Mid Penn Bancorp, Inc. logo

Mid Penn Bancorp, Inc.

MPB

NASDAQFinancial ServicesBanks - Regional

Previous close

$37.24

+$0.02 · +0.05%

Aug 21, 4:00 PM ET

MPB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

65

Undervalued

Momentum

52

Neutral

Sentiment

68

Bullish

Risk resilience

77

Moderate Risk

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Company profile

Company website

Mid Penn Bancorp, Inc. functions as the parent entity for Mid Penn Bank, offering a comprehensive suite of commercial banking services to a diverse client base, including individuals, business partnerships, non-profit organizations, and corporate entities. The institution provides an array of deposit options, such as checking, savings, specialized club accounts, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Its lending portfolio is extensive, encompassing residential mortgages and home equity lines, both secured and unsecured commercial and consumer loans, revolving lines of credit, construction project financing, agricultural loans, community development funding, and tailored loans for non-profit organizations and municipal governments. Additionally, the company offers modern banking conveniences like online and telephone banking, robust cash management solutions, and automated teller machine (ATM) services. Clients also have access to safe deposit boxes and benefit from professional trust and wealth management advisory. As of December 31, 2021, Mid Penn Bancorp maintained a network of sixty full-service retail banking branches across nineteen Pennsylvania counties: Berks, Blair, Bucks, Centre, Chester, Clearfield, Cumberland, Dauphin, Fayette, Huntingdon, Lancaster, Lehigh, Luzerne, Lycoming, Montgomery, Northumberland, Perry, Schuylkill, and Westmoreland. Established in 1868, the company's corporate headquarters are situated in Harrisburg, Pennsylvania.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Rory G. Ritrievi
Listed since
Dec 4, 1997
Employees
723

Market position

Day range

Current $37.24

52-week range

Current $37.24

Open
$37.37
Previous close
$37.22
Volume
62.88K
0.39× average
Average volume
159.99K
Average daily volume
Market cap
943.84M USD
Beta
0.46
Market reference 1
50-day average
$35.995
+3.46% above average
200-day average
$32.9924
+12.87% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
730.83M USD
EV / EBITDA
9.44×
Earnings yield
7.83%
Free cash flow yield
10.00%

Profitability & efficiency

Return on equity
6.91%
Return on assets
0.92%
Return on invested capital
8.33%

Financial health

Current ratio
0.02×
Altman Z-score
-0.63
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends96%66%37%7%Gross margin, FY2021: 87.69%Gross margin, FY2022: 88.22%Gross margin, FY2023: 63.57%Gross margin, FY2024: 56.94%Gross margin, FY2025: 61.47%Operating margin, FY2021: 25.07%Operating margin, FY2022: 35.97%Operating margin, FY2023: 17.57%Operating margin, FY2024: 19.57%Operating margin, FY2025: 22.14%Net margin, FY2021: 20.38%Net margin, FY2022: 29.27%Net margin, FY2023: 14.70%Net margin, FY2024: 16.12%Net margin, FY2025: 17.21%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 87.69%. Gross margin FY2022 88.22%. Gross margin FY2023 63.57%. Gross margin FY2024 56.94%. Gross margin FY2025 61.47%. Operating margin FY2021 25.07%. Operating margin FY2022 35.97%. Operating margin FY2023 17.57%. Operating margin FY2024 19.57%. Operating margin FY2025 22.14%. Net margin FY2021 20.38%. Net margin FY2022 29.27%. Net margin FY2023 14.70%. Net margin FY2024 16.12%. Net margin FY2025 17.21%.

Income trends

Revenue

326.93M USD+6.59%

Operating income

72.37M USD+20.55%

Net income

56.25M USD+13.78%
Income trends across reported periods356.69M USD237.65M USD118.6M USD−441.9K USDRevenue, FY2021: 143.83M USDRevenue, FY2022: 187.25M USDRevenue, FY2023: 254.38M USDRevenue, FY2024: 306.71M USDRevenue, FY2025: 326.93M USDOperating income, FY2021: 36.05M USDOperating income, FY2022: 67.35M USDOperating income, FY2023: 44.69M USDOperating income, FY2024: 60.03M USDOperating income, FY2025: 72.37M USDNet income, FY2021: 29.32M USDNet income, FY2022: 54.81M USDNet income, FY2023: 37.4M USDNet income, FY2024: 49.44M USDNet income, FY2025: 56.25M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 143.83M USD. Revenue FY2022 187.25M USD. Revenue FY2023 254.38M USD. Revenue FY2024 306.71M USD. Revenue FY2025 326.93M USD. Operating income FY2021 36.05M USD. Operating income FY2022 67.35M USD. Operating income FY2023 44.69M USD. Operating income FY2024 60.03M USD. Operating income FY2025 72.37M USD. Net income FY2021 29.32M USD. Net income FY2022 54.81M USD. Net income FY2023 37.4M USD. Net income FY2024 49.44M USD. Net income FY2025 56.25M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue326.93M USD306.71M USD254.38M USD187.25M USD143.83M USD
Cost of goods sold125.97M USD132.06M USD92.66M USD22.07M USD17.7M USD
Gross profit200.96M USD174.66M USD161.72M USD165.18M USD126.13M USD
Selling, general, and administrative92.96M USD68.27M USD62.85M USD54.2M USD43.6M USD
Operating expenses128.59M USD114.62M USD117.03M USD97.84M USD90.08M USD
Interest income323.77M USD286.58M USD236.34M USD165.6M USD123.32M USD
Interest expense124.68M USD129.91M USD89.37M USD17.77M USD14.75M USD
Depreciation and amortization5.04M USD6.83M USD6.86M USD6.48M USD4.68M USD
Operating income72.37M USD60.03M USD44.69M USD67.35M USD36.05M USD
Net income56.25M USD49.44M USD37.4M USD54.81M USD29.32M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
70%
7 beats, 2 misses, 1 met estimate
Average EPS surprise
+4.40%
10 comparable reports
Latest EPS result
0.87
Estimate 0.79 · Beat by 9.99%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.940.830.710.6Q1 '25MetQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 0.71, estimate 0.71, surprise 0.00%, Met estimate. Q2 2025, reported Apr 23, 2025: actual 0.72, estimate 0.65, surprise +10.77%, Beat. Q3 2025, reported Jul 23, 2025: actual 0.7, estimate 0.69, surprise +1.45%, Beat. Q4 2025, reported Oct 22, 2025: actual 0.77, estimate 0.75, surprise +2.67%, Beat. Q1 2026, reported Jan 21, 2026: actual 0.83, estimate 0.84, surprise -1.19%, Miss. Q2 2026, reported Apr 21, 2026: actual 0.64, estimate 0.8, surprise -20.00%, Miss. Q3 2026, reported Jul 22, 2026: actual 0.87, estimate 0.791, surprise +9.99%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 0.9, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates80.76M68.18M55.6M43.01MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 47.43M USD, estimate 46.12M USD, surprise +2.84%, Beat. Q2 2025, reported Apr 23, 2025: actual 47.04M USD, estimate 47.1M USD, surprise -0.12%, Miss. Q3 2025, reported Jul 23, 2025: actual 53.73M USD, estimate 58.35M USD, surprise -7.92%, Miss. Q4 2025, reported Oct 22, 2025: actual 60.78M USD, estimate 60.15M USD, surprise +1.05%, Beat. Q1 2026, reported Jan 21, 2026: actual 62.03M USD, estimate 61.85M USD, surprise +0.29%, Beat. Q2 2026, reported Apr 21, 2026: actual 64.85M USD, estimate 63M USD, surprise +2.94%, Beat. Q3 2026, reported Jul 22, 2026: actual 75.87M USD, estimate 73.28M USD, surprise +3.53%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 77.66M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$38.00

2.04% upside
Past 12 months12-month forecastHigh $38.00Average $38.00Low $38.00

Recent analyst actions

2 institutions

MPB news

Corporate actions

Corporate action history

Stock split

Effective May 7, 2007

21:20

Stock split

Effective Feb 6, 2006

21:20

Stock split

Effective May 5, 2003

21:20

Stock split

Effective Nov 8, 1999

21:20

Stock split

Effective Nov 6, 1998

21:20

Stock split

Effective Sep 9, 1997

2:1

MPB peers

ETFs holding MPB

Funds reporting this stock among their holdings, ordered by reported position size.

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