Mid Penn Bancp Financials
This page shows Mid Penn Bancp (MPB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Balance-sheet growth is being funded more by added equity than by leverage, improving resilience while noticeably muting per-share earnings power.
From FY2023 to FY2025, total equity expanded from$542M to$814M , a much faster build than the income line alone would suggest. Even with ROA improving to0.9% , ROE remained about6.9% , which implies the institution is carrying a thicker capital cushion and allowing less leverage to amplify results.
Cash conversion looks sturdier than accounting profit alone implies: FY2025 operating cash flow of
Per-share earnings did not keep up with total profit: diluted EPS fell to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Mid Penn Bancp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Mid Penn Bancp's revenue grew 13.0% year-over-year to $323.8M, a solid pace of expansion. This earns a growth score of 62/100.
Mid Penn Bancp has elevated debt relative to equity (D/E of 6.54), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Mid Penn Bancp converts 22.2% of revenue into free cash flow ($71.8M). This strong cash generation earns a score of 75/100.
Mid Penn Bancp generates a 6.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 27/100. This is down from 7.5% the prior year.
Mid Penn Bancp passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Mid Penn Bancp generates $1.42 in operating cash flow ($80.0M OCF vs $56.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Mid Penn Bancp generated $323.8M in revenue in fiscal year 2025. This represents an increase of 13.0% from the prior year.
Mid Penn Bancp reported $56.2M in net income in fiscal year 2025. This represents an increase of 13.8% from the prior year.
Mid Penn Bancp earned $2.55 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 12.1% from the prior year.
Cash & Balance Sheet
Mid Penn Bancp generated $71.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 61.5% from the prior year.
Mid Penn Bancp paid $0.84 per share in dividends in fiscal year 2025. This represents an increase of 5.0% from the prior year.
Mid Penn Bancp had 23M shares outstanding in fiscal year 2025. This represents an increase of 19.1% from the prior year.
Margins & Returns
Mid Penn Bancp's net profit margin was 17.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.1 percentage points from the prior year.
Mid Penn Bancp's ROE was 6.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the prior year.
Capital Allocation
Mid Penn Bancp spent $2.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 596.6% from the prior year.
Mid Penn Bancp invested $8.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 19.1% from the prior year.
MPB Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $83.9M-1.4% | $85.1M-2.0% | $86.9M+8.6% | $80.0M+11.5% | $71.7M-2.1% | $73.3M-0.7% | $73.8M+3.7% | $71.2M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $23.3M+16.6% | $20.0M-4.4% | $20.9M+0.9% | $20.8M+27.2% | $16.3M-3.8% | $16.9M+4.9% | $16.2M+4.0% | $15.5M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $28.7M-5.6% | $30.4M-8.6% | $33.2M+4.5% | $31.8M+8.8% | $29.2M-8.7% | $32.0M-4.9% | $33.7M+3.7% | $32.5M |
| Income Tax | $2.6M-65.7% | $7.6M+26.9% | $6.0M+1343.1% | -$480K-115.7% | $3.1M+3.8% | $3.0M+14.8% | $2.6M+3.0% | $2.5M |
| Net Income | $8.7M-55.2% | $19.4M+6.3% | $18.3M+284.2% | $4.8M-65.3% | $13.7M+3.9% | $13.2M+7.6% | $12.3M+4.5% | $11.8M |
| EPS (Diluted) | $0.36 | N/A | $0.79+259.1% | $0.22-69.0% | $0.71 | N/A | $0.74+4.2% | $0.71 |
MPB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.0B+13.5% | $6.1B-2.1% | $6.3B-1.4% | $6.4B+14.6% | $5.5B+1.4% | $5.5B-1.0% | $5.5B+2.5% | $5.4B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $157.1M+15.0% | $136.6M0.0% | $136.6M+0.8% | $135.5M+5.7% | $128.2M0.0% | $128.2M0.0% | $128.2M+0.9% | $127.0M |
| Total Liabilities | $6.1B+14.2% | $5.3B-2.8% | $5.5B-1.9% | $5.6B+14.4% | $4.9B+1.3% | $4.8B-2.8% | $5.0B+2.5% | $4.8B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $887.4M+9.0% | $814.1M+2.2% | $796.3M+2.7% | $775.7M+16.1% | $667.9M+2.0% | $655.0M+14.3% | $573.1M+2.4% | $559.7M |
| Retained Earnings | $222.2M+1.1% | $219.7M+7.0% | $205.3M+7.2% | $191.6M+0.1% | $191.5M+5.4% | $181.6M+5.4% | $172.2M+5.5% | $163.3M |
MPB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.5M+9.0% | $13.3M-49.5% | $26.3M-6.1% | $28.0M+123.6% | $12.5M+205.6% | $4.1M-75.7% | $16.9M-6.6% | $18.0M |
| Capital Expenditures | $1.4M-21.1% | $1.8M-7.2% | $1.9M+10.4% | $1.8M-35.2% | $2.7M-56.5% | $6.3M+34633.3% | $18K-93.9% | $295K |
| Free Cash Flow | $13.0M+13.8% | $11.5M-52.9% | $24.3M-7.2% | $26.2M+167.6% | $9.8M+554.5% | -$2.2M-112.8% | $16.8M-5.1% | $17.7M |
| Investing Cash Flow | $33.9M+252.9% | -$22.2M-971.1% | $2.5M-98.2% | $140.1M+475.7% | -$37.3M-76.7% | -$21.1M+78.6% | -$98.8M-326.5% | -$23.2M |
| Financing Cash Flow | -$6.1M+95.9% | -$149.3M-37.6% | -$108.5M-276.4% | $61.5M+0.1% | $61.5M+208.1% | -$56.8M-147.1% | $120.6M+182.0% | $42.8M |
| Dividends Paid | $6.2M+22.7% | $5.1M+11.7% | $4.6M-2.3% | $4.7M+20.3% | $3.9M0.0% | $3.9M+16.4% | $3.3M+0.2% | $3.3M |
| Share Buybacks | N/A | $246K+8.8% | $226K-87.3% | $1.8M | $0 | $0 | $0 | $0 |
MPB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 10.4%-12.5pp | 22.8%+1.8pp | 21.1%+15.1pp | 5.9%-13.2pp | 19.1%+1.1pp | 18.1%+1.4pp | 16.7%+0.1pp | 16.5% |
| Return on Equity | 1.0%-1.4pp | 2.4%+0.1pp | 2.3%+1.7pp | 0.6%-1.4pp | 2.1%+0.0pp | 2.0%-0.1pp | 2.1%+0.0pp | 2.1% |
| Return on Assets | 0.1%-0.2pp | 0.3%+0.0pp | 0.3%+0.2pp | 0.1%-0.2pp | 0.3%+0.0pp | 0.2%+0.0pp | 0.2%0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.85+0.3 | 6.54-0.3 | 6.87-0.3 | 7.19-0.1 | 7.30-0.0 | 7.35-1.3 | 8.64+0.0 | 8.63 |
| FCF Margin | 15.5%+2.1pp | 13.5%-14.6pp | 28.0%-4.8pp | 32.8%+19.1pp | 13.7%+16.6pp | -2.9%-25.7pp | 22.8%-2.1pp | 24.9% |
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Frequently Asked Questions
What is Mid Penn Bancp's annual revenue?
Mid Penn Bancp (MPB) reported $323.8M in total revenue for fiscal year 2025. This represents a 13.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Mid Penn Bancp's revenue growing?
Mid Penn Bancp (MPB) revenue grew by 13% year-over-year, from $286.6M to $323.8M in fiscal year 2025.
Is Mid Penn Bancp profitable?
Yes, Mid Penn Bancp (MPB) reported a net income of $56.2M in fiscal year 2025, with a net profit margin of 17.4%.
What is Mid Penn Bancp's net profit margin?
Mid Penn Bancp (MPB) had a net profit margin of 17.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Mid Penn Bancp pay dividends?
Yes, Mid Penn Bancp (MPB) paid $0.84 per share in dividends during fiscal year 2025.
What is Mid Penn Bancp's return on equity (ROE)?
Mid Penn Bancp (MPB) has a return on equity of 6.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Mid Penn Bancp's free cash flow?
Mid Penn Bancp (MPB) generated $71.8M in free cash flow during fiscal year 2025. This represents a 61.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Mid Penn Bancp's operating cash flow?
Mid Penn Bancp (MPB) generated $80.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Mid Penn Bancp's total assets?
Mid Penn Bancp (MPB) had $6.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Mid Penn Bancp's capital expenditures?
Mid Penn Bancp (MPB) invested $8.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Mid Penn Bancp's debt-to-equity ratio?
Mid Penn Bancp (MPB) had a debt-to-equity ratio of 6.54 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Mid Penn Bancp's return on assets (ROA)?
Mid Penn Bancp (MPB) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Mid Penn Bancp's Piotroski F-Score?
Mid Penn Bancp (MPB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Mid Penn Bancp's earnings high quality?
Mid Penn Bancp (MPB) has an earnings quality ratio of 1.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Mid Penn Bancp?
Mid Penn Bancp (MPB) scores 27 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.