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Mid Penn Bancorp, Inc. (MPB) Financial Ratios

30 years of historical data (1996–2025) · Financial Services · Banks - Regional

View Quarterly Ratios →

P/E Ratio

↑

13.44

↑+26% vs avg

5yr avg: 10.63

054%ile100

30Y Low6.5·High21.1

View P/E History →

EV/EBITDA

↑

11.38

↑+27% vs avg

5yr avg: 8.97

063%ile100

30Y Low1.4·High18.5

P/FCF

↑

13.28

↑+50% vs avg

5yr avg: 8.83

050%ile100

30Y Low3.7·High80.6

P/B Ratio

↑

0.97

↑+22% vs avg

5yr avg: 0.80

048%ile100

30Y Low0.5·High3.0

ROE

↓

7.7%

-8% vs avg

5yr avg: 8.4%

017%ile100

30Y Low-5%·High15%

Debt/EBITDA

↓

0.77

↓-72% vs avg

5yr avg: 2.78

03%ile100

30Y Low0.8·High14.1

Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.

MPB Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

Mid Penn Bancorp, Inc. trades at 13.4x earnings, 26% above its 5-year average of 10.6x, sitting at the 54th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.9x. On a free-cash-flow basis, the stock trades at 13.3x P/FCF, 50% above the 5-year average of 8.8x.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Market Cap	$868M	$718M	$492M	$397M	$478M	$343M	$185M	$245M	$163M	$141M	$101M
Enterprise Value	$881M	$731M	$520M	$673M	$491M	$323M	$283M	$287M	$252M	$182M	$106M
P/E Ratio →	13.44	12.16	9.94	10.60	8.71	11.71	7.06	13.85	15.45	19.82	12.88
P/S Ratio	2.66	2.20	1.61	1.56	2.55	2.39	1.51	2.27	2.14	2.84	2.19
P/B Ratio	0.97	0.88	0.75	0.73	0.93	0.70	0.72	1.03	0.73	1.86	1.43
P/FCF	13.28	10.99	11.07	8.01	8.57	5.50	17.81	61.98	80.62	28.06	4.77
P/OCF	11.80	9.76	9.58	7.58	7.96	5.21	13.14	31.23	14.86	11.83	4.60

P/E links to full P/E history page with 30-year chart

MPB EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

Mid Penn Bancorp, Inc.'s enterprise value stands at 11.4x EBITDA, 27% above its 5-year average of 9.0x. This is roughly in line with the Financial Services sector median of 11.5x.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
EV / Revenue	—	2.24	1.70	2.65	2.62	2.25	2.31	2.66	3.31	3.68	2.31
EV / EBITDA	11.38	9.44	7.78	13.06	6.65	7.94	7.49	10.43	15.44	13.85	8.94
EV / EBIT	12.17	10.10	8.67	15.06	7.29	8.97	9.03	13.38	19.83	15.73	10.52
EV / FCF	—	11.18	11.70	13.58	8.81	5.18	27.25	72.65	124.59	36.33	5.03

MPB Profitability

Margins and return-on-capital ratios measuring operating efficiency

Mid Penn Bancorp, Inc. earns an operating margin of 22.1%, roughly in line with the Financial Services sector average. Operating margins have expanded from 17.6% to 22.1% over the past 3 years, signaling improving operational efficiency. ROE of 7.7% is modest, trailing the sector median of 9.0%. ROIC of 6.8% represents adequate returns on invested capital versus a sector median of 5.4%.

Margins

Full margin charts and quarterly trend are on the Earnings History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Gross Margin	61.5%	61.5%	56.9%	63.6%	88.2%	87.7%	80.5%	75.4%	82.6%	86.6%	84.2%
Operating Margin	22.1%	22.1%	19.6%	17.6%	36.0%	25.1%	25.5%	19.8%	16.7%	23.4%	21.9%
Net Profit Margin	17.2%	17.2%	16.1%	14.7%	29.3%	20.4%	21.4%	16.4%	13.9%	14.3%	17.0%

Return on Capital

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
ROE	7.7%	7.7%	8.3%	7.1%	10.9%	7.9%	10.6%	7.7%	7.1%	9.7%	11.1%
ROA	1.0%	1.0%	0.9%	0.8%	1.2%	0.8%	1.0%	0.8%	0.7%	0.6%	0.8%
ROIC	6.8%	6.8%	5.5%	4.5%	8.1%	5.2%	6.7%	4.9%	4.0%	7.5%	6.3%
ROCE	8.8%	8.8%	8.3%	6.4%	9.6%	6.0%	7.5%	6.9%	6.1%	11.1%	9.2%

MPB Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

Mid Penn Bancorp, Inc. carries a Debt/EBITDA ratio of 0.8x, which is very conservative (82% below the sector average of 4.3x). Net debt stands at $13M ($59M total debt minus $47M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Debt / Equity	0.07	0.07	0.12	0.66	0.14	0.34	0.51	0.30	0.53	0.85	0.30
Debt / EBITDA	0.77	0.77	1.19	6.91	0.96	4.10	3.46	2.64	7.23	4.89	1.77
Net Debt / Equity	—	0.02	0.04	0.51	0.03	-0.04	0.38	0.18	0.40	0.55	0.08
Net Debt / EBITDA	0.16	0.16	0.42	5.35	0.18	-0.50	2.60	1.53	5.45	3.15	0.46
Debt / FCF	—	0.19	0.63	5.57	0.24	-0.32	9.44	10.67	43.97	8.27	0.26
Interest Coverage	0.58	0.58	0.46	0.50	3.79	2.44	1.59	0.85	1.00	1.84	1.88

MPB Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

The current ratio of 0.02x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.07x to 0.02x over the past 3 years.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Current Ratio	0.02	0.02	0.07	0.07	0.08	0.07	0.02	0.04	0.08	0.11	0.16
Quick Ratio	0.02	0.02	0.07	0.07	0.08	0.07	0.02	0.04	0.08	0.11	0.16
Cash Ratio	0.01	0.01	0.01	0.02	0.02	0.05	0.01	0.02	0.02	0.02	0.02
Asset Turnover	—	0.05	0.06	0.05	0.04	0.03	0.04	0.05	0.04	0.04	0.04
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—
Days Sales Outstanding	—	—	—	—	—	—	—	—	—	—	—

MPB Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Mid Penn Bancorp, Inc. returns 2.5% to shareholders annually — split between a 2.3% dividend yield and 0.3% buyback yield. The payout ratio of 32.3% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.

Dividends

Full dividend history and growth charts are on the Dividend History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Dividend Yield	2.3%	—	—	—	—	—	—	—	—	—	—
Payout Ratio	32.3%	32.3%	28.0%	34.7%	23.2%	30.3%	24.8%	37.8%	42.6%	31.1%	31.4%

Total Shareholder Return Metrics

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Earnings Yield	7.4%	8.2%	10.1%	9.4%	11.5%	8.5%	14.2%	7.2%	6.5%	5.0%	7.8%
FCF Yield	7.5%	9.1%	9.0%	12.5%	11.7%	18.2%	5.6%	1.6%	1.2%	3.6%	21.0%
Buyback Yield	0.3%	—	—	—	—	—	—	—	—	—	—
Total Shareholder Yield	2.5%	—	—	—	—	—	—	—	—	—	—
Shares Outstanding	—	$23M	$17M	$16M	$16M	$11M	$8M	$8M	$7M	$4M	$4M

Peer Comparison

Compare MPB with 10 similar companies in its peer group

Company	Market Cap	P/E	EV/EBITDA	P/FCF	Gross Margin	Op Margin	ROE	ROIC	Debt/EBITDA
MPBYou	$868M	13.4	11.4	13.3	61.5%	22.1%	7.7%	6.8%	0.8
NBTB	$3B	14.5	11.0	11.5	72.1%	25.3%	9.9%	7.9%	1.4
CZWI	$207M	14.7	15.7	19.9	54.7%	7.0%	7.9%	2.0%	5.8
FXNC	$273M	15.4	7.0	13.0	74.0%	19.6%	10.0%	7.7%	1.9
PFIS	$636M	10.8	11.6	14.7	66.6%	25.7%	12.0%	7.7%	3.6
FUNC	$272M	11.1	7.8	17.7	70.2%	27.3%	12.8%	7.1%	3.5
FRAF	$273M	12.8	17.7	11.1	64.3%	19.7%	13.3%	5.2%	8.2
CCNE	$972M	13.1	13.1	16.3	60.7%	20.4%	8.9%	6.3%	3.5
NFBK	$617M	746.5	63.8	11.8	35.3%	9.3%	0.1%	0.8%	39.6
CZNC	$395M	15.1	18.9	13.1	65.3%	18.6%	7.6%	4.2%	6.7
FHN	$12B	13.4	12.0	13.1	67.3%	25.7%	10.8%	7.0%	3.4
Financial Services Median	—	13.9	11.5	11.2	64.1%	20.2%	9.0%	5.4%	4.3

Peer selection based on competitive and market overlap. Compare multiple stocks →

Download Financial Ratios Data

Includes 30+ ratios · 30 years · Updated daily

MPB — Frequently Asked Questions

Quick answers to the most common questions about buying MPB stock.

What is Mid Penn Bancorp, Inc.'s P/E ratio?

Mid Penn Bancorp, Inc.'s current P/E ratio is 13.4x. The historical average is 13.9x. This places it at the 54th percentile of its historical range.

What is Mid Penn Bancorp, Inc.'s EV/EBITDA?

Mid Penn Bancorp, Inc.'s current EV/EBITDA is 11.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.3x.

What is Mid Penn Bancorp, Inc.'s ROE?

Mid Penn Bancorp, Inc.'s return on equity (ROE) is 7.7%. The historical average is 10.1%.

Is MPB stock overvalued?

Based on historical data, Mid Penn Bancorp, Inc. is trading at a P/E of 13.4x. This is at the 54th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What is Mid Penn Bancorp, Inc.'s dividend yield?

Mid Penn Bancorp, Inc.'s current dividend yield is 2.29% with a payout ratio of 32.3%.

What are Mid Penn Bancorp, Inc.'s profit margins?

Mid Penn Bancorp, Inc. has 61.5% gross margin and 22.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.

How much debt does Mid Penn Bancorp, Inc. have?

Mid Penn Bancorp, Inc.'s Debt/EBITDA ratio is 0.8x, indicating low leverage. A ratio below 2x is generally considered financially healthy.