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MPBMid Penn Bancorp, Inc.
$34.92$885M
Overview & Verdict
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MPB logoMid Penn Bancorp, Inc.(MPB)Earnings, Financials & Key Ratios

MPB•NASDAQ•Banking & Credit
$34.92
13.9× P/E·Price updated Jul 7, 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%

MPB Price & Volume

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

Loading chart...

Aggressive Asset Expansion Masks Persistent Margin Compression

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Commercial Real Estate Concentration

Key Thesis Takeaways

  • Mid Penn Bancorp is currently navigating a complex transition as it aggressively scales its asset base to $7.0 billion, though this growth is currently offset by significant operational integration costs and a volatile non-interest income profile.
  • While the bank maintains a stable capital position with an equity-to-assets ratio of 0.13, investors should monitor the sustainability of its dividend payout given the recent spike in the efficiency ratio to 46.4%.
  • The bank's heavy reliance on a $6.3 billion investment securities portfolio suggests a strategic pivot that warrants further investigation into its long-term sensitivity to interest rate fluctuations and credit quality within its commercial real estate book.

Verdict Logic

while the bank shows robust asset growth, the combination of a 46.4% efficiency ratio and a 1.0% ROE suggests that the current valuation of 0.99x P/B may not fully reflect the risks associated with its concentrated commercial real estate exposure.

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%
TTM0.33%

EPS CAGR

10 Years5.54%
5 Years-4.06%
3 Years-9.85%
TTM-17.71%

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
Metric
Actual
Est
EPS
$0.64-20.0%
$0.80
Rev
$65M+2.9%
$63M
Q2 2026
Mar 12, 2026
Metric
Actual
Est
EPS
$0.83
—
Rev
$92M
—
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.83-1.2%
$0.84
Rev
$62M+0.3%
$62M
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$0.83-1.2%
$0.84
Rev
$62M+0.3%
$62M
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 →

Latest MPB News

Recent stock market news and headlines for Mid Penn Bancorp, Inc. (MPB)

Zacks Investment Research·5 days ago
Mid Penn Bancorp (MPB) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Mid Penn Bancorp (MPB) have what it takes?

Peers Comparison

Key metrics vs top competitors for Mid Penn Bancorp, Inc. (MPB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
MPB logoMPBMid Penn Bancorp, Inc.Current
$34.92$885.04M13.866.59%17.21%7.66%2.25%
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
FXNC logoFXNCFirst National Corporation
$29.30$264.9M14.9527.11%18.05%11.51%—
PFIS logoPFISPeoples Financial Services Corp.
$67.05$671.23M11.4022.26%20.68%11.5%—
FUNC logoFUNCFirst United Corporation
$43.96$283.4M11.666.6%20.89%12.7%—

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 SEC Filings & Documents

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

8-K Announcements

6
Material company update

May 12, 2026·SEC

Material company update

May 12, 2026·SEC

Material company update

Apr 21, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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MPB Frequently Asked Questions

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

Growth & Financials
How fast is Mid Penn Bancorp, Inc. growing?

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

Is MPB profitable?

Yes, Mid Penn Bancorp, Inc. (MPB) is profitable, generating $51.2M in net income for fiscal year 2025 (17.2% net margin).

Dividend & Returns
Does MPB pay dividends?

Yes, Mid Penn Bancorp, Inc. (MPB) pays a dividend with a yield of 2.25%. This makes it attractive for income-focused investors.

What is MPB's return on equity?

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

Industry Metrics
What is Mid Penn Bancorp, Inc.'s net interest margin?

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

What is Mid Penn Bancorp, Inc.'s efficiency ratio?

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

See returns →