Mid Penn Bancorp, Inc. Logo

Mid Penn Bancorp, Inc.

MPB

(3.0)
Stock Price

30,76 USD

0.81% ROA

7.08% ROE

9.54x PER

Market Cap.

393.378.960,00 USD

47.96% DER

3.39% Yield

17.75% NPM

Mid Penn Bancorp, Inc. Stock Analysis

Mid Penn Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Mid Penn Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.68x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (48%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

5 ROE

The stock's ROE falls within an average range (7.88%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.81%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (117), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Mid Penn Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Mid Penn Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Mid Penn Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Mid Penn Bancorp, Inc. Revenue
Year Revenue Growth
1994 8.360.000
1995 8.830.000 5.32%
1996 850.000 -938.82%
1997 11.100.000 92.34%
1998 12.200.000 9.02%
1999 12.100.000 -0.83%
2000 12.154.000 0.44%
2001 12.974.000 6.32%
2002 13.448.000 3.52%
2003 14.257.000 5.67%
2004 15.529.000 8.19%
2005 16.690.000 6.96%
2006 18.510.000 9.83%
2007 19.586.000 5.49%
2008 20.648.000 5.14%
2009 21.688.000 4.8%
2010 22.920.000 5.38%
2011 25.019.000 8.39%
2012 26.828.000 6.74%
2013 27.518.000 2.51%
2014 26.200.000 -5.03%
2015 35.859.000 26.94%
2016 40.552.000 11.57%
2017 43.193.000 6.11%
2018 63.392.000 31.86%
2019 82.784.000 23.42%
2020 103.779.000 20.23%
2021 127.555.000 18.64%
2022 169.306.000 24.66%
2023 253.668.000 33.26%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Mid Penn Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Mid Penn Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1994 4.650.000
1995 4.730.000 1.69%
1996 0 0%
1997 2.900.000 100%
1998 3.400.000 14.71%
1999 3.700.000 8.11%
2000 3.790.000 2.37%
2001 4.012.000 5.53%
2002 3.978.000 -0.85%
2003 4.496.000 11.52%
2004 4.918.000 8.58%
2005 5.662.000 13.14%
2006 6.023.000 5.99%
2007 6.582.000 8.49%
2008 9.422.000 30.14%
2009 10.366.000 9.11%
2010 10.901.000 4.91%
2011 11.954.000 8.81%
2012 12.946.000 7.66%
2013 12.976.000 0.23%
2014 13.230.000 1.92%
2015 17.060.000 22.45%
2016 18.180.000 6.16%
2017 19.676.000 7.6%
2018 28.291.000 30.45%
2019 38.202.000 25.94%
2020 45.263.000 15.6%
2021 49.931.000 9.35%
2022 54.195.000 7.87%
2023 3.560.000 -1422.33%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Mid Penn Bancorp, Inc. EBITDA
Year EBITDA Growth
1994 9.730.000
1995 11.140.000 12.66%
1996 12.561.000 11.31%
1997 13.900.000 9.63%
1998 15.400.000 9.74%
1999 15.300.000 -0.65%
2000 16.997.000 9.98%
2001 17.519.000 2.98%
2002 16.031.000 -9.28%
2003 14.728.000 -8.85%
2004 14.274.000 -3.18%
2005 16.375.000 12.83%
2006 19.921.000 17.8%
2007 22.279.000 10.58%
2008 20.496.000 -8.7%
2009 9.953.000 -105.93%
2010 15.126.000 34.2%
2011 16.595.000 8.85%
2012 14.459.000 -14.77%
2013 12.486.000 -15.8%
2014 12.887.000 3.11%
2015 14.364.000 10.28%
2016 17.232.000 16.64%
2017 19.462.000 11.46%
2018 29.064.000 33.04%
2019 22.856.000 -27.16%
2020 32.737.000 30.18%
2021 42.425.000 22.84%
2022 93.344.000 54.55%
2023 46.040.000 -102.75%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Mid Penn Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1994 2.620.000
1995 2.110.000 -24.17%
1996 850.000 -148.24%
1997 11.100.000 92.34%
1998 12.200.000 9.02%
1999 12.100.000 -0.83%
2000 12.154.000 0.44%
2001 12.974.000 6.32%
2002 13.448.000 3.52%
2003 14.257.000 5.67%
2004 15.529.000 8.19%
2005 16.690.000 6.96%
2006 18.510.000 9.83%
2007 19.586.000 5.49%
2008 20.648.000 5.14%
2009 21.688.000 4.8%
2010 22.920.000 5.38%
2011 25.019.000 8.39%
2012 26.828.000 6.74%
2013 27.518.000 2.51%
2014 26.200.000 -5.03%
2015 35.859.000 26.94%
2016 40.552.000 11.57%
2017 43.193.000 6.11%
2018 63.392.000 31.86%
2019 82.784.000 23.42%
2020 103.779.000 20.23%
2021 127.555.000 18.64%
2022 169.306.000 24.66%
2023 253.668.000 33.26%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Mid Penn Bancorp, Inc. Net Profit
Year Net Profit Growth
1994 2.740.000
1995 2.970.000 7.74%
1996 3.329.000 10.78%
1997 4.000.000 16.78%
1998 3.900.000 -2.56%
1999 3.900.000 0%
2000 3.948.000 1.22%
2001 4.230.000 6.67%
2002 4.495.000 5.9%
2003 4.615.000 2.6%
2004 4.369.000 -5.63%
2005 4.603.000 5.08%
2006 4.888.000 5.83%
2007 4.671.000 -4.65%
2008 3.588.000 -30.18%
2009 -2.295.000 256.34%
2010 2.748.000 183.52%
2011 4.543.000 39.51%
2012 4.951.000 8.24%
2013 4.939.000 -0.24%
2014 5.701.000 13.37%
2015 6.528.000 12.67%
2016 7.804.000 16.35%
2017 7.089.000 -10.09%
2018 10.596.000 33.1%
2019 17.701.000 40.14%
2020 26.209.000 32.46%
2021 29.319.000 10.61%
2022 54.806.000 46.5%
2023 36.944.000 -48.35%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Mid Penn Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1994 1
1995 1 0%
1996 1 100%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 -1 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 2 0%
2015 1 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 50%
2020 3 33.33%
2021 3 -50%
2022 5 60%
2023 2 -150%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Mid Penn Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1994 2.630.000
1995 1.830.000 -43.72%
1996 2.997.000 38.94%
1997 3.000.000 0.1%
1998 3.600.000 16.67%
1999 4.200.000 14.29%
2000 3.569.000 -17.68%
2001 4.956.000 27.99%
2002 4.129.000 -20.03%
2003 4.070.000 -1.45%
2004 3.888.000 -4.68%
2005 3.059.000 -27.1%
2006 4.660.000 34.36%
2007 3.600.000 -29.44%
2008 4.250.000 15.29%
2009 -554.000 867.15%
2010 5.683.000 109.75%
2011 7.031.000 19.17%
2012 8.405.000 16.35%
2013 10.094.000 16.73%
2014 7.661.000 -31.76%
2015 11.713.000 34.59%
2016 21.496.000 45.51%
2017 5.016.000 -328.55%
2018 2.025.000 -147.7%
2019 3.946.000 48.68%
2020 10.384.000 62%
2021 62.402.000 83.36%
2022 55.742.000 -11.95%
2023 466.000 -11861.8%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Mid Penn Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1994 3.070.000
1995 3.300.000 6.97%
1996 3.313.000 0.39%
1997 3.100.000 -6.87%
1998 4.100.000 24.39%
1999 4.400.000 6.82%
2000 4.212.000 -4.46%
2001 5.106.000 17.51%
2002 4.391.000 -16.28%
2003 5.099.000 13.89%
2004 5.317.000 4.1%
2005 5.140.000 -3.44%
2006 5.691.000 9.68%
2007 5.485.000 -3.76%
2008 5.837.000 6.03%
2009 2.093.000 -178.88%
2010 7.270.000 71.21%
2011 8.446.000 13.92%
2012 9.400.000 10.15%
2013 10.682.000 12%
2014 8.670.000 -23.21%
2015 13.174.000 34.19%
2016 22.271.000 40.85%
2017 11.895.000 -87.23%
2018 10.983.000 -8.3%
2019 7.831.000 -40.25%
2020 14.069.000 44.34%
2021 65.899.000 78.65%
2022 59.991.000 -9.85%
2023 466.000 -12773.61%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Mid Penn Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1994 440.000
1995 1.470.000 70.07%
1996 316.000 -365.19%
1997 100.000 -216%
1998 500.000 80%
1999 200.000 -150%
2000 643.000 68.9%
2001 150.000 -328.67%
2002 262.000 42.75%
2003 1.029.000 74.54%
2004 1.429.000 27.99%
2005 2.081.000 31.33%
2006 1.031.000 -101.84%
2007 1.885.000 45.31%
2008 1.587.000 -18.78%
2009 2.647.000 40.05%
2010 1.587.000 -66.79%
2011 1.415.000 -12.16%
2012 995.000 -42.21%
2013 588.000 -69.22%
2014 1.009.000 41.72%
2015 1.461.000 30.94%
2016 775.000 -88.52%
2017 6.879.000 88.73%
2018 8.958.000 23.21%
2019 3.885.000 -130.58%
2020 3.685.000 -5.43%
2021 3.497.000 -5.38%
2022 4.249.000 17.7%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Mid Penn Bancorp, Inc. Equity
Year Equity Growth
1995 22.700.000
1996 24.650.000 7.91%
1997 26.900.000 8.36%
1998 31.500.000 14.6%
1999 26.600.000 -18.42%
2000 29.626.000 10.21%
2001 31.716.000 6.59%
2002 35.204.000 9.91%
2003 37.361.000 5.77%
2004 35.272.000 -5.92%
2005 36.861.000 4.31%
2006 39.085.000 5.69%
2007 40.444.000 3.36%
2008 50.890.000 20.53%
2009 46.704.000 -8.96%
2010 48.201.000 3.11%
2011 53.452.000 9.82%
2012 52.220.000 -2.36%
2013 52.916.000 1.32%
2014 59.130.000 10.51%
2015 70.068.000 15.61%
2016 70.467.000 0.57%
2017 75.703.000 6.92%
2018 223.209.000 66.08%
2019 237.874.000 6.17%
2020 255.688.000 6.97%
2021 490.076.000 47.83%
2022 512.099.000 4.3%
2023 528.711.000 3.14%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Mid Penn Bancorp, Inc. Assets
Year Assets Growth
1995 194.700.000
1996 210.172.000 7.36%
1997 228.800.000 8.14%
1998 277.800.000 17.64%
1999 287.500.000 3.37%
2000 315.584.000 8.9%
2001 330.635.000 4.55%
2002 363.284.000 8.99%
2003 373.466.000 2.73%
2004 403.256.000 7.39%
2005 438.110.000 7.96%
2006 491.694.000 10.9%
2007 509.757.000 3.54%
2008 572.300.000 10.93%
2009 606.010.000 5.56%
2010 637.457.000 4.93%
2011 715.383.000 10.89%
2012 705.200.000 -1.44%
2013 713.125.000 1.11%
2014 814.787.000 12.48%
2015 931.638.000 12.54%
2016 1.032.599.000 9.78%
2017 1.170.354.000 11.77%
2018 2.077.981.000 43.68%
2019 2.231.175.000 6.87%
2020 2.998.948.000 25.6%
2021 4.689.425.000 36.05%
2022 4.486.257.000 -4.53%
2023 5.215.963.000 13.99%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Mid Penn Bancorp, Inc. Liabilities
Year Liabilities Growth
1995 172.000.000
1996 185.522.000 7.29%
1997 201.900.000 8.11%
1998 246.300.000 18.03%
1999 260.900.000 5.6%
2000 285.958.000 8.76%
2001 298.919.000 4.34%
2002 328.080.000 8.89%
2003 336.105.000 2.39%
2004 367.984.000 8.66%
2005 401.249.000 8.29%
2006 452.609.000 11.35%
2007 469.313.000 3.56%
2008 521.410.000 9.99%
2009 559.306.000 6.78%
2010 589.256.000 5.08%
2011 661.931.000 10.98%
2012 652.980.000 -1.37%
2013 660.209.000 1.09%
2014 755.657.000 12.63%
2015 861.570.000 12.29%
2016 962.132.000 10.45%
2017 1.094.651.000 12.11%
2018 1.854.772.000 40.98%
2019 1.993.301.000 6.95%
2020 2.743.260.000 27.34%
2021 4.199.349.000 34.67%
2022 3.974.158.000 -5.67%
2023 4.687.252.000 15.21%

Mid Penn Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.42
Net Income per Share
2.47
Price to Earning Ratio
9.54x
Price To Sales Ratio
2.08x
POCF Ratio
9.16
PFCF Ratio
9.74
Price to Book Ratio
0.74
EV to Sales
3.07
EV Over EBITDA
7.67
EV to Operating CashFlow
13.62
EV to FreeCashFlow
14.41
Earnings Yield
0.1
FreeCashFlow Yield
0.1
Market Cap
0,39 Bil.
Enterprise Value
0,58 Bil.
Graham Number
42.13
Graham NetNet
-264.49

Income Statement Metrics

Net Income per Share
2.47
Income Quality
1.35
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.84
EBT Per Ebit
0.76
Ebit per Revenue
0.28
Effective Tax Rate
0.16

Margins

Sales, General, & Administrative to Revenue
0.23
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.07
Operating Profit Margin
0.28
Pretax Profit Margin
0.21
Net Profit Margin
0.18

Dividends

Dividend Yield
0.03
Dividend Yield %
3.39
Payout Ratio
0.23
Dividend Per Share
0.8

Operating Metrics

Operating Cashflow per Share
2.58
Free CashFlow per Share
2.43
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.01
Capex to Depreciation
-0.28
Return on Invested Capital
0.08
Return on Tangible Assets
0.01
Days Sales Outstanding
46.7
Days Payables Outstanding
-349.18
Days of Inventory on Hand
0
Receivables Turnover
7.82
Payables Turnover
-1.05
Inventory Turnover
0
Capex per Share
-0.14

Balance Sheet

Cash per Share
17,11
Book Value per Share
31,89
Tangible Book Value per Share
23.63
Shareholders Equity per Share
31.89
Interest Debt per Share
19.42
Debt to Equity
0.48
Debt to Assets
0.05
Net Debt to EBITDA
2.48
Current Ratio
0.56
Tangible Asset Value
0,39 Bil.
Net Current Asset Value
-4,61 Bil.
Invested Capital
0.48
Working Capital
-0,06 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,02 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0.64

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Mid Penn Bancorp, Inc. Dividends
Year Dividends Growth
1998 1
1999 2 100%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 2 100%
2005 1 0%
2006 1 0%
2007 6 100%
2008 1 0%
2009 1 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Mid Penn Bancorp, Inc. Profile

About Mid Penn Bancorp, Inc.

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 offers various time and demand deposit products, including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and IRAs. 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. In addition, the company offers online banking, telephone banking, cash management, and automated teller services, as well as safe deposit boxes; and trust and wealth management services. As of December 31, 2021, it operated sixty full-service retail banking locations in Berks, Blair, Bucks, Centre, Chester, Clearfield, Cumberland, Dauphin, Fayette, Huntingdon, Lancaster, Lehigh, Luzerne, Lycoming, Montgomery, Northumberland, Perry, Schuylkill, and Westmoreland counties, Pennsylvania. The company was founded in 1868 and is headquartered in Harrisburg, Pennsylvania.

CEO
Mr. Rory G. Ritrievi
Employee
590
Address
2407 Park Drive
Harrisburg, 17110

Mid Penn Bancorp, Inc. Executives & BODs

Mid Penn Bancorp, Inc. Executives & BODs
# Name Age
1 Ms. Heather R. Hall
Executive Vice President & Market President
70
2 Elizabeth O. Martin
Corporate Secretary
70
3 Margaret E. Steinour
Senior Vice President & Chief Administrative Officer
70
4 Mr. Justin T. Webb
Chief Financial Officer
70
5 Zachary C. Miller
First SVice President & Chief Risk Officer
70
6 Mr. Scott W. Micklewright
Chief Revenue Officer
70
7 Mr. Joseph Louis Paese CFP
Executive Vice President and Director of Trust & Wealth Management of Mid Penn Bank
70
8 Mr. Jordan D. Space
Chief Operating Officer
70
9 Mr. Rory G. Ritrievi
President, Chief Executive Officer & Chairman
70

Mid Penn Bancorp, Inc. Competitors