Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Mid Penn BancorpMPB +0.47%58 OCF Margin % is 43.07% as of Jun. 2026, which is 42% above its 10-year median of 30.40. GuruFocus rates MPB with a GF Score™ of 58/100 and a GF Value™ of $30.82 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,495 Banks companies, Mid Penn Bancorp ranks better than 50.57% on this metric.
The historical data trend for Mid Penn Bancorp's OCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Mid Penn Bancorp's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mid Penn Bancorp OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mid Penn Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Mid Penn Bancorp's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Mid Penn Bancorp (MPB) has a OCF Margin % of 43.07% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mid Penn Bancorp and its competitors. This is 42% above median its historical median of 30.40. Over the past decade, Mid Penn Bancorp's OCF Margin % has ranged from 9.46 to 53.85. According to the industry distribution chart, Mid Penn Bancorp ranks #739 out of 1495 companies in the Banks industry, placing it in the top 49.4%.
Is Mid Penn Bancorp's OCF Margin % too high?
Mid Penn Bancorp's current OCF Margin % of 43.07% is 42% above median its 10-year median of 30.40. Over the past 10 years, this metric has ranged from a low of 9.46 to a high of 53.85. The Banks industry median OCF Margin % is 30.39. Mid Penn Bancorp's value of 43.07% is 41.7% above this industry median. Based on the distribution chart, Mid Penn Bancorp ranks #739 out of 1495 companies in the Banks industry, which is above the industry midpoint. Overall, Mid Penn Bancorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mid Penn Bancorp's OCF Margin % compare to HAFC and SBNC?
According to the Banks industry distribution chart, Mid Penn Bancorp ranks #739 out of 1495 companies for OCF Margin %. This puts Mid Penn Bancorp in the upper half of its industry. The industry median OCF Margin % is 30.39. Mid Penn Bancorp's value of 43.07% is 41.7% above this benchmark. Historically, Mid Penn Bancorp's own OCF Margin % has ranged from 9.46 to 53.85 over the past decade. While the company's 10-year median is 30.40 vs. the industry median of 30.39, Mid Penn Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.39, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mid Penn Bancorp's current OCF Margin % of 43.07% is 41.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mid Penn Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 30.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mid Penn Bancorp's current OCF Margin % is 43.07%, which is 42% above median its own 10-year median of 30.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mid Penn Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mid Penn Bancorp (MPB) is currently considered Modestly Overvalued. The stock's GF Value™ is $30.82, compared to a current price of $37.42 — trading 21.4% above its estimated fair value. The current OCF Margin % is 43.07%, which is 42% above median its 10-year median of 30.40 and 41.7% above the Banks industry median of 30.39. Mid Penn Bancorp's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Mid Penn Bancorp (MPB), the current OCF Margin % is 43.07% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mid Penn Bancorp (MPB) Overvalued in 2026?
Based on GuruFocus' analysis, Mid Penn Bancorp stock appears to be overvalued.
The current stock price of $37.42 is trading 21.4% above its estimated GF Value™ of $30.82.
GuruFocus considers Mid Penn Bancorp to be Modestly Overvalued.
Key valuation signals for MPB:
OCF Margin %: 43.07% (42% above median its 10-year median of 30.40)
GF Value™: $30.82 vs. price of $37.42 (21.4% above fair value)
Industry Position: 41.7% above the Banks median (#739 of 1495)
No single metric tells the full story. See the MPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mid Penn Bancorp Inc is a financial holding company, providing various banking and financial products and services through its subsidiaries. These products and services mainly include consumer banking products, including secure checking and savings accounts, mobile banking, agricultural loans, construction financing, mortgages, home equity loans and lines of credit, credit cards, and more. Additionally, the Group offers trust services, insurance products, wealth management, and private banking services. The Group caters to individuals, partnerships, non-profit organizations, and corporations through its retail banking offices located throughout Pennsylvania, with a minor portion in New Jersey.
58GF Score
Get the complete analysis for MPB
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MPB has been successfully added to your 
