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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 0.34
MPB's Cash to Debt is ranked lower than
76% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. MPB: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
MPB' s 10-Year Cash to Debt Range
Min: 0.08  Med: 1.13 Max: N/A
Current: 0.34
Equity to Asset 0.08
MPB's Equity to Asset is ranked lower than
70% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MPB: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
MPB' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.08
0.07
0.12
Interest Coverage 1.62
MPB's Interest Coverage is ranked higher than
50% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. MPB: 1.62 )
Ranked among companies with meaningful Interest Coverage only.
MPB' s 10-Year Interest Coverage Range
Min: 0.3  Med: 0.60 Max: 1.62
Current: 1.62
0.3
1.62
F-Score: 4
WACC vs ROIC
4.29%
5.50%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 20.91
MPB's Operating margin (%) is ranked lower than
71% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. MPB: 20.91 )
Ranked among companies with meaningful Operating margin (%) only.
MPB' s 10-Year Operating margin (%) Range
Min: -460.71  Med: 30.97 Max: 48.78
Current: 20.91
-460.71
48.78
Net-margin (%) 17.02
MPB's Net-margin (%) is ranked lower than
66% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. MPB: 17.02 )
Ranked among companies with meaningful Net-margin (%) only.
MPB' s 10-Year Net-margin (%) Range
Min: -10.58  Med: 28.13 Max: 391.65
Current: 17.02
-10.58
391.65
ROE (%) 7.90
MPB's ROE (%) is ranked lower than
52% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. MPB: 7.90 )
Ranked among companies with meaningful ROE (%) only.
MPB' s 10-Year ROE (%) Range
Min: -5.76  Med: 12.38 Max: 15.46
Current: 7.9
-5.76
15.46
ROA (%) 0.67
MPB's ROA (%) is ranked lower than
61% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MPB: 0.67 )
Ranked among companies with meaningful ROA (%) only.
MPB' s 10-Year ROA (%) Range
Min: -0.39  Med: 1.07 Max: 1.8
Current: 0.67
-0.39
1.8
ROC (Joel Greenblatt) (%) 42.87
MPB's ROC (Joel Greenblatt) (%) is ranked lower than
68% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.67 vs. MPB: 42.87 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MPB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -102.67  Med: 85.16 Max: 342.86
Current: 42.87
-102.67
342.86
Revenue Growth (3Y)(%) 5.40
MPB's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. MPB: 5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MPB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -35.9  Med: 5.95 Max: 133.6
Current: 5.4
-35.9
133.6
EBITDA Growth (3Y)(%) 6.00
MPB's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. MPB: 6.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MPB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23.6  Med: 3.60 Max: 18.2
Current: 6
-23.6
18.2
EPS Growth (3Y)(%) 9.70
MPB's EPS Growth (3Y)(%) is ranked higher than
51% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. MPB: 9.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MPB' s 10-Year EPS Growth (3Y)(%) Range
Min: -21.8  Med: 2.30 Max: 27.3
Current: 9.7
-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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Latest Guru Trades with MPB

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Ratios

vs
industry
vs
history
P/E(ttm) 12.10
MPB's P/E(ttm) is ranked higher than
63% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. MPB: 12.10 )
Ranked among companies with meaningful P/E(ttm) only.
MPB' s 10-Year P/E(ttm) Range
Min: 6.11  Med: 16.30 Max: 49.02
Current: 12.1
6.11
49.02
Forward P/E 10.13
MPB's Forward P/E is ranked higher than
68% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. MPB: 10.13 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.10
MPB's PE(NRI) is ranked higher than
63% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. MPB: 12.10 )
Ranked among companies with meaningful PE(NRI) only.
MPB' s 10-Year PE(NRI) Range
Min: 6.12  Med: 16.22 Max: 49.34
Current: 12.1
6.12
49.34
P/B 1.04
MPB's P/B is ranked higher than
55% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MPB: 1.04 )
Ranked among companies with meaningful P/B only.
MPB' s 10-Year P/B Range
Min: 0.56  Med: 1.05 Max: 2.59
Current: 1.04
0.56
2.59
P/S 1.92
MPB's P/S is ranked higher than
75% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. MPB: 1.92 )
Ranked among companies with meaningful P/S only.
MPB' s 10-Year P/S Range
Min: 0.95  Med: 1.90 Max: 9.58
Current: 1.92
0.95
9.58
PFCF 7.43
MPB's PFCF is ranked higher than
64% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. MPB: 7.43 )
Ranked among companies with meaningful PFCF only.
MPB' s 10-Year PFCF Range
Min: 1.81  Med: 13.72 Max: 52.63
Current: 7.43
1.81
52.63
POCF 6.65
MPB's POCF is ranked higher than
64% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. MPB: 6.65 )
Ranked among companies with meaningful POCF only.
MPB' s 10-Year POCF Range
Min: 1.73  Med: 9.83 Max: 26.4
Current: 6.65
1.73
26.4
EV-to-EBIT 17.92
MPB's EV-to-EBIT is ranked lower than
65% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. MPB: 17.92 )
Ranked among companies with meaningful EV-to-EBIT only.
MPB' s 10-Year EV-to-EBIT Range
Min: -13.1  Med: 14.00 Max: 95
Current: 17.92
-13.1
95
Shiller P/E 17.96
MPB's Shiller P/E is ranked lower than
55% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. MPB: 17.96 )
Ranked among companies with meaningful Shiller P/E only.
MPB' s 10-Year Shiller P/E Range
Min: 6.54  Med: 16.32 Max: 20.25
Current: 17.96
6.54
20.25
Days Sales Outstanding 40.93
MPB's Days Sales Outstanding is ranked lower than
59% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. MPB: 40.93 )
Ranked among companies with meaningful Days Sales Outstanding only.
MPB' s 10-Year Days Sales Outstanding Range
Min: 36.26  Med: 49.62 Max: 573.26
Current: 40.93
36.26
573.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.45
MPB's Dividend Yield is ranked lower than
54% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. MPB: 2.45 )
Ranked among companies with meaningful Dividend Yield only.
MPB' s 10-Year Dividend Yield Range
Min: 0.47  Med: 2.97 Max: 6.86
Current: 2.45
0.47
6.86
Dividend Payout 0.30
MPB's Dividend Payout is ranked higher than
56% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MPB: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
MPB' s 10-Year Dividend Payout Range
Min: 0.12  Med: 0.57 Max: 10
Current: 0.3
0.12
10
Dividend growth (3y) 20.50
MPB's Dividend growth (3y) is ranked higher than
76% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MPB: 20.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
MPB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 1.65 Max: 20.5
Current: 20.5
0
20.5
Yield on cost (5-Year) 2.44
MPB's Yield on cost (5-Year) is ranked lower than
61% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. MPB: 2.44 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MPB' s 10-Year Yield on cost (5-Year) Range
Min: 0.47  Med: 2.97 Max: 6.86
Current: 2.44
0.47
6.86
Share Buyback Rate -0.10
MPB's Share Buyback Rate is ranked higher than
76% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MPB: -0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
MPB' s 10-Year Share Buyback Rate Range
Min: 0.4  Med: 0.00 Max: -3.5
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
MPB's Price/Tangible Book is ranked higher than
54% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MPB: 1.11 )
Ranked among companies with meaningful Price/Tangible Book only.
MPB' s 10-Year Price/Tangible Book Range
Min: 0.62  Med: 1.85 Max: 2.88
Current: 1.11
0.62
2.88
Price/Projected FCF 0.50
MPB's Price/Projected FCF is ranked higher than
70% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. MPB: 0.50 )
Ranked among companies with meaningful Price/Projected FCF only.
MPB' s 10-Year Price/Projected FCF Range
Min: 0.3  Med: 0.81 Max: 1.44
Current: 0.5
0.3
1.44
Price/Median PS Value 1.01
MPB's Price/Median PS Value is ranked higher than
63% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. MPB: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
MPB' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 2.24 Max: 5.05
Current: 1.01
0.55
5.05
Price/Graham Number 0.77
MPB's Price/Graham Number is ranked higher than
59% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MPB: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
MPB' s 10-Year Price/Graham Number Range
Min: 0.36  Med: 1.13 Max: 1.6
Current: 0.77
0.36
1.6
Earnings Yield (Greenblatt) (%) 5.60
MPB's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MPB: 5.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MPB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.1  Med: 6.30 Max: 374
Current: 5.6
1.1
374
Forward Rate of Return (Yacktman) (%) 2.70
MPB's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. MPB: 2.70 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MPB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.1  Med: 8.40 Max: 23
Current: 2.7
-5.1
23

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 a full-service commercial banking and trust business, making available to the community a wide range of financial services, including, but not limited to, installment loans, 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 and various types of time and demand deposits, including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit and IRAs. In addition, the Bank provides a full range of trust services through its Trust Department. Deposits are insured by the Federal Deposit Insurance Corporation ("FDIC") to the extent provided by law. The Bank offers a variety of loan products to its customers, including loans secured by real estate, commercial and consumer loans. The Bank actively competes with other financial services companies for deposit, loan, and trust business. Competitors include other commercial banks, credit unions, savings banks, savings and loan associations, insurance companies, securities brokerage firms, finance companies, mutual funds, and service alternatives via the Internet. Bank holding companies and banks are extensively regulated under both Federal and state laws.
» More Articles for MPB

Headlines

Articles On GuruFocus.com
Mid Penn Bancorp Inc (MPB) CEO Rory G Ritrievi buys 3,000 Shares Aug 18 2009 
Mid Penn Bancorp Inc (MPB) CEO Rory G Ritrievi buys 3,000 Shares Aug 17 2009 
Mid Penn Bancorp, Inc. Reports Fourth Quarter Earnings Jan 23 2009 

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