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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 0.79
MPB's Cash to Debt is ranked lower than
66% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. MPB: 0.79 )
Ranked among companies with meaningful Cash to Debt only.
MPB' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 1.02 Max: N/A
Current: 0.79
Equity to Asset 0.07
MPB's Equity to Asset is ranked lower than
79% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MPB: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
MPB' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.12
Current: 0.07
0.07
0.12
Interest Coverage 1.83
MPB's Interest Coverage is ranked higher than
52% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MPB: 1.83 )
Ranked among companies with meaningful Interest Coverage only.
MPB' s Interest Coverage Range Over the Past 10 Years
Min: 0.3  Med: 0.74 Max: 1.83
Current: 1.83
0.3
1.83
F-Score: 5
M-Score: -2.21
WACC vs ROIC
5.03%
7.07%
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 (%) 24.21
MPB's Operating margin (%) is ranked lower than
66% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. MPB: 24.21 )
Ranked among companies with meaningful Operating margin (%) only.
MPB' s Operating margin (%) Range Over the Past 10 Years
Min: -218.84  Med: 22.72 Max: 30.97
Current: 24.21
-218.84
30.97
Net-margin (%) 18.91
MPB's Net-margin (%) is ranked lower than
62% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. MPB: 18.91 )
Ranked among companies with meaningful Net-margin (%) only.
MPB' s Net-margin (%) Range Over the Past 10 Years
Min: -10.58  Med: 18.16 Max: 129.9
Current: 18.91
-10.58
129.9
ROE (%) 9.74
MPB's ROE (%) is ranked higher than
61% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. MPB: 9.74 )
Ranked among companies with meaningful ROE (%) only.
MPB' s ROE (%) Range Over the Past 10 Years
Min: -5.76  Med: 8.59 Max: 12.87
Current: 9.74
-5.76
12.87
ROA (%) 0.76
MPB's ROA (%) is ranked lower than
58% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. MPB: 0.76 )
Ranked among companies with meaningful ROA (%) only.
MPB' s ROA (%) Range Over the Past 10 Years
Min: -0.39  Med: 0.7 Max: 1.05
Current: 0.76
-0.39
1.05
Revenue Growth (3Y)(%) 4.30
MPB's Revenue Growth (3Y)(%) is ranked higher than
57% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. MPB: 4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MPB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.8  Med: 5.8 Max: 134.1
Current: 4.3
-35.8
134.1
EBITDA Growth (3Y)(%) 4.20
MPB's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. MPB: 4.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MPB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.5  Med: 3.6 Max: 18.2
Current: 4.2
-23.5
18.2
EPS Growth (3Y)(%) 5.00
MPB's EPS Growth (3Y)(%) is ranked lower than
57% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. MPB: 5.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MPB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -21.7  Med: 2.4 Max: 27.3
Current: 5
-21.7
27.3
» MPB's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-27)


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:RNDB, OTCPK:FDBC, NAS:HWBK, NAS:FSFG, OTCBB:JUVF, OTCPK:HLAN, NAS:AMRB, OTCPK:CPKF, OTCPK:BKGMF, OTCPK:FMBM, OTCPK:FNRN, OTCPK:EMYB, OTCPK:FOFN, OTCPK:BNCC, OTCPK:EFSI, OTCPK:FBTT, NAS:RBPAA, NAS:SBBX, OTCPK:KTYB, NAS:OVLY » details
Mid Penn Bancorp Inc is a bank holding company, which through Mid Penn Bank provides commercial banking and trust business, making available to the community a range of financial services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 14.12
MPB's P/E(ttm) is ranked higher than
52% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. MPB: 14.12 )
Ranked among companies with meaningful P/E(ttm) only.
MPB' s P/E(ttm) Range Over the Past 10 Years
Min: 6.12  Med: 11.64 Max: 48.26
Current: 14.12
6.12
48.26
PE(NRI) 14.05
MPB's PE(NRI) is ranked higher than
52% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. MPB: 14.05 )
Ranked among companies with meaningful PE(NRI) only.
MPB' s PE(NRI) Range Over the Past 10 Years
Min: 6.12  Med: 11.68 Max: 47.81
Current: 14.05
6.12
47.81
Price/Owner Earnings (ttm) 10.33
MPB's Price/Owner Earnings (ttm) is ranked higher than
64% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. MPB: 10.33 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MPB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.7  Med: 11.15 Max: 105.49
Current: 10.33
2.7
105.49
P/B 1.33
MPB's P/B is ranked lower than
61% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. MPB: 1.33 )
Ranked among companies with meaningful P/B only.
MPB' s P/B Range Over the Past 10 Years
Min: 0.56  Med: 1.01 Max: 2.44
Current: 1.33
0.56
2.44
P/S 2.57
MPB's P/S is ranked higher than
64% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. MPB: 2.57 )
Ranked among companies with meaningful P/S only.
MPB' s P/S Range Over the Past 10 Years
Min: 0.95  Med: 1.85 Max: 9.57
Current: 2.57
0.95
9.57
PFCF 4.62
MPB's PFCF is ranked higher than
74% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. MPB: 4.62 )
Ranked among companies with meaningful PFCF only.
MPB' s PFCF Range Over the Past 10 Years
Min: 1.81  Med: 8.55 Max: 55.25
Current: 4.62
1.81
55.25
POCF 4.45
MPB's POCF is ranked higher than
72% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. MPB: 4.45 )
Ranked among companies with meaningful POCF only.
MPB' s POCF Range Over the Past 10 Years
Min: 1.73  Med: 7.15 Max: 20.38
Current: 4.45
1.73
20.38
EV-to-EBIT 11.13
MPB's EV-to-EBIT is ranked higher than
56% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. MPB: 11.13 )
Ranked among companies with meaningful EV-to-EBIT only.
MPB' s EV-to-EBIT Range Over the Past 10 Years
Min: -13.1  Med: 12.5 Max: 95.1
Current: 11.13
-13.1
95.1
EV-to-EBITDA 9.37
MPB's EV-to-EBITDA is ranked higher than
59% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. MPB: 9.37 )
Ranked among companies with meaningful EV-to-EBITDA only.
MPB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -17.7  Med: 10.5 Max: 50.4
Current: 9.37
-17.7
50.4
PEG 1.26
MPB's PEG is ranked higher than
51% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. MPB: 1.26 )
Ranked among companies with meaningful PEG only.
MPB' s PEG Range Over the Past 10 Years
Min: 1.06  Med: 1.18 Max: 2.33
Current: 1.26
1.06
2.33
Shiller P/E 20.98
MPB's Shiller P/E is ranked higher than
50% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. MPB: 20.98 )
Ranked among companies with meaningful Shiller P/E only.
MPB' s Shiller P/E Range Over the Past 10 Years
Min: 5.26  Med: 13.09 Max: 21.02
Current: 20.98
5.26
21.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.99
MPB's Dividend Yield is ranked lower than
65% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. MPB: 1.99 )
Ranked among companies with meaningful Dividend Yield only.
MPB' s Dividend Yield Range Over the Past 10 Years
Min: 0.47  Med: 2.64 Max: 6.86
Current: 1.99
0.47
6.86
Dividend Payout 0.29
MPB's Dividend Payout is ranked higher than
58% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MPB: 0.29 )
Ranked among companies with meaningful Dividend Payout only.
MPB' s Dividend Payout Range Over the Past 10 Years
Min: 0.12  Med: 0.55 Max: 10
Current: 0.29
0.12
10
Dividend Growth (3y) 20.70
MPB's Dividend Growth (3y) is ranked higher than
74% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. MPB: 20.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MPB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 1.7 Max: 22.8
Current: 20.7
0
22.8
Forward Dividend Yield 2.00
MPB's Forward Dividend Yield is ranked lower than
69% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. MPB: 2.00 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.99
MPB's Yield on cost (5-Year) is ranked lower than
73% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. MPB: 1.99 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MPB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.47  Med: 2.64 Max: 6.86
Current: 1.99
0.47
6.86
3-Year Average Share Buyback Ratio -6.60
MPB's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. MPB: -6.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MPB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.6  Med: 0 Max: 1.6
Current: -6.6
-6.6
1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.43
MPB's Price/Tangible Book is ranked lower than
60% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MPB: 1.43 )
Ranked among companies with meaningful Price/Tangible Book only.
MPB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 1.74 Max: 2.88
Current: 1.43
0.62
2.88
Price/Projected FCF 0.56
MPB's Price/Projected FCF is ranked higher than
72% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. MPB: 0.56 )
Ranked among companies with meaningful Price/Projected FCF only.
MPB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.54 Max: 1.38
Current: 0.56
0.32
1.38
Price/Median PS Value 1.40
MPB's Price/Median PS Value is ranked lower than
74% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MPB: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
MPB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.57  Med: 2.23 Max: 5.17
Current: 1.4
0.57
5.17
Price/Peter Lynch Fair Value 2.40
MPB's Price/Peter Lynch Fair Value is ranked lower than
84% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MPB: 2.40 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MPB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1  Med: 1.95 Max: 3.54
Current: 2.4
1
3.54
Price/Graham Number 0.95
MPB's Price/Graham Number is ranked higher than
51% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. MPB: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
MPB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 1.1 Max: 1.72
Current: 0.95
0.42
1.72
Earnings Yield (Greenblatt) (%) 8.94
MPB's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. MPB: 8.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MPB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 6.6 Max: 374
Current: 8.94
1.1
374
Forward Rate of Return (Yacktman) (%) 18.35
MPB's Forward Rate of Return (Yacktman) (%) is ranked higher than
66% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. MPB: 18.35 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MPB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4.6  Med: 12.2 Max: 26.3
Current: 18.35
-4.6
26.3

More Statistics

Revenue (TTM) (Mil) $38.89
EPS (TTM) $ 1.68
Beta0.31
Short Percentage of Float0.06%
52-Week Range $14.65 - 24.75
Shares Outstanding (Mil)4.23
» 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 

More From Other Websites
Mid Penn Bank seeks regulatory approval to relocate Camp Hill branch Nov 28 2016
MID PENN BANCORP INC Financials Nov 18 2016
MID PENN BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 10 2016
MID PENN BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 04 2016
Mid Penn Bank seeks regulatory approval to open New Holland branch Nov 01 2016
Mid Penn Bank seeks regulatory approval to open New Holland branch Nov 01 2016
MID PENN BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 26 2016
Mid Penn Bancorp, Inc. Declares Quarterly Dividend Oct 26 2016
Mid Penn Bancorp, Inc. Declares Quarterly Dividend Oct 26 2016
Mid Penn Bancorp, Inc. :MPB-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25, 2016 Oct 25 2016
MID PENN BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 24 2016
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Mid Penn Bancorp, Inc. Reports Improvement in Quarterly and Year-Over-Year Earnings; Assets, Loans,... Oct 24 2016
Mid Penn Bancorp, Inc. : MPB-US: Dividend Analysis : August 10th, 2016 (record date) : By the... Oct 17 2016
Mid Penn Bank continues Lancaster County expansion with new Oregon Pike branch Oct 07 2016
Mid Penn Bank continues Lancaster County expansion with new Oregon Pike branch Oct 07 2016
MID PENN BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 13 2016
MID PENN BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 12 2016
MID PENN BANCORP INC Files SEC form 8-K, Regulation FD Disclosure Aug 09 2016
Mid Penn Bancorp, Inc. :MPB-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016

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