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Mid Penn Bancorp (MPB) Financials

Mid Penn Bancorp logo
$26.87 -0.40 (-1.47%)
Closing price 04:00 PM Eastern
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$26.87 0.00 (0.00%)
As of 04:04 PM Eastern
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Annual Income Statements for Mid Penn Bancorp

Annual Income Statements for Mid Penn Bancorp

This table shows Mid Penn Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 49 37 55
Consolidated Net Income / (Loss)		 49 37 55
Net Income / (Loss) Continuing Operations		 49 37 55
Total Pre-Tax Income 		60 45 67
Total Revenue		 179 167 171
Net Interest Income / (Expense)		 157 147 148
Total Interest Income		 287 236 166
Loans and Leases Interest Income		 266 218 150
Investment Securities Interest Income		 18 18 13
Deposits and Money Market Investments Interest Income		 1.13 0.36 0.07
Federal Funds Sold and Securities Borrowed Interest Income		 1.93 0.37 1.83
Total Interest Expense		 130 89 18
Deposits Interest Expense		 116 79 14
Short-Term Borrowings Interest Expense		 11 7.09 0.44
Long-Term Debt Interest Expense		 3.02 2.98 3.18
Total Non-Interest Income		 22 20 24
Other Service Charges		 7.81 5.63 7.79
Net Realized & Unrealized Capital Gains on Investments		 0.35 0.57 0.26
Other Non-Interest Income		 14 14 16
Provision for Credit Losses		 1.52 3.70 4.30
Total Non-Interest Expense		 118 119 100
Salaries and Employee Benefits		 64 59 53
Net Occupancy & Equipment Expense		 22 20 19
Other Operating Expenses		 29 32 26
Amortization Expense		 1.78 1.78 2.01
Restructuring Charge		 0.55 5.54 0.29
Income Tax Expense		 11 7.30 13
Basic Earnings per Share		 $2.90 $2.29 $3.44
Weighted Average Basic Shares Outstanding		 17.03M 16.32M 15.91M
Diluted Earnings per Share		 $2.90 $2.29 $3.44
Weighted Average Diluted Shares Outstanding		 17.07M 16.35M 15.93M
Weighted Average Basic & Diluted Shares Outstanding		 19.36M 16.57M 15.89M
Cash Dividends to Common per Share		 $0.80 $0.80 $0.80

Quarterly Income Statements for Mid Penn Bancorp

This table shows Mid Penn Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 13 12 12 12 12 9.24 4.84 11 16 15
Consolidated Net Income / (Loss)		 13 12 12 12 12 9.24 4.84 11 16 15
Net Income / (Loss) Continuing Operations		 13 12 12 12 12 9.24 4.84 11 16 15
Total Pre-Tax Income 		16 15 14 15 14 12 4.98 14 19 19
Total Revenue		 47 45 44 42 42 43 42 40 45 45
Net Interest Income / (Expense)		 41 40 39 36 37 37 36 36 39 39
Total Interest Income		 73 74 71 68 66 63 57 50 47 43
Loans and Leases Interest Income		 68 68 66 63 61 59 52 46 42 38
Investment Securities Interest Income		 4.58 4.50 4.51 4.42 4.44 4.49 4.35 4.26 4.17 3.77
Deposits and Money Market Investments Interest Income		 0.15 0.22 0.35 0.40 0.14 0.09 0.08 0.05 0.04 0.01
Federal Funds Sold and Securities Borrowed Interest Income		 0.47 1.04 0.28 0.14 0.23 0.05 0.05 0.05 0.04 0.74
Total Interest Expense		 32 34 32 32 29 26 20 14 8.17 3.60
Deposits Interest Expense		 31 31 28 26 26 24 18 12 7.00 2.84
Short-Term Borrowings Interest Expense		 0.51 2.30 3.32 4.45 2.51 1.58 1.51 1.49 0.44 0.00
Long-Term Debt Interest Expense		 0.69 0.69 0.69 0.96 0.80 0.79 0.70 0.69 0.73 0.76
Total Non-Interest Income		 6.15 5.18 5.33 5.84 5.12 5.35 5.22 4.33 6.71 5.96
Other Service Charges		 2.42 1.27 1.69 2.44 1.28 1.74 1.67 0.94 3.43 1.52
Net Realized & Unrealized Capital Gains on Investments		 0.02 0.15 0.07 0.11 0.36 0.09 0.13 0.00 - 0.15
Other Non-Interest Income		 3.71 3.76 3.57 3.29 3.48 3.52 3.42 3.39 3.29 4.29
Provision for Credit Losses		 0.33 0.52 1.60 -0.94 -0.67 2.09 1.56 0.72 0.53 1.55
Total Non-Interest Expense		 31 30 28 29 28 29 35 26 25 25
Salaries and Employee Benefits		 17 16 16 15 15 15 15 14 13 14
Net Occupancy & Equipment Expense		 5.73 5.39 5.36 5.32 5.11 5.14 5.07 5.08 4.85 4.56
Other Operating Expenses		 7.33 7.85 6.91 7.31 7.60 8.00 9.58 6.35 6.39 6.06
Amortization Expense		 0.47 0.46 0.43 0.43 0.49 0.48 0.46 0.34 0.50 0.51
Restructuring Charge		 0.44 0.11 0.00 0.00 -0.02 0.35 4.99 0.22 0.29 0.00
Income Tax Expense		 2.95 2.57 2.50 2.58 2.29 2.27 0.14 2.59 3.58 3.63
Basic Earnings per Share		 $0.72 $0.74 $0.71 $0.73 $0.73 $0.56 $0.29 $0.71 $0.99 $0.97
Weighted Average Basic Shares Outstanding		 17.03M 16.61M 16.58M 16.57M 16.32M 16.57M 16.23M 15.89M 15.91M 15.88M
Diluted Earnings per Share		 $0.72 $0.74 $0.71 $0.73 $0.74 $0.56 $0.29 $0.70 $0.99 $0.97
Weighted Average Diluted Shares Outstanding		 17.07M 16.66M 16.61M 16.61M 16.35M 16.59M 16.26M 15.93M 15.93M 15.89M
Weighted Average Basic & Diluted Shares Outstanding		 19.36M 16.62M 16.70M 16.69M 16.57M 16.67M 16.57M 15.91M 15.89M 15.88M

Annual Cash Flow Statements for Mid Penn Bancorp

This table details how cash moves in and out of Mid Penn Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -26 36 -853
Net Cash From Operating Activities		 51 52 60
Net Cash From Continuing Operating Activities		 51 52 60
Net Income / (Loss) Continuing Operations		 49 37 55
Consolidated Net Income / (Loss)		 49 37 55
Provision For Loan Losses		 1.52 3.70 4.30
Depreciation Expense		 4.87 4.90 4.28
Amortization Expense		 2.36 2.43 2.92
Non-Cash Adjustments to Reconcile Net Income		 -0.15 -2.87 14
Changes in Operating Assets and Liabilities, net		 -6.65 6.78 -21
Net Cash From Investing Activities		 -209 -409 -705
Net Cash From Continuing Investing Activities		 -209 -409 -705
Purchase of Property, Leasehold Improvements and Equipment		 -6.92 -2.77 -4.25
Acquisitions		 0.00 0.00 -19
Purchase of Investment Securities		 -258 -439 -711
Sale of Property, Leasehold Improvements and Equipment		 0.16 0.00 0.22
Divestitures		 -2.68 1.07 -0.90
Sale and/or Maturity of Investments		 57 31 30
Other Investing Activities, net		 1.29 0.86 0.29
Net Cash From Financing Activities		 131 392 -208
Net Cash From Continuing Financing Activities		 131 392 -208
Net Change in Deposits		 344 286 -203
Issuance of Debt		 -240 164 103
Issuance of Common Equity		 76 0.00 0.00
Repayment of Debt		 -35 -31 -77
Repurchase of Preferred Equity		 0.00 -10 -17
Repurchase of Common Equity		 -0.32 -4.88 -2.96
Payment of Dividends		 -14 -13 -13
Other Financing Activities, Net		 0.56 0.48 1.14
Cash Interest Paid		 131 77 17
Cash Income Taxes Paid		 0.85 7.97 7.55

Quarterly Cash Flow Statements for Mid Penn Bancorp

This table details how cash moves in and out of Mid Penn Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -74 39 38 -29 -21 24 31 1.52 -34 -142
Net Cash From Operating Activities		 4.10 17 18 12 15 13 11 13 18 18
Net Cash From Continuing Operating Activities		 4.10 17 18 12 15 13 11 13 18 18
Net Income / (Loss) Continuing Operations		 13 12 12 12 12 9.24 4.84 11 16 15
Consolidated Net Income / (Loss)		 13 12 12 12 12 9.24 4.84 11 16 15
Provision For Loan Losses		 0.33 0.52 1.60 -0.94 -0.67 2.09 1.56 0.72 0.53 1.55
Depreciation Expense		 1.20 1.23 1.24 1.19 1.26 1.25 1.19 1.20 1.23 1.06
Amortization Expense		 0.61 0.61 0.57 0.57 0.65 0.64 0.63 0.52 0.74 0.71
Non-Cash Adjustments to Reconcile Net Income		 2.78 1.10 -4.83 0.82 0.10 2.46 -6.26 0.83 7.53 2.43
Changes in Operating Assets and Liabilities, net		 -14 1.09 7.68 -1.37 1.22 -2.49 9.37 -1.32 -7.36 -3.40
Net Cash From Investing Activities		 -21 -99 -23 -66 -101 -107 -107 -94 -212 -176
Net Cash From Continuing Investing Activities		 -21 -99 -23 -66 -101 -107 -107 -94 -212 -176
Purchase of Property, Leasehold Improvements and Equipment		 -6.25 -0.02 -0.30 -0.35 -0.06 -0.87 -0.92 -0.92 -0.52 -1.19
Purchase of Investment Securities		 -35 -112 -39 -71 -108 -115 -117 -99 -198 -184
Sale of Property, Leasehold Improvements and Equipment		 0.01 -0.67 0.79 0.03 -0.06 - 0.03 0.03 -1.69 1.79
Sale and/or Maturity of Investments		 20 15 15 5.79 5.72 8.01 11 6.35 7.30 7.33
Other Investing Activities, net		 0.15 1.14 -0.24 0.24 0.44 0.55 -0.24 0.11 0.29 -
Net Cash From Financing Activities		 -57 121 43 25 65 118 127 82 160 16
Net Cash From Continuing Financing Activities		 -57 121 43 25 65 118 127 82 160 16
Net Change in Deposits		 -17 210 118 33 -34 95 126 100 70 27
Issuance of Debt		 -112 -86 -72 30 103 27 49 -15 103 -
Repayment of Debt		 -0.11 -0.11 -0.11 -35 0.22 0.01 -31 -0.09 -0.09 -0.14
Payment of Dividends		 -3.87 -3.32 -3.32 -3.31 -3.32 -3.31 -3.18 -3.18 -3.18 -3.17
Other Financing Activities, Net		 0.13 0.15 0.13 0.15 0.14 0.14 0.11 0.10 0.09 0.14
Cash Interest Paid		 38 33 31 30 21 31 15 11 7.70 6.09
Cash Income Taxes Paid		 0.56 0.29 - - 3.57 0.43 - - 4.05 -

Annual Balance Sheets for Mid Penn Bancorp

This table presents Mid Penn Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 5,471 5,291 4,498
Cash and Due from Banks		 37 45 53
Federal Funds Sold		 19 17 3.11
Interest Bearing Deposits at Other Banks		 14 35 4.41
Trading Account Securities		 650 627 640
Loans and Leases, Net of Allowance		 4,408 4,219 3,495
Loans and Leases		 4,443 4,253 3,514
Allowance for Loan and Lease Losses		 36 34 19
Premises and Equipment, Net		 39 37 34
Goodwill		 128 127 114
Intangible Assets		 6.24 6.48 7.26
Other Assets		 169 178 146
Total Liabilities & Shareholders' Equity		 5,471 5,291 4,498
Total Liabilities		 4,816 4,748 3,986
Non-Interest Bearing Deposits		 759 801 794
Interest Bearing Deposits		 3,931 3,545 2,984
Short-Term Debt		 2.00 242 103
Accrued Interest Payable		 13 14 2.30
Long-Term Debt		 69 105 61
Other Long-Term Liabilities		 41 41 41
Total Equity & Noncontrolling Interests		 655 542 512
Total Preferred & Common Equity		 655 542 512
Total Common Equity		 655 542 512
Common Stock		 500 423 403
Retained Earnings		 182 146 133
Treasury Stock		 -10 -9.72 -4.88
Accumulated Other Comprehensive Income / (Loss)		 -17 -17 -19

Quarterly Balance Sheets for Mid Penn Bancorp

This table presents Mid Penn Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 5,527 5,392 5,330 5,216 5,089 4,583 4,334
Cash and Due from Banks		 58 37 33 53 71 51 76
Federal Funds Sold		 68 43 2.92 53 9.71 6.02 14
Interest Bearing Deposits at Other Banks		 19 26 32 13 13 5.00 4.52
Trading Account Securities		 650 610 620 624 641 240 651
Loans and Leases, Net of Allowance		 4,396 4,329 4,284 4,112 4,002 3,580 3,304
Loans and Leases		 4,432 4,365 4,317 4,146 4,035 3,611 3,322
Allowance for Loan and Lease Losses		 36 35 34 34 33 31 18
Premises and Equipment, Net		 34 34 36 39 39 34 36
Goodwill		 128 127 127 130 129 114 114
Intangible Assets		 6.71 5.63 6.05 6.97 7.45 6.92 7.22
Other Assets		 168 180 190 186 176 147 127
Total Liabilities & Shareholders' Equity		 5,527 5,392 5,330 5,216 5,089 4,583 4,334
Total Liabilities		 4,954 4,832 4,779 4,687 4,563 4,068 3,835
Non-Interest Bearing Deposits		 792 766 808 805 830 797 863
Interest Bearing Deposits		 3,915 3,731 3,571 3,577 3,456 3,081 2,867
Short-Term Debt		 114 200 272 139 112 88 -
Accrued Interest Payable		 19 18 16 15 11 5.81 1.84
Long-Term Debt		 70 70 70 105 106 57 71
Other Long-Term Liabilities		 45 47 42 46 47 40 33
Total Equity & Noncontrolling Interests		 573 560 551 529 526 511 499
Total Preferred & Common Equity		 573 560 551 529 526 511 499
Total Common Equity		 573 560 551 529 526 511 499
Common Stock		 424 424 423 422 422 403 403
Retained Earnings		 172 163 155 137 131 130 121
Treasury Stock		 -10 -10 -10 -9.46 -9.46 -4.88 -4.88
Accumulated Other Comprehensive Income / (Loss)		 -13 -17 -17 -21 -18 -17 -19

Annual Metrics And Ratios for Mid Penn Bancorp

This table displays calculated financial ratios and metrics derived from Mid Penn Bancorp's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 7.30% -2.63% 31.81%
EBITDA Growth		 29.28% -30.21% 80.24%
EBIT Growth		 34.32% -33.64% 86.81%
NOPAT Growth		 32.20% -31.76% 86.93%
Net Income Growth		 32.20% -31.76% 86.93%
EPS Growth		 26.64% -33.43% 26.94%
Operating Cash Flow Growth		 -1.82% -12.75% -8.97%
Free Cash Flow Firm Growth		 220.81% -822.34% 121.10%
Invested Capital Growth		 -18.32% 31.53% 4.72%
Revenue Q/Q Growth		 3.06% -1.87% 6.36%
EBITDA Q/Q Growth		 2.59% -8.72% 34.82%
EBIT Q/Q Growth		 3.08% -9.89% 38.46%
NOPAT Q/Q Growth		 2.35% -8.83% 38.07%
Net Income Q/Q Growth		 2.35% -8.83% 38.07%
EPS Q/Q Growth		 -0.68% -9.84% 51.54%
Operating Cash Flow Q/Q Growth		 -16.49% -6.67% -9.03%
Free Cash Flow Firm Q/Q Growth		 227.94% -8.34% 139.56%
Invested Capital Q/Q Growth		 -4.02% 15.01% 18.62%
Profitability Metrics		 - - -
EBITDA Margin		 37.54% 31.16% 43.47%
EBIT Margin		 33.51% 26.77% 39.27%
Profit (Net Income) Margin		 27.59% 22.40% 31.96%
Tax Burden Percent		 82.35% 83.67% 81.38%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 17.65% 16.33% 18.62%
Return on Invested Capital (ROIC)		 6.12% 4.78% 8.29%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.12% 4.78% 8.29%
Return on Net Nonoperating Assets (RNNOA)		 2.14% 2.32% 2.64%
Return on Equity (ROE)		 8.26% 7.09% 10.94%
Cash Return on Invested Capital (CROIC)		 26.28% -22.45% 3.68%
Operating Return on Assets (OROA)		 1.12% 0.91% 1.47%
Return on Assets (ROA)		 0.92% 0.76% 1.19%
Return on Common Equity (ROCE)		 8.26% 7.09% 10.94%
Return on Equity Simple (ROE_SIMPLE)		 7.55% 6.90% 10.70%
Net Operating Profit after Tax (NOPAT)		 49 37 55
NOPAT Margin		 27.59% 22.40% 31.96%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.94% 47.76% 41.70%
Operating Expenses to Revenue		 65.65% 71.02% 58.22%
Earnings before Interest and Taxes (EBIT)		 60 45 67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 67 52 75
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.73 0.72 0.86
Price to Tangible Book Value (P/TBV)		 0.91 0.95 1.13
Price to Revenue (P/Rev)		 2.66 2.33 2.58
Price to Earnings (P/E)		 9.63 10.40 8.06
Dividend Yield		 2.79% 3.43% 2.88%
Earnings Yield		 10.38% 9.62% 12.41%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.72 0.81
Enterprise Value to Revenue (EV/Rev)		 2.66 3.83 3.18
Enterprise Value to EBITDA (EV/EBITDA)		 7.09 12.28 7.31
Enterprise Value to EBIT (EV/EBIT)		 7.94 14.30 8.09
Enterprise Value to NOPAT (EV/NOPAT)		 9.65 17.09 9.94
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.28 12.21 9.08
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.25 0.00 22.39
Leverage & Solvency		 - - -
Debt to Equity		 0.11 0.64 0.32
Long-Term Debt to Equity		 0.11 0.19 0.12
Financial Leverage		 0.35 0.48 0.32
Leverage Ratio		 8.99 9.28 9.17
Compound Leverage Factor		 8.99 9.28 9.17
Debt to Total Capital		 9.82% 39.01% 24.26%
Short-Term Debt to Total Capital		 0.28% 27.16% 15.18%
Long-Term Debt to Total Capital		 9.55% 11.85% 9.07%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 90.18% 60.99% 75.74%
Debt to EBITDA		 1.06 6.67 2.20
Net Debt to EBITDA		 0.01 4.81 1.38
Long-Term Debt to EBITDA		 1.03 2.03 0.82
Debt to NOPAT		 1.44 9.28 2.99
Net Debt to NOPAT		 0.02 6.69 1.88
Long-Term Debt to NOPAT		 1.40 2.82 1.12
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 212 -176 24
Operating Cash Flow to CapEx		 760.97% 1,889.57% 1,488.98%
Free Cash Flow to Firm to Interest Expense		 1.63 -1.97 1.37
Operating Cash Flow to Interest Expense		 0.40 0.59 3.38
Operating Cash Flow Less CapEx to Interest Expense		 0.34 0.55 3.15
Efficiency Ratios		 - - -
Asset Turnover		 0.03 0.03 0.04
Fixed Asset Turnover		 4.73 4.68 5.07
Capital & Investment Metrics		 - - -
Invested Capital		 726 889 676
Invested Capital Turnover		 0.22 0.21 0.26
Increase / (Decrease) in Invested Capital		 -163 213 30
Enterprise Value (EV)		 477 639 545
Market Capitalization		 476 389 442
Book Value per Share		 $39.41 $32.54 $32.24
Tangible Book Value per Share		 $31.32 $24.53 $24.59
Total Capital		 726 889 676
Total Debt		 71 347 164
Total Long-Term Debt		 69 105 61
Net Debt		 0.78 250 103
Capital Expenditures (CapEx)		 6.75 2.77 4.03
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 71 347 164
Total Depreciation and Amortization (D&A)		 7.23 7.33 7.20
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.90 $2.29 $3.44
Adjusted Weighted Average Basic Shares Outstanding		 17.03M 16.32M 15.91M
Adjusted Diluted Earnings per Share		 $2.90 $2.29 $3.44
Adjusted Weighted Average Diluted Shares Outstanding		 17.07M 16.35M 15.93M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.36M 16.57M 15.89M
Normalized Net Operating Profit after Tax (NOPAT)		 50 42 55
Normalized NOPAT Margin		 27.84% 25.17% 32.10%
Pre Tax Income Margin		 33.51% 26.77% 39.27%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.46 0.50 3.79
NOPAT to Interest Expense		 0.38 0.42 3.08
EBIT Less CapEx to Interest Expense		 0.41 0.47 3.56
NOPAT Less CapEx to Interest Expense		 0.33 0.39 2.86
Payout Ratios		 - - -
Dividend Payout Ratio		 27.96% 34.71% 23.24%
Augmented Payout Ratio		 28.61% 47.75% 28.63%

Quarterly Metrics And Ratios for Mid Penn Bancorp

This table displays calculated financial ratios and metrics derived from Mid Penn Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 12.61% 5.89% 5.83% 4.75% -7.01% -5.61% 2.46% 0.52% 29.28% 39.59%
EBITDA Growth		 10.42% 24.68% 136.60% 6.08% -23.38% -35.78% -59.56% -0.49% 957.96% 67.24%
EBIT Growth		 12.44% 29.21% 186.60% 6.49% -25.42% -39.76% -66.86% -0.75% 3,170.85% 58.45%
NOPAT Growth		 9.37% 33.19% 143.40% 8.07% -23.04% -40.34% -60.53% -1.12% 2,489.62% 58.18%
Net Income Growth		 9.37% 33.19% 143.40% 8.07% -23.04% -40.34% -60.53% -1.12% 2,489.62% 58.18%
EPS Growth		 -2.70% 32.14% 144.83% 4.29% -25.25% -42.27% -62.34% -1.41% 650.00% 12.79%
Operating Cash Flow Growth		 -72.04% 27.71% 59.27% -5.84% -20.34% -26.01% -11.96% 20.76% -24.47% 31.51%
Free Cash Flow Firm Growth		 187.60% 114.81% 55.17% -3,775.84% -1,262.37% -126.33% -271.88% -109.53% 89.75% -177.77%
Invested Capital Growth		 -18.32% -2.13% 11.51% 35.32% 31.53% 35.66% 29.51% 2.63% 4.72% 21.59%
Revenue Q/Q Growth		 4.59% 2.84% 4.26% 0.42% -1.66% 2.79% 3.20% -10.86% -0.18% 11.58%
EBITDA Q/Q Growth		 7.63% 3.97% -2.42% 1.12% 21.54% 97.29% -56.25% -26.96% 1.87% 24.23%
EBIT Q/Q Growth		 8.82% 4.24% -3.01% 2.21% 25.04% 131.22% -63.96% -28.42% 1.00% 27.19%
NOPAT Q/Q Growth		 7.57% 4.50% -2.98% 0.29% 30.99% 90.98% -56.93% -28.58% 1.54% 26.35%
Net Income Q/Q Growth		 7.57% 4.50% -2.98% 0.29% 30.99% 90.98% -56.93% -28.58% 1.54% 26.35%
EPS Q/Q Growth		 -2.70% 4.23% -2.74% -1.35% 32.14% 93.10% -58.57% -29.29% 2.06% 25.97%
Operating Cash Flow Q/Q Growth		 -75.69% -6.56% 45.32% -20.11% 11.01% 16.53% -14.08% -28.33% 3.12% 38.65%
Free Cash Flow Firm Q/Q Growth		 512.79% 138.93% 66.58% -9.89% -3.63% -17.79% -2,789.51% 61.37% 82.78% -189.45%
Invested Capital Q/Q Growth		 -4.02% -8.78% -7.10% 0.42% 15.01% 3.93% 12.74% -2.40% 18.62% -0.78%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 37.93% 36.86% 36.46% 38.96% 38.69% 31.30% 16.31% 38.47% 46.95% 46.01%
EBIT Margin		 34.12% 32.80% 32.36% 34.78% 34.17% 26.88% 11.95% 34.22% 42.61% 42.11%
Profit (Net Income) Margin		 27.90% 27.13% 26.69% 28.69% 28.72% 21.57% 11.61% 27.81% 34.71% 34.12%
Tax Burden Percent		 81.76% 82.71% 82.51% 82.48% 84.06% 80.24% 97.15% 81.27% 81.45% 81.02%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.24% 17.29% 17.49% 17.52% 15.94% 19.76% 2.85% 18.73% 18.55% 18.98%
Return on Invested Capital (ROIC)		 6.19% 6.16% 5.81% 6.24% 6.13% 5.46% 3.04% 7.33% 9.01% 10.59%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.19% 6.16% 5.81% 6.24% 6.13% 5.46% 3.04% 7.33% 9.01% 10.59%
Return on Net Nonoperating Assets (RNNOA)		 2.16% 2.40% 2.61% 2.89% 2.97% 1.68% 0.88% 2.17% 2.87% 2.38%
Return on Equity (ROE)		 8.35% 8.56% 8.43% 9.13% 9.10% 7.14% 3.92% 9.50% 11.88% 12.97%
Cash Return on Invested Capital (CROIC)		 26.28% 8.46% -5.13% -25.08% -22.45% -24.16% -18.55% 5.80% 3.68% -11.84%
Operating Return on Assets (OROA)		 1.14% 1.06% 1.06% 1.19% 1.17% 0.96% 0.44% 1.27% 1.59% 1.74%
Return on Assets (ROA)		 0.93% 0.88% 0.87% 0.98% 0.98% 0.77% 0.43% 1.03% 1.30% 1.41%
Return on Common Equity (ROCE)		 8.35% 8.56% 8.43% 9.13% 9.10% 7.14% 3.92% 9.50% 11.88% 12.97%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.43% 8.08% 6.95% 0.00% 7.76% 8.99% 10.70% 0.00% 7.95%
Net Operating Profit after Tax (NOPAT)		 13 12 12 12 12 9.24 4.84 11 16 15
NOPAT Margin		 27.90% 27.13% 26.69% 28.69% 28.72% 21.57% 11.61% 27.81% 34.71% 34.12%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.82% 47.51% 47.37% 49.15% 48.25% 47.63% 48.23% 46.88% 40.38% 39.99%
Operating Expenses to Revenue		 65.18% 66.07% 64.01% 67.43% 67.41% 68.25% 84.31% 64.00% 56.23% 54.47%
Earnings before Interest and Taxes (EBIT)		 16 15 14 15 14 12 4.98 14 19 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 18 17 16 16 16 13 6.80 16 21 21
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.73 0.86 0.65 0.59 0.72 0.60 0.64 0.75 0.86 0.85
Price to Tangible Book Value (P/TBV)		 0.91 1.13 0.85 0.78 0.95 0.82 0.86 0.99 1.13 1.13
Price to Revenue (P/Rev)		 2.66 2.85 2.12 1.93 2.33 1.88 1.94 2.24 2.58 2.64
Price to Earnings (P/E)		 9.63 10.25 8.04 8.51 10.40 7.79 7.10 7.04 8.06 10.74
Dividend Yield		 2.79% 2.70% 3.67% 4.07% 3.43% 4.15% 3.79% 3.30% 2.88% 2.98%
Earnings Yield		 10.38% 9.76% 12.44% 11.75% 9.62% 12.84% 14.08% 14.21% 12.41% 9.31%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.71 0.64 0.67 0.72 0.58 0.62 0.71 0.81 0.71
Enterprise Value to Revenue (EV/Rev)		 2.66 3.07 3.08 3.55 3.83 2.62 2.66 2.72 3.18 2.50
Enterprise Value to EBITDA (EV/EBITDA)		 7.09 8.15 8.48 11.33 12.28 7.82 7.13 6.28 7.31 7.28
Enterprise Value to EBIT (EV/EBIT)		 7.94 9.17 9.62 13.16 14.30 8.99 8.04 6.95 8.09 8.27
Enterprise Value to NOPAT (EV/NOPAT)		 9.65 11.06 11.66 15.66 17.09 10.87 9.73 8.55 9.94 10.14
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.28 8.68 9.12 11.73 12.21 7.95 7.57 7.51 9.08 6.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.25 8.25 0.00 0.00 0.00 0.00 0.00 12.38 22.39 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.11 0.32 0.48 0.62 0.64 0.46 0.41 0.28 0.32 0.14
Long-Term Debt to Equity		 0.11 0.12 0.12 0.13 0.19 0.20 0.20 0.11 0.12 0.14
Financial Leverage		 0.35 0.39 0.45 0.46 0.48 0.31 0.29 0.30 0.32 0.22
Leverage Ratio		 8.99 9.75 9.65 9.34 9.28 9.29 9.20 9.21 9.17 9.18
Compound Leverage Factor		 8.99 9.75 9.65 9.34 9.28 9.29 9.20 9.21 9.17 9.18
Debt to Total Capital		 9.82% 24.28% 32.53% 38.30% 39.01% 31.62% 29.31% 22.09% 24.26% 12.43%
Short-Term Debt to Total Capital		 0.28% 15.08% 24.11% 30.44% 27.16% 17.98% 15.11% 13.42% 15.18% 0.00%
Long-Term Debt to Total Capital		 9.55% 9.20% 8.42% 7.86% 11.85% 13.64% 14.20% 8.66% 9.07% 12.43%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 90.18% 75.72% 67.47% 61.70% 60.99% 68.38% 70.69% 77.91% 75.74% 87.57%
Debt to EBITDA		 1.06 2.80 4.34 6.46 6.67 4.29 3.38 1.94 2.20 1.28
Net Debt to EBITDA		 0.01 0.60 2.64 5.17 4.81 2.22 1.93 1.11 1.38 -0.43
Long-Term Debt to EBITDA		 1.03 1.06 1.12 1.32 2.03 1.85 1.64 0.76 0.82 1.28
Debt to NOPAT		 1.44 3.80 5.97 8.93 9.28 5.96 4.61 2.65 2.99 1.79
Net Debt to NOPAT		 0.02 0.81 3.63 7.15 6.69 3.08 2.63 1.51 1.88 -0.60
Long-Term Debt to NOPAT		 1.40 1.44 1.54 1.83 2.82 2.57 2.23 1.04 1.12 1.79
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 176 29 -74 -221 -201 -194 -165 -5.70 -15 -86
Operating Cash Flow to CapEx		 65.63% 2,452.69% 0.00% 3,889.97% 12,005.74% 1,516.55% 1,276.44% 1,479.01% 833.12% 0.00%
Free Cash Flow to Firm to Interest Expense		 5.50 0.85 -2.27 -6.96 -6.90 -7.48 -8.18 -0.40 -1.81 -23.83
Operating Cash Flow to Interest Expense		 0.13 0.50 0.56 0.39 0.50 0.51 0.56 0.93 2.25 4.96
Operating Cash Flow Less CapEx to Interest Expense		 -0.07 0.48 0.57 0.38 0.50 0.48 0.52 0.87 1.98 5.12
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.73 4.79 4.66 4.81 4.68 4.54 4.57 4.84 5.07 5.23
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 726 757 830 893 889 773 744 660 676 570
Invested Capital Turnover		 0.22 0.23 0.22 0.22 0.21 0.25 0.26 0.26 0.26 0.31
Increase / (Decrease) in Invested Capital		 -163 -16 86 233 213 203 170 17 30 101
Enterprise Value (EV)		 477 534 528 600 639 446 460 467 545 402
Market Capitalization		 476 495 364 326 389 320 336 385 442 426
Book Value per Share		 $39.41 $34.32 $33.54 $33.24 $32.54 $31.90 $33.06 $32.15 $32.24 $31.43
Tangible Book Value per Share		 $31.32 $26.24 $25.59 $25.21 $24.53 $23.65 $24.46 $24.53 $24.59 $23.81
Total Capital		 726 757 830 893 889 773 744 656 676 570
Total Debt		 71 184 270 342 347 244 218 145 164 71
Total Long-Term Debt		 69 70 70 70 105 105 106 57 61 71
Net Debt		 0.78 39 164 274 250 126 124 83 103 -24
Capital Expenditures (CapEx)		 6.24 0.69 -0.49 0.32 0.12 0.87 0.89 0.89 2.21 -0.60
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 71 184 270 342 347 244 218 149 164 71
Total Depreciation and Amortization (D&A)		 1.81 1.84 1.81 1.77 1.90 1.90 1.82 1.72 1.97 1.77
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.72 $0.74 $0.71 $0.73 $0.73 $0.56 $0.29 $0.71 $0.99 $0.97
Adjusted Weighted Average Basic Shares Outstanding		 17.03M 16.61M 16.58M 16.57M 16.32M 16.57M 16.23M 15.89M 15.91M 15.88M
Adjusted Diluted Earnings per Share		 $0.72 $0.74 $0.71 $0.73 $0.74 $0.56 $0.29 $0.70 $0.99 $0.97
Adjusted Weighted Average Diluted Shares Outstanding		 17.07M 16.66M 16.61M 16.61M 16.35M 16.59M 16.26M 15.93M 15.93M 15.88M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.36M 16.62M 16.70M 16.69M 16.57M 16.67M 16.57M 15.91M 15.89M 15.88M
Normalized Net Operating Profit after Tax (NOPAT)		 14 12 12 12 12 9.52 9.69 11 16 15
Normalized NOPAT Margin		 28.65% 27.33% 26.69% 28.69% 28.68% 22.23% 23.25% 28.26% 35.24% 34.12%
Pre Tax Income Margin		 34.12% 32.80% 32.36% 34.78% 34.17% 26.88% 11.95% 34.22% 42.61% 42.11%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.51 0.44 0.44 0.46 0.49 0.44 0.25 0.97 2.36 5.31
NOPAT to Interest Expense		 0.41 0.37 0.36 0.38 0.42 0.36 0.24 0.79 1.93 4.30
EBIT Less CapEx to Interest Expense		 0.31 0.42 0.45 0.45 0.49 0.41 0.20 0.91 2.09 5.48
NOPAT Less CapEx to Interest Expense		 0.22 0.34 0.38 0.37 0.41 0.32 0.20 0.73 1.65 4.47
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 27.96% 27.47% 29.30% 34.25% 34.71% 31.31% 26.89% 23.26% 23.24% 29.84%
Augmented Payout Ratio		 28.61% 28.75% 30.66% 47.82% 47.75% 42.48% 36.58% 23.26% 28.63% 37.29%

Frequently Asked Questions About Mid Penn Bancorp's Financials

When does Mid Penn Bancorp's fiscal year end?

According to the most recent income statement we have on file, Mid Penn Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Mid Penn Bancorp's net income changed over the last 2 years?

Mid Penn Bancorp's net income appears to be on a downward trend, with a most recent value of $49.44 million in 2024, falling from $54.81 million in 2022. The previous period was $37.40 million in 2023. See Mid Penn Bancorp's forecast for analyst expectations on what’s next for the company.

How has Mid Penn Bancorp revenue changed over the last 2 years?

Over the last 2 years, Mid Penn Bancorp's total revenue changed from $171.49 million in 2022 to $179.16 million in 2024, a change of 4.5%.

How much debt does Mid Penn Bancorp have?

Mid Penn Bancorp's total liabilities were at $4.82 billion at the end of 2024, a 1.4% increase from 2023, and a 20.8% increase since 2022.

How much cash does Mid Penn Bancorp have?

In the past 2 years, Mid Penn Bancorp's cash and equivalents has ranged from $37.00 million in 2024 to $53.37 million in 2022, and is currently $37.00 million as of their latest financial filing in 2024.

How has Mid Penn Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Mid Penn Bancorp's book value per share changed from 32.24 in 2022 to 39.41 in 2024, a change of 22.2%.


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This page (NASDAQ:MPB) was last updated on 5/28/2025 by MarketBeat.com Staff
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