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MPB logoMid Penn Bancorp, Inc.(MPB)Earnings, Financials & Key Ratios

MPB•NASDAQ•Banking & Credit
13.4× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutMid 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.Show more
  • Net Interest Income$199M+27.1%
  • Total Revenue$327M+6.6%
  • Net Income$56M+13.8%
  • Return on Equity7.66%-7.3%
  • Net Interest Margin3.25%+13.3%
  • Efficiency Ratio39.33%+5.2%
  • ROA0.97%+5.5%
  • Equity / Assets13.27%+10.8%
  • Book Value per Share35.16-8.4%
  • Tangible BV/Share28.63-6.1%
  • Debt/Equity0.07-39.9%

MPB Key Insights

Mid Penn Bancorp, Inc. (MPB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong 5Y profit CAGR of 16.5%
  • ✓Efficient operations: 39.3% efficiency ratio
  • ✓Well capitalized: 13.3% equity/assets
  • ✓Healthy dividend yield of 2.3%
  • ✓Trading near 52-week high

✗Weaknesses

  • ✗Shares diluted 35.6% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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MPB Price & Volume

Mid Penn Bancorp, Inc. (MPB) stock price & volume — 10-year historical chart

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MPB Growth Metrics

Mid Penn Bancorp, Inc. (MPB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years23.23%
5 Years21.66%
3 Years20.41%
TTM-

Profit CAGR

10 Years24.03%
5 Years16.5%
3 Years0.87%
TTM13.78%

EPS CAGR

10 Years5.66%
5 Years-3.83%
3 Years-9.5%
TTM-6.55%

Return on Capital

10 Years7.97%
5 Years7.79%
3 Years7.79%
Last Year8.76%

MPB Recent Earnings

Mid Penn Bancorp, Inc. (MPB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (67%)●Beat Revenue 7/12 qtrs (78%)
Q2 2026Latest
Apr 21, 2026
EPS
$0.64
Est $0.80
-20.0%
Revenue
$65M
Est $63M
+2.9%
Q2 2026
Mar 12, 2026
EPS
$0.83
Revenue
$92M
Q1 2026
Jan 28, 2026
EPS
$0.83
Est $0.84
-1.2%
Revenue
$62M
Est $62M
+0.3%
Q1 2026
Jan 21, 2026
EPS
$0.83
Est $0.84
-1.2%
Revenue
$62M
Est $62M
+0.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.64vs $0.80-20.0%
$65Mvs $63M+2.9%
Q2 2026Mar 12, 2026
$0.83
$92M
Q1 2026Jan 28, 2026
$0.83vs $0.84-1.2%
$62Mvs $62M+0.3%
Q1 2026Jan 21, 2026
$0.83vs $0.84-1.2%
$62Mvs $62M+0.3%
Based on last 12 quarters of dataView full earnings history →

MPB Peer Comparison

Mid Penn Bancorp, Inc. (MPB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.52B48.1814.4710.36%18.76%9.51%0.17
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor206.63M21.4614.70-9.41%16.01%7.81%0.28
FXNC logoFXNCFirst National CorporationDirect Competitor272.95M30.1915.4027.11%15.35%9.98%0.23
PFIS logoPFISPeoples Financial Services Corp.Direct Competitor635.56M63.5210.8022.26%21.04%11.81%0.50
FUNC logoFUNCFirst United CorporationDirect Competitor272.21M41.8711.116.6%20.51%12.61%0.56
FRAF logoFRAFFranklin Financial Services CorporationProduct Competitor273.2M60.8212.8317.32%16.02%13.06%1.23
CCNE logoCCNECNB Financial CorporationProduct Competitor972.04M32.8013.0712.46%15.99%8.88%0.38
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor617.27M14.78746.46-26.69%0.3%0.11%1.44

Compare MPB vs Peers

Mid Penn Bancorp, Inc. (MPB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for MPB.

Scale Benchmark

vs FIS

Larger-name benchmark to compare MPB against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CZWI, FXNC, PFIS

MPB Income Statement

Mid Penn Bancorp, Inc. (MPB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
37.59M55.93M70.15M88.21M108.57M147.83M146.97M156.67M199.09M
NII Growth %
7.87%48.81%25.41%25.75%23.08%36.17%-0.58%6.6%27.08%
Net Interest Margin %
3.21%2.69%3.14%2.94%2.32%3.29%2.78%2.86%3.25%
Interest Income
43.89M68.65M95.31M107.94M123.32M165.6M236.34M286.58M323.77M
Interest Expense
6.3M12.72M25.16M19.73M14.75M17.77M89.37M129.91M124.67M
Loan Loss Provision
325K500K1.39M4.2M2.94M4.3M3.29M2.14M1.3M
Non-Interest Income
5.62M7.46M12.64M14.75M20.5M21.65M18.04M20.13M3.16M
Non-Interest Income %
11.35%9.8%11.71%12.02%14.26%11.56%7.09%6.56%0.97%
Total Revenue
49.51M▲ 0%
76.11M▲ 53.7%
107.95M▲ 41.8%
122.69M▲ 13.7%
143.83M▲ 17.2%
187.25M▲ 30.2%
254.38M▲ 35.9%
306.71M▲ 20.6%
326.93M▲ 6.6%
Revenue Growth %
7.77%53.73%41.83%13.65%17.23%30.19%35.85%20.57%6.59%
Non-Interest Expense
31.29M50.17M59.97M67.42M90.08M97.84M117.03M114.62M128.59M
Efficiency Ratio
63.2%65.91%55.55%54.95%62.63%52.25%46%37.37%39.33%
Operating Income
11.59M▲ 0%
12.72M▲ 9.8%
21.43M▲ 68.4%
31.34M▲ 46.3%
36.05M▲ 15.0%
67.35M▲ 86.8%
44.69M▼ 33.6%
60.03M▲ 34.3%
72.37M▲ 20.6%
Operating Margin %
23.41%16.72%19.85%25.54%25.07%35.97%17.57%19.57%22.14%
Operating Income Growth %
14.96%9.8%68.38%46.27%15.04%86.81%-33.64%34.32%20.55%
Pretax Income
11.59M▲ 0%
12.72M▲ 9.8%
21.43M▲ 68.4%
31.34M▲ 46.3%
36.05M▲ 15.0%
67.35M▲ 86.8%
44.69M▼ 33.6%
60.03M▲ 34.3%
72.37M▲ 20.6%
Pretax Margin %
23.41%16.72%19.85%25.54%25.07%35.97%17.57%19.57%22.14%
Income Tax
4.5M2.13M3.73M5.13M6.73M12.54M7.3M10.6M16.12M
Effective Tax Rate %
38.83%16.73%17.39%16.37%18.67%18.62%16.33%17.65%22.28%
Net Income
7.09M▲ 0%
10.6M▲ 49.5%
17.7M▲ 67.1%
26.21M▲ 48.1%
29.32M▲ 11.9%
54.81M▲ 86.9%
37.4M▼ 31.8%
49.44M▲ 32.2%
56.25M▲ 13.8%
Net Margin %
14.32%13.92%16.4%21.36%20.38%29.27%14.7%16.12%17.21%
Net Income Growth %
-9.16%49.47%67.05%48.07%11.87%86.93%-31.76%32.2%13.78%
Net Income (Continuing)
7.09M10.6M17.7M26.21M29.32M54.81M37.4M49.44M56.25M
EPS (Diluted)
1.67▲ 0%
1.49▼ 10.8%
2.08▲ 39.6%
3.10▲ 49.0%
2.71▼ 12.6%
3.44▲ 26.9%
2.29▼ 33.4%
2.90▲ 26.6%
2.55▼ 12.1%
EPS Growth %
-9.73%-10.78%39.6%49.04%-12.58%26.94%-33.43%26.64%-12.07%
EPS (Basic)
1.671.482.093.112.713.442.292.902.57
Diluted Shares Outstanding
4.25M7.09M8.49M8.44M10.82M15.94M16.35M17.07M23.15M

MPB Balance Sheet

Mid Penn Bancorp, Inc. (MPB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
116.29M141.09M67.92M39.09M250.49M296.08M303.66M311.97M52.14M
Cash & Due from Banks
22.82M29.17M30.4M32.83M187.13M57.77M80.1M51.49M46.7M
Short Term Investments
93.47M111.92M37.52M6.26M63.36M238.31M223.56M260.48M5.45M
Total Investments
1.1B1.9B1.94B2.53B3.5B4.14B4.85B5.06B877.41M
Investments Growth %
16.36%72.73%2%30.75%38.2%18.27%17.14%4.38%-82.65%
Long-Term Investments
1.01B1.79B1.9B2.52B3.43B3.9B4.62B4.8B871.97M
Accounts Receivables
4.56M8.24M7.96M12.97M11.33M18.41M25.82M26.85M29.64M
Goodwill & Intangibles
4.35M70.06M68.6M67.2M123.27M121.49M133.51M134.4M151.28M
Goodwill
3.92M62.84M62.84M62.84M113.83M114.23M127.03M128.16M136.62M
Intangible Assets
434K7.22M5.76M4.36M9.44M7.26M6.48M6.24M14.66M
PP&E (Net)
16.17M25.3M39.83M38.31M45.37M46.18M48.59M49.05M66.28M
Other Assets
21.9M42.84M145.92M313.09M813.7M103.69M133.04M128.42M4.71B
Total Current Assets
120.85M149.34M75.88M52.06M261.82M314.49M329.48M338.81M81.78M
Total Non-Current Assets
1.05B1.93B2.16B2.95B4.43B4.18B4.96B5.13B5.82B
Total Assets
1.17B▲ 0%
2.08B▲ 77.6%
2.23B▲ 7.4%
3B▲ 34.4%
4.69B▲ 56.4%
4.5B▼ 4.1%
5.29B▲ 17.6%
5.47B▲ 3.4%
6.13B▲ 12.1%
Asset Growth %
13.34%77.55%7.37%34.41%56.37%-4.08%17.63%3.4%12.12%
Return on Assets (ROA)
0.64%0.65%0.82%1%0.76%1.19%0.76%0.92%0.97%
Accounts Payable
645K2.26M2.21M2.01M1.79M2.3M14.26M13.48M5.21B
Total Debt
64.3M118.21M72.52M130.9M166.91M71.08M356.17M79.44M59.38M
Net Debt
41.48M89.03M42.11M98.07M-20.22M13.3M276.06M27.94M12.68M
Long-Term Debt
29.69M75.11M56.42M116.23M152.16M58.06M102.16M66.28M23.14M
Short-Term Debt
34.61M43.1M0000241.53M2M20.83M
Other Liabilities
6.14M06.18M135.78M28.64M134.15M31.8M33.07M34.86M
Total Current Liabilities
1.06B1.77B1.91B2.48B4B3.78B4.6B4.71B5.25B
Total Non-Current Liabilities
35.83M83.38M78.7M266.67M195.54M205.22M146.44M110.51M73.4M
Total Liabilities
1.09B1.85B1.99B2.74B4.2B3.99B4.75B4.82B5.32B
Total Equity
75.7M▲ 0%
223.21M▲ 194.8%
237.87M▲ 6.6%
255.69M▲ 7.5%
490.08M▲ 91.7%
512.1M▲ 4.5%
542.35M▲ 5.9%
655.02M▲ 20.8%
814.06M▲ 24.3%
Equity Growth %
7.43%194.85%6.57%7.49%91.67%4.49%5.91%20.77%24.28%
Equity / Assets (Capital Ratio)
6.47%10.74%10.66%8.53%10.45%11.39%10.25%11.97%13.27%
Return on Equity (ROE)
9.7%7.09%7.68%10.62%7.86%10.94%7.09%8.26%7.66%
Book Value per Share
17.8031.4728.0130.2845.2932.1433.1738.3735.16
Tangible BV per Share
16.7821.5919.9322.3233.9024.5125.0030.5028.63
Common Stock
4.24M8.46M8.48M8.51M16.06M16.09M17M19.8M23.57M
Additional Paid-in Capital
40.97M177.56M178.16M178.85M384.74M386.99M405.73M480.49M589.42M
Retained Earnings
32.56M39.56M50.89M70.17M91.04M133.11M145.98M181.6M219.69M
Accumulated OCI
-2.07M-2.38M343K-57K158K-19.22M-16.64M-16.82M-6.32M
Treasury Stock
000-1.79M-1.92M-4.88M-9.72M-10.04M-12.29M
Preferred Stock
000000000

MPB Cash Flow Statement

Mid Penn Bancorp, Inc. (MPB) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
11.89M10.98M7.83M14.07M65.9M59.99M52.34M51.39M73.59M
Operating CF Growth %
-45.56%-7.67%-28.7%79.66%368.4%-8.97%-12.75%-1.82%43.2%
Net Income
7.09M10.6M17.7M26.21M29.32M54.81M37.4M49.44M56.25M
Depreciation & Amortization
1.57M3.62M6.07M6.45M4.68M6.47M6.86M6.83M5K
Deferred Taxes
1.83M1.32M665K-1.37M484K2.26M-1.55M1.52M0
Other Non-Cash Items
2.32M8K-6.63M-12.29M18.7M15.83M1.75M-795K21.54M
Working Capital Changes
-1.06M-4.82M-10.32M-5.34M12.02M-20.53M6.78M-6.65M-6.21M
Cash from Investing
-163.8M21.85M-26.98M-588.91M169.37M-704.71M-408.93M-208.74M-3.82M
Purchase of Investments
-124.74M-100.2M-79.25M-178.57M-309.18M-299.64M0-72.71M0
Sale/Maturity of Investments
63.99M190M191.13M217.86M50.45M29.52M28.85M50.11M0
Net Investment Activity
-60.74M89.79M111.87M39.29M-258.73M-270.12M28.85M-22.6M0
Acquisitions
072.62M00315.29M-19.82M1.07M-2.68M4.77M
Other Investing
-96.17M-131.6M-134.97M-624.52M116.31M-410.52M-436.07M-176.55M-8.59M
Cash from Financing
129.44M-16.28M118.12M739.54M374.76M-208.15M392.47M131.16M-58.2M
Dividends Paid
-2.2M-4.62M-6.69M-6.5M-8.87M-12.73M-12.98M-13.82M-18.16M
Share Repurchases
00-269K-1.79M-128K-2.96M-4.88M-323K-2.25M
Stock Issued
00269K070.24M0075.96M7.5M
Net Stock Activity
000-1.79M70.11M-2.96M-4.88M75.63M5.25M
Debt Issuance (Net)
1000K1000K-1000K1000K-1000K1000K1000K-1000K-1000K
Other Financing
88.26M-12.23M186.64M562.5M446.35M-201.47M286.98M344.28M-18.37M
Net Change in Cash
-22.46M▲ 0%
16.55M▲ 173.7%
98.97M▲ 497.9%
164.69M▲ 66.4%
610.03M▲ 270.4%
-852.87M▼ 239.8%
35.88M▲ 104.2%
-26.2M▼ 173.0%
-79.73M▼ 204.3%
Exchange Rate Effect
000000000
Cash at Beginning
45.97M23.51M40.06M139.03M303.72M913.75M60.88M96.76M83.21M
Cash at End
23.51M40.06M139.03M303.72M913.75M60.88M96.76M70.56M3.48M
Interest Paid
6.17M11.1M25.22M19.93M14.97M17.25M77.41M130.69M127.22M
Income Taxes Paid
3.89M1.43M3.77M7.74M6.95M7.55M7.96M853K5.75M
Free Cash Flow
5.02M▲ 0%
2.02M▼ 59.6%
3.95M▲ 94.9%
10.38M▲ 163.2%
62.4M▲ 500.9%
55.74M▼ 10.7%
49.57M▼ 11.1%
44.47M▼ 10.3%
65.35M▲ 47.0%
FCF Growth %
-76.2%-59.63%94.86%163.15%500.94%-10.67%-11.07%-10.29%46.96%

MPB Banking Ratios

Mid Penn Bancorp, Inc. (MPB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)11.11%9.7%7.09%7.68%10.62%7.86%10.94%7.09%8.26%7.66%
Return on Assets (ROA)0.79%0.64%0.65%0.82%1%0.76%1.19%0.76%0.92%0.97%
Net Interest Margin3.37%3.21%2.69%3.14%2.94%2.32%3.29%2.78%2.86%3.25%
Efficiency Ratio62.3%63.2%65.91%55.55%54.95%62.63%52.25%46%37.37%39.33%
Equity / Assets6.82%6.47%10.74%10.66%8.53%10.45%11.39%10.25%11.97%13.27%
Book Value / Share16.717.831.4728.0130.2845.2932.1433.1738.3735.16
NII Growth9.29%7.87%48.81%25.41%25.75%23.08%36.17%-0.58%6.6%27.08%
Dividend Payout31.42%31.09%42.59%37.78%24.82%30.26%23.24%34.71%27.96%32.29%
Related:MPB Dividend History·MPB Revenue History·MPB Price History·MPB P/E History·MPB Financial Ratios·MPB Institutional Holders

MPB SEC Filings & Documents

Mid Penn Bancorp, Inc. (MPB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Mar 2, 2026·SEC

Material company update

Feb 11, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

10-Q Quarterly Reports

4
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 8, 2025·SEC

MPB Frequently Asked Questions

Mid Penn Bancorp, Inc. (MPB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Mid Penn Bancorp, Inc. (MPB) grew revenue by 6.6% over the past year. This is steady growth.

Yes, Mid Penn Bancorp, Inc. (MPB) is profitable, generating $56.2M in net income for fiscal year 2025 (17.2% net margin).

Dividend & Returns

Yes, Mid Penn Bancorp, Inc. (MPB) pays a dividend with a yield of 2.29%. This makes it attractive for income-focused investors.

Mid Penn Bancorp, Inc. (MPB) has a return on equity (ROE) of 7.7%. This is below average, suggesting room for improvement.

Industry Metrics

Mid Penn Bancorp, Inc. (MPB) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

Mid Penn Bancorp, Inc. (MPB) has an efficiency ratio of 39.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in MPB back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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