of 2.49% is modest for a regional bank

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$33.79
Analyst Target
$36.5
Upside/Downside
+8.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MPB and closest competitors.

Updated 2026-04-14
MPB
Mid Penn Bancorp, Inc.
Primary
5Y
+55.6%
3Y
+55.4%
1Y
+40.5%
6M
+21.8%
1M
+7.1%
1W
+2.4%
LIF
Ethos Technologies Inc.
Peer
5Y
-18.0%
3Y
-18.0%
1Y
-18.0%
6M
-18.0%
1M
+9.5%
1W
+16.3%
ABX
Abacus Global Management, Inc.
Peer
5Y
-6.8%
3Y
-10.9%
1Y
+24.7%
6M
+51.2%
1M
+3.4%
1W
-5.8%
HAF
Hanmi Financial Corporation
Peer
5Y
+73.0%
3Y
+81.2%
1Y
+42.6%
6M
+19.9%
1M
+11.2%
1W
+5.8%
FSB
Five Star Bancorp
Peer
5Y
+132.6%
3Y
+126.2%
1Y
+58.8%
6M
+32.0%
1M
+9.0%
1W
+6.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
13.25
Forward P/E
8.44
PEG Ratio
N/A
P/B Ratio
0.96
P/S Ratio
3.81
EV/Revenue
3.29
EV/EBITDA
N/A
Market Cap
$854.46M

Profitability

Profit margins and return metrics

Profit Margin 25.06%
Operating Margin 46.22%
Gross Margin N/A
ROE 7.66%
ROA 0.97%

Growth

Revenue and earnings growth rates

Revenue Growth +33.1%
Earnings Growth +15.1%
Q/Q Revenue Growth +30.68%
Q/Q Earnings Growth +47.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$4.68

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
31.9%
Total Assets
$6.1B
Liabilities
$5.3B
Equity
$0.8B
Debt/Equity
6.53x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
86%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-22
$N/A
2026-01-21
$0.83
-1.2% surprise
2025-10-22
$0.77
+8.4% surprise
2025-07-23
$0.7
+1.4% surprise

Financial Services Sector Comparison

Comparing MPB against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
P/E Ratio
13.25
This Stock
vs
46.02
Sector Avg
-71.2% (Discount)
Return on Equity (ROE)
7.66%
This Stock
vs
0.23%
Sector Avg
+3247.7% (Excellent)
Profit Margin
25.06%
This Stock
vs
50.44%
Sector Avg
-50.3% (Weaker)
Revenue Growth
33.1%
This Stock
vs
37.35%
Sector Avg
-11.4% (Slower)

Similar Companies

Peer comparison within the same industry

MPB Mid Penn Bancorp, Inc.
BULLISH
Mkt Cap
$854M
P/E
13.3
ROE
7.7%
Price
$33.79
LIFE Ethos Technologies Inc.
BULLISH
Mkt Cap
$868M
P/E
12.1
ROE
21.0%
Price
$13.81
 Compare with MPB
ABX Abacus Global...
BEARISH
Mkt Cap
$869M
P/E
24.7
ROE
8.8%
Price
$8.89
 Compare with MPB
HAFC Hanmi...
BULLISH
Mkt Cap
$839M
P/E
11.2
ROE
10.0%
Price
$28.0
 Compare with MPB
FSBC Five Star Bancorp
BULLISH
Mkt Cap
$871M
P/E
13.8
ROE
14.6%
Price
$40.75
 Compare with MPB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

RITRIEVI RORY G
Chief Executive Officer
Stock Award
2026-04-01
11,622 shares
ABEL ROBERT A
Director
Stock Award
2026-04-01
1,700 shares
WEBB JUSTIN T
Chief Financial Officer
Stock Award
2026-04-01
5,811 shares
NOONE JOHN E
Director
Stock Award
2026-04-01
1,700 shares
PAESE JOSEPH L.
Officer
Stock Award
2026-04-01
3,051 shares
HUDSON BRIAN ARDEN SR
Director
Stock Award
2026-04-01
1,700 shares
MOWERY THEODORE W
Director
Stock Award
2026-04-01
1,700 shares
SPECHT WILLIAM A III
Director
Stock Award
2026-04-01
1,700 shares
DE SOTO MATTHEW G
Director
Stock Award
2026-04-01
1,700 shares
MICKLEWRIGHT SCOTT W
Officer
Stock Award
2026-04-01
4,972 shares
GATHAGAN MAUREEN M
Director
Stock Award
2026-04-01
1,700 shares
EVANS ALBERT J
Director
Stock Award
2026-04-01
1,700 shares
FRANK JOEL L.
Director
Stock Award
2026-04-01
1,700 shares
DICKINSON JOAN E
Officer
Stock Award
2026-04-01
3,955 shares
BRUMBAUGH KIMBERLY J.
Director
Stock Award
2026-04-01
1,700 shares
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
STRONG_BUY
2 analysts
Keefe, Bruyette & Woods
2025-10-27
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning MPB from our newsroom.

Newest → oldest
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