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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.32
MPB's Cash to Debt is ranked higher than
60% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MPB: 0.32 )
MPB' s 10-Year Cash to Debt Range
Min: 0.32   Max: 5.32
Current: 0.32

0.32
5.32
Equity to Asset 0.07
MPB's Equity to Asset is ranked higher than
51% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MPB: 0.07 )
MPB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.07

0.07
0.12
Interest Coverage 1.21
MPB's Interest Coverage is ranked higher than
68% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. MPB: 1.21 )
MPB' s 10-Year Interest Coverage Range
Min: 0.3   Max: 1.21
Current: 1.21

0.3
1.21
F-Score: 5
Z-Score: 0.12
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 22.56
MPB's Operating margin (%) is ranked higher than
63% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. MPB: 22.56 )
MPB' s 10-Year Operating margin (%) Range
Min: -20.76   Max: 48.78
Current: 22.56

-20.76
48.78
Net-margin (%) 18.15
MPB's Net-margin (%) is ranked higher than
68% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. MPB: 18.15 )
MPB' s 10-Year Net-margin (%) Range
Min: -10.58   Max: 35.21
Current: 18.15

-10.58
35.21
ROE (%) 9.33
MPB's ROE (%) is ranked higher than
79% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. MPB: 9.33 )
MPB' s 10-Year ROE (%) Range
Min: -4.91   Max: 14.66
Current: 9.33

-4.91
14.66
ROA (%) 0.69
MPB's ROA (%) is ranked higher than
68% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. MPB: 0.69 )
MPB' s 10-Year ROA (%) Range
Min: -0.38   Max: 1.64
Current: 0.69

-0.38
1.64
ROC (Joel Greenblatt) (%) 28.72
MPB's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. MPB: 28.72 )
MPB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -34.9   Max: 173.8
Current: 28.72

-34.9
173.8
Revenue Growth (%) 5.70
MPB's Revenue Growth (%) is ranked higher than
85% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MPB: 5.70 )
MPB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 9.1
Current: 5.7

0
9.1
EBITDA Growth (%) 18.20
MPB's EBITDA Growth (%) is ranked higher than
84% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MPB: 18.20 )
MPB' s 10-Year EBITDA Growth (%) Range
Min: -52.7   Max: 142.1
Current: 18.2

-52.7
142.1
EPS Growth (%) 27.30
MPB's EPS Growth (%) is ranked higher than
88% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. MPB: 27.30 )
MPB' s 10-Year EPS Growth (%) Range
Min: -21.8   Max: 27.3
Current: 27.3

-21.8
27.3
» MPB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 11.10
MPB's P/E(ttm) is ranked higher than
80% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. MPB: 11.10 )
MPB' s 10-Year P/E(ttm) Range
Min: 6.11   Max: 49.02
Current: 11.1

6.11
49.02
P/B 1.00
MPB's P/B is ranked higher than
73% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MPB: 1.00 )
MPB' s 10-Year P/B Range
Min: 0.56   Max: 2.88
Current: 1

0.56
2.88
P/S 1.83
MPB's P/S is ranked higher than
74% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. MPB: 1.83 )
MPB' s 10-Year P/S Range
Min: 0.95   Max: 9.58
Current: 1.83

0.95
9.58
PFCF 5.00
MPB's PFCF is ranked higher than
74% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. MPB: 5.00 )
MPB' s 10-Year PFCF Range
Min: 1.81   Max: 53.5
Current: 5

1.81
53.5
EV-to-EBIT 16.90
MPB's EV-to-EBIT is ranked higher than
60% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. MPB: 16.90 )
MPB' s 10-Year EV-to-EBIT Range
Min: 0.3   Max: 95
Current: 16.9

0.3
95
PEG 3.70
MPB's PEG is ranked lower than
58% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MPB: 3.70 )
MPB' s 10-Year PEG Range
Min: 3.7   Max: 36.56
Current: 3.7

3.7
36.56
Shiller P/E 18.40
MPB's Shiller P/E is ranked higher than
60% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. MPB: 18.40 )
MPB' s 10-Year Shiller P/E Range
Min: 6.47   Max: 22.86
Current: 18.4

6.47
22.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
MPB's Dividend Yield is ranked lower than
74% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. MPB: 1.40 )
MPB' s 10-Year Dividend Yield Range
Min: 0.47   Max: 6.86
Current: 1.4

0.47
6.86
Dividend Payout 0.11
MPB's Dividend Payout is ranked higher than
93% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. MPB: 0.11 )
MPB' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.78
Current: 0.11

0.11
0.78
Yield on cost (5-Year) 1.40
MPB's Yield on cost (5-Year) is ranked lower than
72% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. MPB: 1.40 )
MPB' s 10-Year Yield on cost (5-Year) Range
Min: 0.47   Max: 6.86
Current: 1.4

0.47
6.86
Share Buyback Rate -0.10
MPB's Share Buyback Rate is ranked higher than
87% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. MPB: -0.10 )
MPB' s 10-Year Share Buyback Rate Range
Min: 0.4   Max: -3.5
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
MPB's Price/Tangible Book is ranked higher than
74% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MPB: 1.10 )
MPB' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 2.98
Current: 1.1

0.62
2.98
Price/DCF (Projected) 0.50
MPB's Price/DCF (Projected) is ranked higher than
73% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. MPB: 0.50 )
MPB' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.16
Current: 0.5

0.3
1.16
Price/Median PS Value 0.50
MPB's Price/Median PS Value is ranked higher than
94% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MPB: 0.50 )
MPB' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 2.15
Current: 0.5

0.29
2.15
Price/Graham Number 0.70
MPB's Price/Graham Number is ranked higher than
77% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MPB: 0.70 )
MPB' s 10-Year Price/Graham Number Range
Min: 0.36   Max: 1.67
Current: 0.7

0.36
1.67
Earnings Yield (Greenblatt) 5.90
MPB's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MPB: 5.90 )
MPB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 374
Current: 5.9

1.1
374
Forward Rate of Return (Yacktman) 10.71
MPB's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. MPB: 10.71 )
MPB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.1   Max: 19.8
Current: 10.71

-1.1
19.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Mid Penn Bancorp, Inc., was incorporated in the Commonwealth of Pennsylvania in August 1991. It is a bank holding company for Mid Penn Bank. Mid Penn's business is to supervise and coordinate the business of its subsidiaries and to provide them with capital and resources. The Bank engages in full-service commercial banking and trust business, making available to the community a range of financial services, including, but not limited to, installment loans, personal loans, mortgage and home equity loans, secured and unsecured commercial and consumer loans, lines of credit, construction financing, farm loans, community development and local government loans and various types of time and demand deposits. In addition, the Bank provides trust services through its Trust Department. The Bank offers a variety of loan products to its customers, including loans secured by real estate, commercial and consumer loans. The Bank also offers other services such as Internet banking, telephone banking, cash management services, automated teller services and safe deposit boxes. The Bank mainly uses deposits and borrowings to finance lending and investment activities.The Bank presently has 14 offices located in Dauphin, Northumberland, Schuylkill, and Cumberland Counties, Pennsylvania. The Bank actively competes with other financial services companies for deposit and loan business. Competitors include other commercial banks, savings banks, savings and loan associations, insurance companies, securities brokerage firms, credit unions, finance companies, mutual funds, and money market funds. Bank holding companies and banks are extensively regulated under both Federal and state laws.

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