Mid Penn Bancorp (MPB) Financials

$29.01 -0.26 (-0.89%)

Closing price 04:00 PM Eastern

Extended Trading

$29.02 +0.01 (+0.05%)

As of 04:20 PM Eastern

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Mid Penn Bancorp's Financials

When does Mid Penn Bancorp's financial year end?

According to the most recent income statement we have on file, Mid Penn Bancorp's fiscal year ends in December. Their fiscal 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. Find out what analysts predict for Mid Penn Bancorp in the coming months.

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 5/5/2025 by MarketBeat.com Staff

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Mid Penn Bancorp (MPB) Financials

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Mid Penn Bancorp (MPB) Financials

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