Stocks · Financial Services · Banks - Regional
Mid Penn Bancorp, Inc. MPB
$36.40 +1.36% Close, Oct 2, 2026 · NASDAQ · Market cap $922.6M
Strong growth
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 21.0% in a year.
- Operating margin widened to 24.1% from 16.3% a year earlier.
- The stock is in an uptrend: above its 200-day average for 237 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth93Exceptional
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 27%
- EPS growth (TTM, YoY)Top 37%
- FCF growth (TTM, YoY)Top 21%
- Revenue growth, 3-year CAGRTop 31%
- Revenue growth accelerationTop 22%
Quality66Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 24%
- Gross marginTop 48%
- Operating marginTop 44%
- Cash conversion (OCF / net income)Top 32%
- Accruals (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Top 43%
- Interest coverBottom 39%
Value67Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 31%
- Free-cash-flow yieldTop 36%
- EBITDA / enterprise valueTop 31%
- Sales / enterprise valueTop 37%
- P/E vs own 5-year history (lower is better)Bottom 25%
Momentum71Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 26%
- 6-month returnTop 34%
- 1-year return vs S&P 500Top 24%
- Distance from 52-week highTop 36%
- Trend checklist (0–4)Top 48%
Revisions13Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 23%
- Consecutive EPS beatsBottom 43%
- Upside to consensus price targetBottom 19%
Stability61Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 39%
- Maximum drawdown, 3 yearsTop 44%
- Beta vs S&P 500 (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Top 43%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 12.9% | 16.3% | ↑ |
| EPS growth (YoY) | -17.7% | 28.9% | ↑ |
| Gross margin | 59.0% | 66.2% | ↑ |
| Operating margin | 16.3% | 24.1% | ↑ |
| FCF margin | 15.9% | 24.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 16.3% | 12.9% | ↑ | Top 27% |
| EPS growth (TTM, YoY) | 28.9% | -17.7% | ↑ | Top 37% |
| Gross margin | 66.2% | 59.0% | ↑ | Top 48% |
| Operating margin | 24.1% | 16.3% | ↑ | Top 44% |
| Net margin | 18.4% | 13.8% | ↑ | — |
| Free-cash-flow margin | 24.9% | 15.9% | ↑ | — |
| Return on invested capital | 6.5% | — | Top 24% | |
| Revenue growth, 3-year CAGR | 20.4% | — | Top 31% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.45×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +0.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.73×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.33%
- Net buyback yield (TTM)
- -0.11%
- Shareholder yield
- 2.22%
- Share count change, 1 year
- +21.0%
- Share count change, 3-year CAGR
- +12.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -2.1%
- Average 2-day reaction, last 8
- +0.9%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $38.00
- Target vs current price
- +4.4%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +10.0% | -1.1% | +8.7% | +7.9% | — |
| Apr 21, 2026 | -20.0% | -2.8% | -1.8% | -7.4% | +4.5% |
| Jan 21, 2026 | -1.2% | +5.1% | -1.1% | +4.8% | +5.8% |
| Oct 22, 2025 | +2.7% | +0.8% | +8.3% | +2.0% | +17.3% |
| Jul 23, 2025 | +1.4% | +0.4% | -5.4% | -2.2% | -3.7% |
| Apr 23, 2025 | +10.8% | +2.9% | +10.2% | +7.5% | +10.2% |
| Jan 23, 2025 | +0.0% | +1.0% | +2.9% | -2.6% | -14.5% |
| Oct 23, 2024 | +4.2% | +0.8% | +4.4% | +2.5% | -3.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.87 | $0.79 | +10.0% | $75.9M |
| Apr 21, 2026 | $0.64 | $0.80 | -20.0% | $64.9M |
| Jan 21, 2026 | $0.83 | $0.84 | -1.2% | $62.0M |
| Oct 22, 2025 | $0.77 | $0.75 | +2.7% | $60.8M |
| Jul 23, 2025 | $0.70 | $0.69 | +1.4% | $53.7M |
| Apr 23, 2025 | $0.72 | $0.65 | +10.8% | $47.0M |
| Jan 23, 2025 | $0.71 | $0.71 | +0.0% | $47.4M |
| Oct 23, 2024 | $0.74 | $0.71 | +4.2% | $44.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.8× | 9.4× | 81th | Top 31% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 10.4× | — | — | Top 31% |
| EV / Sales | 2.67× | — | — | Top 37% |
| Free-cash-flow yield | 10.02% | — | — | Top 36% |
| Earnings yield | 8.46% | — | — | Top 31% |
P/E over the past five years
Range 5.4× – 13.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +26.5%
- Earnings per share growth (TTM)
- +28.9%
- Change in P/E multiple
- +7.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 237
- 50-day average slope (20 days)
- +1.7%
- 200-day average slope (20 days)
- +2.0%
- Distance from 50-day average
- -2.1%
- Distance from 200-day average
- +7.0%
- RSI (14)
- 48.7
- Relative volume
- 1.19×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.8%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.68
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -5.6%
- Maximum drawdown, 3 years
- -27.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 28, 2022 | May 9, 2023 | -45.8% | 131 days | 678 days (Jan 22, 2026) |
| Jan 6, 2022 | May 19, 2022 | -25.0% | 92 days | 111 days (Oct 27, 2022) |
| Dec 23, 2020 | Jan 27, 2021 | -16.7% | 22 days | 25 days (Mar 4, 2021) |
| Mar 11, 2021 | Apr 22, 2021 | -15.7% | 29 days | 136 days (Nov 3, 2021) |
| Feb 6, 2026 | Mar 18, 2026 | -11.8% | 27 days | 69 days (Jun 26, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $922.6M
- P/E (TTM)
- 11.8
- EPS, diluted (TTM)
- $3.08
- Revenue (TTM)
- $371.1M
- Dividend yield
- 2.58%
- 52-week range
- $26.56 – $39.15
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $143.8M | $187.3M | $254.4M | $306.7M | $326.9M |
| Gross profit | $126.1M | $165.2M | $161.7M | $174.7M | $201.0M |
| Operating income | $36.1M | $67.3M | $44.7M | $60.0M | $72.4M |
| Net income | $29.3M | $54.8M | $37.4M | $49.4M | $56.2M |
| EPS (diluted) | $2.71 | $3.44 | $2.29 | $2.90 | $2.52 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $78.4M | $78.8M | $76.3M | $85.5M | $94.0M | $92.4M | $77.6M | $107.1M |
| Net income | $12.3M | $13.2M | $13.7M | $4.8M | $18.3M | $19.4M | $8.7M | $21.7M |
| EPS (diluted) | $0.74 | $0.72 | $0.71 | $0.22 | $0.95 | $0.83 | $0.37 | $0.93 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $65.9M | $60.0M | $52.3M | $51.4M | $80.0M |
| Capital expenditure | -$3.5M | -$4.2M | -$2.8M | -$6.9M | -$8.2M |
| Free cash flow | $62.4M | $55.7M | $49.6M | $44.5M | $71.8M |
| Dividends paid | -$8.9M | -$12.7M | -$13.0M | -$13.8M | -$18.2M |
| Net share buybacks | $70.1M | -$1.8M | -$4.4M | $75.6M | $5.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $964.6M
- Total assets
- $7.06B
- Total liabilities
- $6.16B
- Total debt
- $156.7M
- Net debt
- $70.0M
- Shareholders’ equity
- $901.9M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.23 | Aug 14, 2026 |
| May 4, 2026 | $0.22 | May 15, 2026 |
| Feb 6, 2026 | $0.27 | Feb 17, 2026 |
| Nov 10, 2025 | $0.22 | Nov 24, 2025 |
| Aug 8, 2025 | $0.20 | Aug 25, 2025 |
| May 8, 2025 | $0.20 | May 26, 2025 |
| Feb 7, 2025 | $0.20 | Feb 18, 2025 |
| Nov 8, 2024 | $0.20 | Nov 25, 2024 |
Short interest
- Shares sold short
- 700,118
- Days to cover
- 7.58
- Change vs previous report
- +10.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 7, 2007
- 21-for-20
- Feb 6, 2006
- 21-for-20
- May 5, 2003
- 21-for-20
- Nov 8, 1999
- 21-for-20
- Nov 6, 1998
- 21-for-20