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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 0.36
MPB's Cash to Debt is ranked higher than
62% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. MPB: 0.36 )
MPB' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.36

Equity to Asset 0.08
MPB's Equity to Asset is ranked higher than
60% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MPB: 0.08 )
MPB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.08

0.07
0.12
Interest Coverage 1.21
MPB's Interest Coverage is ranked higher than
67% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 0.17
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 (%) 26.95
MPB's Operating margin (%) is ranked higher than
71% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. MPB: 26.95 )
MPB' s 10-Year Operating margin (%) Range
Min: -460.71   Max: 48.78
Current: 26.95

-460.71
48.78
Net-margin (%) 21.46
MPB's Net-margin (%) is ranked higher than
75% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. MPB: 21.46 )
MPB' s 10-Year Net-margin (%) Range
Min: -10.58   Max: 391.65
Current: 21.46

-10.58
391.65
ROE (%) 11.21
MPB's ROE (%) is ranked higher than
85% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. MPB: 11.21 )
MPB' s 10-Year ROE (%) Range
Min: -4.7   Max: 15.46
Current: 11.21

-4.7
15.46
ROA (%) 0.86
MPB's ROA (%) is ranked higher than
76% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MPB: 0.86 )
MPB' s 10-Year ROA (%) Range
Min: -0.39   Max: 1.8
Current: 0.86

-0.39
1.8
ROC (Joel Greenblatt) (%) 48.50
MPB's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. MPB: 48.50 )
MPB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -102.67   Max: 342.86
Current: 48.5

-102.67
342.86
Revenue Growth (%) 5.70
MPB's Revenue Growth (%) is ranked higher than
87% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MPB: 5.70 )
MPB' s 10-Year Revenue Growth (%) Range
Min: -35.9   Max: 133.6
Current: 5.7

-35.9
133.6
EBITDA Growth (%) 18.20
MPB's EBITDA Growth (%) is ranked higher than
87% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MPB: 18.20 )
MPB' s 10-Year EBITDA Growth (%) Range
Min: -23.6   Max: 18.2
Current: 18.2

-23.6
18.2
EPS Growth (%) 27.30
MPB's EPS Growth (%) is ranked higher than
90% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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) 9.30
MPB's P/E(ttm) is ranked higher than
93% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. MPB: 9.30 )
MPB' s 10-Year P/E(ttm) Range
Min: 6.11   Max: 49.02
Current: 9.3

6.11
49.02
P/B 1.01
MPB's P/B is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. MPB: 1.01 )
MPB' s 10-Year P/B Range
Min: 0.56   Max: 2.88
Current: 1.01

0.56
2.88
P/S 1.88
MPB's P/S is ranked higher than
90% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. MPB: 1.88 )
MPB' s 10-Year P/S Range
Min: 0.95   Max: 9.58
Current: 1.88

0.95
9.58
PFCF 7.88
MPB's PFCF is ranked higher than
92% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MPB: 7.88 )
MPB' s 10-Year PFCF Range
Min: 1.81   Max: 52.63
Current: 7.88

1.81
52.63
EV-to-EBIT 11.98
MPB's EV-to-EBIT is ranked higher than
84% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. MPB: 11.98 )
MPB' s 10-Year EV-to-EBIT Range
Min: -13.1   Max: 95
Current: 11.98

-13.1
95
Shiller P/E 18.36
MPB's Shiller P/E is ranked higher than
87% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MPB: 18.36 )
MPB' s 10-Year Shiller P/E Range
Min: 6.47   Max: 22.86
Current: 18.36

6.47
22.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.20
MPB's Dividend Yield is ranked higher than
52% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. MPB: 2.20 )
MPB' s 10-Year Dividend Yield Range
Min: 0.47   Max: 6.86
Current: 2.2

0.47
6.86
Dividend Payout 0.18
MPB's Dividend Payout is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. MPB: 0.18 )
MPB' s 10-Year Dividend Payout Range
Min: 0.12   Max: 10
Current: 0.18

0.12
10
Yield on cost (5-Year) 2.20
MPB's Yield on cost (5-Year) is ranked lower than
52% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. MPB: 2.20 )
MPB' s 10-Year Yield on cost (5-Year) Range
Min: 0.47   Max: 6.86
Current: 2.2

0.47
6.86
Share Buyback Rate -0.10
MPB's Share Buyback Rate is ranked higher than
86% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.03
MPB's Price/Tangible Book is ranked higher than
84% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. MPB: 1.03 )
MPB' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 3.62
Current: 1.03

0.62
3.62
Price/DCF (Projected) 0.51
MPB's Price/DCF (Projected) is ranked higher than
91% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. MPB: 0.51 )
MPB' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.44
Current: 0.51

0.3
1.44
Price/Median PS Value 0.64
MPB's Price/Median PS Value is ranked higher than
97% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. MPB: 0.64 )
MPB' s 10-Year Price/Median PS Value Range
Min: 0.35   Max: 3.23
Current: 0.64

0.35
3.23
Price/Graham Number 0.61
MPB's Price/Graham Number is ranked higher than
92% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MPB: 0.61 )
MPB' s 10-Year Price/Graham Number Range
Min: 0.36   Max: 1.59
Current: 0.61

0.36
1.59
Earnings Yield (Greenblatt) 8.30
MPB's Earnings Yield (Greenblatt) is ranked higher than
81% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MPB: 8.30 )
MPB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 374
Current: 8.3

1.1
374
Forward Rate of Return (Yacktman) 3.08
MPB's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. MPB: 3.08 )
MPB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.1   Max: 23
Current: 3.08

-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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