Mid Penn Bancorp, Inc.

NASDAQ•MPB

CEO: Mr. Rory G. Ritrievi

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1997-12-04

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 individual retirement accounts. 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 trust, retail investment, wealth management, and insurance services; and provides online banking, telephone banking, cash management, and automated teller services, as well as safe deposit boxes. The company was founded in 1868 and is headquartered in Harrisburg, Pennsylvania.

Contact Information

2407 Park Drive, Harrisburg, PA, 17110, United States

866-642-7736

www.midpennbank.com

Market Cap

$791.77M

P/E (TTM)

14.1

21.6

Dividend Yield

2.9%

52W High

$35.22

52W Low

$25.82

52W Range

58%

Rank44Top 53.8%

3.7

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.7 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$77.59M+0.00%

4-Quarter Trend

EPS

$0.38+0.00%

4-Quarter Trend

FCF

$25.44M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong NIM Expansion FTE Net Interest Margin increased to 3.56% in 2025, driven by higher asset yields and lower funding costs compared to 2024.

Asset Growth via Acquisitions Total assets grew 12.1% to $6.13B by year-end 2025, significantly boosted by the William Penn Acquisition in April 2025.

Solid Capital Ratios CET1 ratio improved to 13.55% as of December 31, 2025, well exceeding the 7.0% minimum regulatory requirement.

Net Income Increased Net income available to common shareholders rose to $56.25M in 2025, despite lower diluted EPS of $2.55 due to increased share count.

Risk Factors

Rising Nonperforming Assets Total nonperforming assets increased to $30.8M (0.63% of loans) in 2025, primarily due to four new CRE/C&I loans placed on nonaccrual status.

Integration and Growth Risks Future growth relies on successfully integrating recent acquisitions (William Penn, 1st Colonial), facing risks of unforeseen costs and integration difficulties.

Interest Rate Volatility Risk Earnings remain highly sensitive to interest rate changes; volatile rate environments could adversely affect net interest income and overall financial condition.

Goodwill Impairment Potential Goodwill stands at $136.6M; significant adverse changes in business climate or stock price could necessitate future impairment charges.

Outlook

Continued Acquisition Strategy Mid Penn plans to pursue growth via acquisition, having recently completed major bank and nonbank mergers through early 2026.

Managing Credit Quality Management continues rigorous underwriting and monitoring, though the ACL methodology requires subjective forecasts impacting future provisioning.

Regulatory Capital Compliance Capital levels are strong, but future regulatory changes could increase requirements, potentially limiting dividend distributions or capital actions.

Technology Investment Focus Future success depends on keeping pace with technological advancements, requiring substantial investment in IT infrastructure and cybersecurity enhancements.

Peer Comparison

Revenue (TTM)

CUBI

$1.50B

+15.5%

MCB

$542.25M

+9.5%

CAC

$357.81M

+16.4%

Gross Margin (Latest Quarter)

CCBG

98.9%

+2.5pp

FCBC

89.1%

+4.8pp

HTBK

76.3%

+7.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CUBI	$2.46B	8.8	13.6%	7.4%
MCB	$905.49M	10.7	11.0%	0.4%
MCBS	$900.21M	12.0	15.1%	9.4%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-3.2%

Flat Growth

4Q Net Income CAGR

22.3%

Profitability Improved

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Jul 29, 2026

EPS:$0.85

Revenue:$73.30M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data