Mid Penn Financials

MPB Stock  USD 32.07  0.23  0.71%   
Based on the analysis of Mid Penn's profitability, liquidity, and operating efficiency, Mid Penn Bancorp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At present, Mid Penn's Common Stock Shares Outstanding is projected to increase significantly based on the last few years of reporting. The current year's Total Assets is expected to grow to about 5.6 B, whereas Other Assets are forecasted to decline to about 278.4 K. Key indicators impacting Mid Penn's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.40.2289
Way Up
Slightly volatile
Return On Assets0.01020.0071
Way Up
Very volatile
Return On Equity0.110.069
Way Up
Slightly volatile
Debt Equity Ratio1.060.5692
Way Up
Very volatile
Operating Income46.9 M44.7 M
Sufficiently Up
Slightly volatile
Current Ratio0.03080.0324
Notably Down
Slightly volatile
The financial analysis of Mid Penn is a critical element in measuring its lifeblood. Investors should not minimize Mid Penn's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

39.27 Million

  
Understanding current and past Mid Penn Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Mid Penn's financial statements are interrelated, with each one affecting the others. For example, an increase in Mid Penn's assets may result in an increase in income on the income statement.
Please note, the presentation of Mid Penn's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Mid Penn's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Mid Penn's management manipulating its earnings.

Mid Penn Stock Summary

Mid Penn competes with Affinity Bancshares, Home Federal, Franklin Financial, ACNB, and LINKBANCORP. 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 was founded in 1868 and is headquartered in Harrisburg, Pennsylvania. Mid Penn operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 573 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS59540G1076
CUSIP59540G107
LocationPennsylvania; U.S.A
Business Address2407 Park Drive,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.midpennbank.com
Phone866 642 7736
CurrencyUSD - US Dollar

Mid Penn Key Financial Ratios

Mid Penn Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.2B3.0B4.7B4.5B5.3B5.6B
Net Debt42.1M98.1M(20.2M)115.9M276.1M289.9M
Retained Earnings50.9M70.2M91.0M133.1M146.0M153.3M
Accounts Payable2.2M2.0M1.8M2.3M14.3M15.0M
Other Assets1.9B2.7B3.9B3.4B293K278.4K
Total Liab2.0B2.7B4.2B4.0B4.7B5.0B
Short Term Debt29.9M125.6M72.6M105.3M241.5M253.6M
Common Stock8.5M8.5M16.1M16.1M17.0M17.8M
Cash30.4M32.8M187.1M57.8M45.4M38.7M
Net Receivables8.0M13.0M11.3M18.4M25.8M27.1M
Total Current Assets75.4M52.1M261.8M314.5M122.6M114.6M
Other Liab6.2M10.2M42.4M31.5M36.2M38.0M
Long Term Debt27.1M119.7M152.2M61.4M102.2M107.3M
Inventory(147.2M)(316.8M)(929.0M)(80.6M)19.6M20.6M
Other Current Liab(2.2M)(2.0M)69.1M(107.6M)3.5B3.7B
Other Current Assets147.2M316.8M929.0M80.6M122.9M116.7M
Intangible Assets5.8M4.4M9.4M7.3M6.5M6.8M
Net Tangible Assets169.3M188.5M366.8M390.6M449.2M471.7M
Capital Surpluse178.2M178.9M384.7M387.0M445.0M467.3M

Mid Penn Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense25.2M19.7M14.8M17.8M89.4M93.8M
Total Revenue82.8M103.8M127.6M169.3M236.3M248.2M
Gross Profit82.8M103.8M127.6M169.3M236.3M248.2M
Operating Income21.4M31.3M36.1M91.3M44.7M46.9M
Ebit21.4M31.3M34.4M67.3M44.7M46.9M
Ebitda22.9M37.8M40.7M73.8M44.7M22.7M
Income Before Tax21.4M31.3M36.1M67.3M44.7M46.9M
Net Income17.7M26.2M29.3M54.8M37.4M39.3M
Income Tax Expense3.7M5.1M6.7M12.5M7.3M7.7M
Tax Provision3.7M5.1M6.7M12.5M8.6M5.8M
Net Interest Income70.1M88.2M108.6M147.8M148.6M88.4M
Interest Income95.3M107.9M123.3M165.6M217.0M109.8M

Mid Penn Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash99.0M164.7M610.0M(852.9M)35.9M37.7M
Free Cash Flow3.9M10.4M62.4M55.7M49.2M51.6M
Depreciation6.1M6.5M6.4M8.2M6.9M7.2M
Other Non Cash Items(6.6M)(12.3M)18.4M14.1M1.3M1.6M
Dividends Paid6.7M6.5M8.9M12.7M13.0M13.6M
Capital Expenditures3.9M3.7M3.5M4.2M2.8M2.1M
Net Income17.7M26.2M29.3M54.8M37.4M39.3M
End Period Cash Flow139.0M303.7M913.8M60.9M96.8M67.3M
Investments(25.8M)(588.9M)(142.7M)(681.4M)(518.7M)(492.8M)
Change Receivables280K(5.0M)3.6M(7.1M)(6.4M)(6.1M)
Net Borrowings(61.8M)185.3M(132.7M)9.1M8.2M8.6M
Change To Netincome(4.2M)(13.2M)18.0M17.8M20.4M21.4M

Mid Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Mid Penn's current stock value. Our valuation model uses many indicators to compare Mid Penn value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Mid Penn competition to find correlations between indicators driving Mid Penn's intrinsic value. More Info.
Mid Penn Bancorp is rated below average in return on equity category among its peers. It is regarded fifth in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Mid Penn Bancorp is roughly  9.74 . At present, Mid Penn's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Mid Penn's earnings, one of the primary drivers of an investment's value.

Mid Penn Bancorp Systematic Risk

Mid Penn's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Mid Penn volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Mid Penn Bancorp correlated with the market. If Beta is less than 0 Mid Penn generally moves in the opposite direction as compared to the market. If Mid Penn Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Mid Penn Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Mid Penn is generally in the same direction as the market. If Beta > 1 Mid Penn moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Mid Penn Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Mid Penn's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Mid Penn growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.3)

At present, Mid Penn's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Mid Penn November 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Mid Penn help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Mid Penn Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Mid Penn Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Mid Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Mid Penn's daily price indicators and compare them against related drivers.

Complementary Tools for Mid Stock analysis

When running Mid Penn's price analysis, check to measure Mid Penn's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Mid Penn is operating at the current time. Most of Mid Penn's value examination focuses on studying past and present price action to predict the probability of Mid Penn's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Mid Penn's price. Additionally, you may evaluate how the addition of Mid Penn to your portfolios can decrease your overall portfolio volatility.
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