Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Mid Penn Bancorp, Inc.'s quarterly P/E stands at 9.3x, down 6.7% year-over-year. EV/EBITDA has compressed 13.9% YoY to 6.7x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.44 | 9.34 | 7.54 | 32.05 | 9.12 | 10.01 | 10.08 | 7.73 | 6.85 | 8.32 | 8.99 | 19.03 | 9.15 |
| — | -6.7% | -25.2% | +314.6% | +33.1% | +20.4% | +12.1% | -59.4% | -25.1% | +9.9% | +21.4% | +117.4% | -3.1% | |
| P/S Ratio | 2.66 | 1.97 | 1.47 | 1.60 | 1.64 | 1.68 | 1.58 | 1.20 | 1.13 | 1.42 | 1.23 | 1.50 | 1.89 |
| — | +17.1% | -6.6% | +33.1% | +45.4% | +18.1% | +28.8% | -20.1% | -40.1% | -36.7% | -47.9% | -40.3% | -24.4% | |
| P/B Ratio | 0.97 | 0.89 | 0.70 | 0.70 | 0.75 | 0.81 | 0.86 | 0.65 | 0.60 | 0.74 | 0.63 | 0.70 | 0.80 |
| — | +10.6% | -19.5% | +8.1% | +24.4% | +8.8% | +36.8% | -7.0% | -24.5% | -20.2% | -30.9% | -19.4% | -7.9% | |
| P/FCF | 13.28 | — | 5.70 | 5.02 | 14.23 | — | 7.36 | 5.14 | 6.89 | 6.50 | 6.78 | 8.85 | 8.32 |
| — | — | -22.6% | -2.4% | +106.5% | — | +8.6% | -41.9% | -17.2% | -2.3% | -1.2% | -4.0% | -25.9% | |
| EV / EBITDA | 11.38 | 6.69 | 5.56 | 21.88 | 7.34 | 7.78 | 9.18 | 9.08 | 9.43 | 10.48 | 10.65 | 16.62 | 8.28 |
| — | -13.9% | -39.4% | +141.0% | -22.2% | -25.8% | -13.8% | -45.4% | +13.9% | +95.5% | +85.4% | +157.7% | -3.7% | |
| EV / EBIT | 12.17 | 7.06 | 6.06 | 31.90 | 8.05 | 8.60 | 10.25 | 10.17 | 10.50 | 11.79 | 11.35 | 25.71 | 9.23 |
| — | -17.9% | -40.9% | +213.8% | -23.4% | -27.0% | -9.6% | -60.5% | +13.7% | +85.9% | +89.7% | +243.1% | -3.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Mid Penn Bancorp, Inc.'s operating margin was 28.3% in Q4 2025, up 2.5 pp QoQ and up 7.8 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 20.3% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 15.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.5% | 67.1% | 65.1% | 60.2% | 61.3% | 58.1% | 56.4% | 55.2% | 58.1% | 58.6% | 58.9% | 64.7% | 72.4% |
| — | +15.5% | +15.4% | +9.0% | +5.5% | -0.8% | -4.2% | -14.7% | -19.8% | -29.9% | -34.1% | -27.7% | -20.7% | |
| Operating Margin | 22.1% | 28.3% | 25.8% | 5.0% | 22.0% | 20.5% | 19.0% | 18.8% | 20.0% | 20.3% | 16.9% | 8.1% | 25.6% |
| — | +37.9% | +36.1% | -73.3% | +10.1% | +1.1% | +12.2% | +131.5% | -21.7% | -44.2% | -57.1% | -76.8% | -21.3% | |
| Net Margin | 17.2% | 21.0% | 19.5% | 5.6% | 18.0% | 16.8% | 15.7% | 15.5% | 16.5% | 17.1% | 13.6% | 7.9% | 20.8% |
| — | +25.2% | +24.1% | -64.0% | +9.1% | -1.7% | +15.7% | +96.6% | -20.5% | -42.4% | -57.5% | -72.4% | -21.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.7% | 2.4% | 2.3% | 0.7% | 2.1% | 2.2% | 2.2% | 2.1% | 2.2% | 2.3% | 1.8% | 0.9% | 2.2% |
| — | +12.1% | +7.2% | -68.9% | -6.4% | -4.6% | +24.0% | +127.2% | +1.1% | -27.3% | -43.7% | -62.3% | -4.9% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% |
| — | +30.3% | +28.7% | -63.6% | +9.2% | +4.5% | +25.7% | +119.6% | -7.6% | -35.3% | -49.9% | -63.4% | +1.9% | |
| ROIC | 6.8% | 2.2% | 2.1% | 0.4% | 1.7% | 1.6% | 1.4% | 1.2% | 1.2% | 1.3% | 1.1% | 0.5% | 1.7% |
| — | +38.9% | +51.6% | -67.8% | +36.5% | +26.1% | +23.9% | +134.5% | -25.9% | -48.4% | -54.3% | -71.2% | +3.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Mid Penn Bancorp, Inc.'s Debt/EBITDA ratio is 2.2x, down from 2.9x last quarter — at a moderate level that warrants monitoring. The current ratio has weakened 78.4% YoY to 0.02x, tightening the short-term liquidity position. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.10 | 0.10 | 0.16 | 0.12 | 0.33 | 0.50 | 0.64 | 0.66 | 0.48 | 0.43 | 0.31 |
| — | -39.9% | -71.3% | -80.3% | -75.6% | -81.5% | -30.3% | +14.7% | +105.3% | +373.2% | +195.1% | +141.7% | -4.1% | |
| Debt / EBITDA | 0.77 | 2.15 | 2.89 | 12.18 | 5.64 | 4.44 | 11.53 | 17.41 | 21.42 | 22.01 | 20.68 | 29.59 | 10.28 |
| — | -51.6% | -74.9% | -30.1% | -73.7% | -79.8% | -44.3% | -41.2% | +108.3% | +606.6% | +407.0% | +481.2% | -0.8% | |
| Current Ratio | 0.02 | 0.02 | 0.09 | 0.09 | 0.07 | 0.07 | 0.07 | 0.06 | 0.07 | 0.07 | 0.07 | 0.08 | 0.08 |
| — | -78.4% | +15.9% | +47.2% | +10.5% | +0.6% | +9.5% | -16.2% | -15.5% | -13.9% | -25.3% | -7.2% | +45.8% | |
| Quick Ratio | 0.02 | 0.02 | 0.09 | 0.09 | 0.07 | 0.07 | 0.07 | 0.06 | 0.07 | 0.07 | 0.07 | 0.08 | 0.08 |
| — | -78.4% | +15.9% | +47.2% | +10.5% | +0.6% | +9.5% | -16.2% | -15.5% | -13.9% | -25.3% | -7.2% | +45.8% | |
| Interest Coverage | 0.58 | 0.86 | 0.73 | 0.13 | 0.57 | 0.51 | 0.44 | 0.44 | 0.46 | 0.49 | 0.44 | 0.25 | 0.97 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Mid Penn Bancorp, Inc.'s current P/E is 13.4x. The average P/E over the last 4 quarters is 14.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Mid Penn Bancorp, Inc.'s current operating margin is 22.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Mid Penn Bancorp, Inc.'s business trajectory between earnings reports.