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Mid Penn Bancorp, Inc.

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
$739.76M
P/E (TTM)
14.8
14.8
Dividend Yield
2.6%
52W High
$32.14
52W Low
$22.50
52W Range
100%
Rank50Top 56.1%
3.5
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$94.02M+109.72%
4-Quarter Trend

EPS

$0.80+8.11%
4-Quarter Trend

FCF

$24.33M+44.54%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Interest Margin Expansion Q3 Net Interest Margin reached 3.60%, increasing 47 basis points year-over-year, driven by higher loan yields and asset growth.
Acquisition-Driven Balance Sheet Growth Total loans grew 8.5% to $4.82B and deposits increased 13.9% to $5.34B, largely reflecting the William Penn acquisition impact.
Increased Merger Related Expenses Noninterest expense rose 34.3% YTD to $116.4M, primarily due to $11.4 million in merger and acquisition costs recognized.
Robust Capital Adequacy Maintained Total Risk-Based Capital ratio stood strong at 15.50% as of September 30, 2025, well exceeding minimum regulatory requirements.

Risk Factors

Merger Integration Challenges Integrating William Penn and pending 1st Colonial merger creates risks regarding synergy realization and retention of critical key employees.
Rising Net Charge-offs YTD Net charge-offs increased to $899 thousand for the nine months ended September 30, 2025, compared to $409 thousand last year.
Interest Rate Risk Exposure Net interest income remains sensitive to Federal Reserve actions, requiring active asset-liability management to balance risk and reward.
Regulatory Capital Uncertainty Future changes in banking regulations could increase capital requirements, potentially placing adverse effects on capital resources.

Outlook

Future Acquisition Closings Expected Expect closing of the 1st Colonial merger and Cumberland Advisors acquisition in early 2026, driving further balance sheet expansion.
Credit Quality Monitoring Focus Management will closely monitor credit quality, especially for acquired PCD loans and general economic trends affecting repayment capacity.
Performance Metrics Tracking CODM will assess post-integration performance based on NIM, ROAA, ROAE, and core efficiency ratio trends.
Evaluating Tax Law Impacts The company is currently evaluating the impact of recent federal tax law changes regarding R&D expensing and depreciation rules.

Peer Comparison

Revenue (TTM)

Customers Bancorp, Inc.CUBI
$1.34B
-4.8%
Camden National CorporationCAC
$345.48M
+23.3%
First Financial CorporationTHFF
$340.98M
+16.6%

Gross Margin (Latest Quarter)

Heritage Commerce CorpHTBK
0.0%
+0.0pp
Orrstown Financial Services, Inc.ORRF
0.0%
+0.0pp
Mid Penn Bancorp, Inc.MPB
0.0%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CUBI$2.31B13.49.2%6.1%
CAC$765.39M13.59.2%10.7%
THFF$761.17M10.312.7%3.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
6.1%
Steady Growth
4Q Net Income CAGR
11.4%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 28, 2026
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EPS:-
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $94.02M+109.7%
    |
    EPS: $0.80+8.1%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $85.54M+11.8%
    |
    EPS: $0.22-69.0%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $77.02M+4.0%
    |
    EPS: $0.71-2.7%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 13, 2025|
    Revenue: $306.71M-30.2%
    |
    EPS: $2.90+26.6%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $44.83M-34.2%
    |
    EPS: $0.74+32.1%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $76.53M+24.6%
    |
    EPS: $0.71+144.8%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $74.03M+36.9%
    |
    EPS: $0.73+2.8%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 28, 2024|
    Revenue: $254.38M+35.9%
    |
    EPS: $2.29-33.4%
    Beat