Mid Penn Bancorp, Inc. (MPB) stock analysis

In our weekly check, Mid Penn Bancorp, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 6, red flags: 5.

About Mid Penn Bancorp, Inc.

Mid Penn Bancorp, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as MPB.

What our checks show for MPB

Red flags

• The gross margin fell by 26.2 points, to 61.5%: costs are rising faster than prices.
• The stock has fallen as much as 77% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 6.3 years.
• The share count grew by 41.9% in 2 years: each shareholder owns a smaller slice.

Warning signs

• The net margin fell by 3.2 points over 5 years, to 17.2%: the company keeps less of each sale as profit.
• Analysts expect only about 1.4% a year of growth in revenue.
• Earnings per share fell 9% a year over the last 3 years.
• A small company (market value $860 million): usually riskier and followed by fewer analysts.
• Thinly traded (about 113 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 9.6%.

Strengths

• Operating cash flow is 1.42x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 16.1% a year over the next years.
• Analysts expect the net margin to improve by 10.4 points from today's 17.2%.
• Revenue grew 20.4% a year over the last 3 years.
• Free cash flow is 22% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 32% of profit: there is a cushion.

Next earnings report: 2027-01-20

Similar companies

SPFI · SMBK · ALRS · AGBK · RCBC · NBBK

Questions

What grade does Mid Penn Bancorp, Inc. (MPB) have?

In our weekly check, Mid Penn Bancorp, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 6, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of MPB stock?

This week's biggest flags for Mid Penn Bancorp, Inc.: Gross margin falling, Deep past fall, Slow recovery after falls. In total 11 of 25 checks show a warning or a red flag.

What does Mid Penn Bancorp, Inc. do?

Mid Penn Bancorp, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as MPB.

When does Mid Penn Bancorp, Inc. report earnings next?

The next earnings report is expected on 2027-01-20. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

Open the full analysis