What is Mid Penn Bancorp, Inc.'s earnings per share (EPS)?

Mid Penn Bancorp, Inc. (MPB) reported diluted earnings per share of $2.55 for fiscal year 2025. This represents a -12.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Mid Penn Bancorp, Inc. (MPB) Financials

MPB

Trailing 12 months to June 30, 2026

Revenue $264.6M +35.8% YoY

Net Income $68.1M +54.7% YoY

EPS (Diluted) $2.85 YoY not available

Free Cash Flow $73.8M +29.6% YoY

Market Cap $904.5M as of Oct 10, 2026

Price / Sales 3.4x on $264.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 13.3x on $68.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $901.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MPB SEC filings page.

Mid Penn Bancorp, Inc. (MPB) reported $264.6M in revenue over the twelve months to Jun 30, 2026, up 35.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI MPB FY2025 2026-10-04

The bank expanded its balance sheet and equity base, but shareholder earnings per share lagged net-income growth in FY2025.

In FY2025, net income grew 13.8% but EPS declined 12.1%, so earnings growth did not accrue proportionally to each share as the share count expanded. Meanwhile, debt-to-equity fell to 6.5x while ROA remained about 0.9%, suggesting the larger capital base has not materially lifted asset-level profitability.

Operating cash flow reached $80.0M and free cash flow reached $71.8M in FY2025; the relatively small gap after capital spending indicates reported earnings were accompanied by cash generation rather than being entirely accounting-based.

Reported revenue expanded 26.1%, yet net margin compressed in FY2025, indicating that the incremental business was less profitable on the reported measure rather than simply benefiting from scale.

Financial Health Signals

Financial Health Score 63/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Mid Penn Bancorp, Inc.'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.

Earnings

Mid Penn Bancorp, Inc. earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Mid Penn Bancorp, Inc. scores 50/100 among other banks.

Growth

Mid Penn Bancorp, Inc. reported revenue of $225.9M in fiscal year 2025, against $179.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Mid Penn Bancorp, Inc. scores 75/100 among other banks.

Capital

Mid Penn Bancorp, Inc. funded 13.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $814.1M of equity against $6.1B of assets. Capital ranks banks on that cushion, and Mid Penn Bancorp, Inc. scores 71/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Mid Penn Bancorp, Inc. scores 37/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Mid Penn Bancorp, Inc. scores 91/100 on it among other banks.

Stability

Mid Penn Bancorp, Inc. reported net income of $56.2M in fiscal year 2025, against $49.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Mid Penn Bancorp, Inc. scores 53/100 among other banks.

Piotroski F-Score Partial

5/6

Mid Penn Bancorp, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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.

Earnings Quality Cash-Backed

1.42x

For every $1 of reported earnings, Mid Penn Bancorp, Inc. 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

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Earnings & Revenue

Revenue

$75.9M

YoY+39.6%

QoQ+17.0%

5Y CAGR+18.5%

10Y CAGR+22.5%

Mid Penn Bancorp, Inc. generated $75.9M in revenue in Q2 2026. This represents an increase of 39.6% from the same quarter a year earlier. Against the prior quarter it is up 17.0%.

Net Income

$21.7M

YoY+355.5%

QoQ+149.2%

5Y CAGR+17.7%

10Y CAGR+26.8%

Mid Penn Bancorp, Inc. reported $21.7M in net income in Q2 2026. This represents an increase of 355.5% from the same quarter a year earlier. Against the prior quarter it is up 149.2%.

EPS (Diluted)

$0.85

YoY+286.4%

QoQ+136.1%

5Y CAGR-1.8%

Mid Penn Bancorp, Inc. earned $0.85 per diluted share (EPS) in Q2 2026. This represents an increase of 286.4% from the same quarter a year earlier. Against the prior quarter it is up 136.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$31.2M

YoY-3.9%

QoQ+139.5%

5Y CAGR+17.6%

10Y CAGR+10.6%

Mid Penn Bancorp, Inc. generated $31.2M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 3.9% from the same quarter a year earlier. Against the prior quarter it is up 139.5%.

Dividends Per Share

$0.22

YoY+10.0%

QoQ0.0%

Mid Penn Bancorp, Inc. paid $0.22 per share in dividends in Q2 2026. This represents an increase of 10.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

25M

YoY+10.2%

QoQ0.0%

5Y CAGR+17.3%

10Y CAGR+19.6%

Mid Penn Bancorp, Inc. had 25M shares outstanding in Q2 2026. This represents an increase of 10.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Cash & Debt

Not reported for Q2 2026.

Margins & Returns

Net Margin

28.6%

YoY+19.8pp

QoQ+15.2pp

5Y change-1.0pp

10Y change+8.2pp

Mid Penn Bancorp, Inc.'s net profit margin was 28.6% in Q2 2026, showing the share of revenue converted to profit. This is up 19.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 15.2 percentage points.

Return on Equity

2.4%

YoY+1.8pp

QoQ+1.4pp

5Y change-0.4pp

10Y change-0.3pp

Mid Penn Bancorp, Inc.'s ROE was 2.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$1.2M

YoY-33.7%

QoQ-18.0%

5Y CAGR+6.2%

10Y CAGR+21.6%

Mid Penn Bancorp, Inc. invested $1.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 33.7% from the same quarter a year earlier. Against the prior quarter it is down 18.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

MPB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MPB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$264.6M	$225.9M+26.1%	$179.2M+7.3%	$167.0M-2.6%	$171.5M+31.8%	$130.1M+22.6%	$106.1M+28.2%	$82.8M+30.6%	$63.4M+46.4%	$43.3M+6.1%	$40.8M+13.3%	$36.0M+22.1%	$29.5M+8.3%	$27.2M+1.1%	$26.9M+7.6%	$25.0M
SG&A Expenses	$91.3M	$78.0M+21.7%	$64.1M+8.0%	$59.3M+12.8%	$52.6M+26.1%	$41.7M+10.5%	$37.8M+16.7%	$32.4M+35.6%	$23.9M+41.0%	$16.9M+8.8%	$15.6M+10.8%	$14.0M+29.1%	$10.9M+0.8%	$10.8M+2.6%	$10.5M+10.5%	$9.5M
Interest Expense	$123.7M	$124.7M-4.0%	$129.9M+45.4%	$89.4M+403.0%	$17.8M+20.4%	$14.8M-25.2%	$19.7M-21.6%	$25.2M+97.8%	$12.7M+101.8%	$6.3M+17.5%	$5.4M+16.5%	$4.6M+4.1%	$4.4M-12.5%	$5.1M-29.0%	$7.1M-25.2%	$9.5M
Income Tax	$22.0M	$16.1M+52.2%	$10.6M+45.2%	$7.3M-41.8%	$12.5M+86.3%	$6.7M+31.2%	$5.1M+37.7%	$3.7M+75.0%	$2.1M-52.7%	$4.5M+97.6%	$2.3M+38.5%	$1.6M+12.4%	$1.5M+21.7%	$1.2M-3.5%	$1.2M+1.7%	$1.2M
Net Income	$68.1M	$56.2M+13.8%	$49.4M+32.2%	$37.4M-31.8%	$54.8M+86.9%	$29.3M+11.9%	$26.2M+48.1%	$17.7M+67.1%	$10.6M+49.5%	$7.1M-9.2%	$7.8M+19.5%	$6.5M+14.5%	$5.7M+15.4%	$4.9M-0.2%	$5.0M+9.0%	$4.5M
EPS (Basic)	N/A	$2.59-10.7%	$2.90+26.6%	$2.29-33.4%	$3.44+26.9%	$2.71-12.9%	$3.11+48.8%	$2.09+41.2%	$1.48-11.4%	$1.67-9.7%	$1.85+25.9%	$1.47-3.9%	$1.53+15.9%	$1.32+3.9%	$1.27+9.5%	$1.16
EPS (Diluted)	$2.85	$2.55-12.1%	$2.90+26.6%	$2.29-33.4%	$3.44+26.9%	$2.71	$3.10+48.3%	$2.09+41.2%	$1.48	$1.67	N/A	$1.47-3.9%	$1.53+15.9%	$1.32+3.9%	$1.27+9.5%	$1.16
Diluted Shares (Avg)	N/A	22M+29.0%	17M+4.4%	16M+2.6%	16M+47.3%	11M	8M-0.6%	8M+19.7%	7M	4M	N/A	4M+17.5%	3M+0.1%	3M+0.1%	3M+0.1%	3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$75.9M+39.6%	$64.9M+35.8%	$62.0M+30.8%	$61.8M+36.3%	$54.3M+23.3%	$47.7M+12.9%	$47.4M+12.6%	$45.3M+5.9%
SG&A Expenses	$26.9M+29.8%	$23.3M+43.1%	$20.0M+18.2%	$20.9M+29.6%	$20.8M+33.6%	$16.3M+5.5%	$16.9M+11.4%	$16.2M+5.9%
Interest Expense	$31.4M-1.3%	$28.7M-1.9%	$30.4M-5.1%	$33.2M-1.3%	$31.8M-2.0%	$29.2M-7.9%	$32.0M+10.0%	$33.7M+29.8%
Income Tax	$5.9M+1325.0%	$2.6M-15.3%	$7.6M+156.6%	$6.0M+132.1%	-$480K-119.2%	$3.1M+18.9%	$3.0M+28.6%	$2.6M+13.1%
Net Income	$21.7M+355.5%	$8.7M-36.6%	$19.4M+47.0%	$18.3M+48.7%	$4.8M-59.5%	$13.7M+13.3%	$13.2M+9.4%	$12.3M+33.2%
EPS (Basic)	$0.86+290.9%	$0.36-49.3%	$0.86+19.4%	$0.80+8.1%	$0.22-69.0%	$0.71-2.7%	$0.72-1.4%	$0.74+32.1%
EPS (Diluted)	$0.85+286.4%	$0.36-49.3%	$0.85+18.1%	$0.79+6.8%	$0.22-69.0%	$0.71-2.7%	$0.72-1.4%	$0.74+32.1%
Diluted Shares (Avg)	26M+18.6%	24M+25.2%	N/A	23M+39.7%	22M+30.1%	19M+16.9%	N/A	17M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

MPB Balance Sheet

MPB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$6.1B+12.1%	$5.5B+3.4%	$5.3B+17.6%	$4.5B-4.1%	$4.7B+56.4%	$3.0B+34.4%	$2.2B+7.4%	$2.1B+77.6%	$1.2B+13.3%	$1.0B+10.8%	$931.6M+23.3%	$755.7M+6.0%	$713.1M+1.1%	$705.2M-1.4%	$715.4M
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$13.3M+34.4%	$9.9M+14.6%	$8.6M-44.3%	$15.5M-13.3%	$17.8M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$4.6M+51.0%	$3.0M+51.2%	$2.0M+109.7%	$955K-5.7%	$1.0M-16.7%	$1.2M-4.5%	$1.3M-18.1%	$1.6M
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0
Goodwill	$136.6M+6.6%	$128.2M+0.9%	$127.0M+11.2%	$114.2M+0.3%	$113.8M+81.2%	$62.8M0.0%	$62.8M0.0%	$62.8M+1503.9%	$3.9M0.0%	$3.9M0.0%	$3.9M+285.6%	$1.0M0.0%	$1.0M0.0%	$1.0M0.0%	$1.0M
Total Liabilities	$5.3B+10.5%	$4.8B+1.4%	$4.7B+19.1%	$4.0B-5.1%	$4.2B+53.1%	$2.7B+37.6%	$2.0B+7.5%	$1.9B+69.4%	$1.1B+13.8%	$962.1M+11.7%	$861.6M+23.7%	$696.5M+5.5%	$660.2M+1.1%	$653.0M-1.4%	$661.9M
Total Equity	$814.1M+24.3%	$655.0M+20.8%	$542.4M+5.9%	$512.1M+4.5%	$490.1M+91.7%	$255.7M+7.5%	$237.9M+6.4%	$223.5M+195.3%	$75.7M+7.4%	$70.5M+0.6%	$70.1M+18.5%	$59.1M+11.7%	$52.9M+1.3%	$52.2M-2.3%	$53.5M
Retained Earnings	$219.7M+21.0%	$181.6M+24.4%	$146.0M+9.7%	$133.1M+46.2%	$91.0M+29.7%	$70.2M+37.9%	$50.9M+28.6%	$39.6M+21.5%	$32.6M+14.7%	$28.4M+21.0%	$23.5M+22.1%	$19.2M+24.5%	$15.4M+31.5%	$11.7M+42.8%	$8.2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$7.1B+11.1%	$7.0B+25.6%	$6.1B+12.1%	$6.3B+13.4%	$6.4B+17.9%	$5.5B+4.0%	$5.5B+3.4%	$5.5B+6.0%
Goodwill	$157.1M+16.0%	$157.1M+22.6%	$136.6M+6.6%	$136.6M+6.6%	$135.5M+6.6%	$128.2M+0.9%	$128.2M+0.9%	$128.2M-1.2%
Total Liabilities	$6.2B+10.4%	$6.1B+24.6%	$5.3B+10.5%	$5.5B+10.4%	$5.6B+15.5%	$4.9B+2.1%	$4.8B+1.4%	$5.0B+5.7%
Total Equity	$901.9M+16.3%	$887.4M+32.9%	$814.1M+24.3%	$796.3M+39.0%	$775.7M+38.6%	$667.9M+21.2%	$655.0M+20.8%	$573.1M+8.4%
Retained Earnings	$238.2M+24.4%	$222.2M+16.0%	$219.7M+21.0%	$205.3M+19.2%	$191.6M+17.3%	$191.5M+23.7%	$181.6M+24.4%	$172.2M+25.5%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

MPB Cash Flow Statement

MPB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$80.1M	$80.0M+55.7%	$51.4M-1.8%	$52.3M-12.8%	$60.0M-9.0%	$65.9M+368.4%	$14.1M+79.7%	$7.8M-28.7%	$11.0M-7.7%	$11.9M-45.6%	$21.8M+65.8%	$13.2M+51.9%	$8.7M-18.8%	$10.7M+13.6%	$9.4M+11.3%	$8.4M
Depreciation & Amortization	N/A	$8.1M+18.3%	$6.8M-0.5%	$6.9M+5.9%	$6.5M+38.5%	$4.7M-2.2%	$4.8M+8.8%	$4.4M+21.4%	$3.6M+130.8%	$1.6M-12.1%	$1.8M+11.6%	$1.6M+23.2%	$1.3M	N/A	N/A	N/A
Stock-Based Compensation	N/A	$2.0M+90.9%	$1.0M-5.1%	$1.1M-3.4%	$1.1M+64.1%	$696K+68.1%	$414K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	$6.3M	$8.2M+19.1%	$6.9M+149.7%	$2.8M-34.8%	$4.2M+21.5%	$3.5M-5.1%	$3.7M-5.1%	$3.9M-56.6%	$9.0M+30.2%	$6.9M+787.6%	$775K-47.0%	$1.5M+44.8%	$1.0M+71.6%	$588K-40.9%	$995K-29.7%	$1.4M
Free Cash Flow	$73.8M	$71.8M+61.5%	$44.5M-10.3%	$49.6M-11.1%	$55.7M-10.7%	$62.4M+500.9%	$10.4M+163.2%	$3.9M+94.9%	$2.0M-59.6%	$5.0M-76.2%	$21.1M+79.9%	$11.7M+52.9%	$7.7M-24.1%	$10.1M+20.1%	$8.4M+19.5%	$7.0M
Investing Cash Flow	-$149.8M	$83.2M+139.8%	-$208.7M+49.0%	-$408.9M+42.0%	-$704.7M-516.1%	$169.4M+128.8%	-$588.9M-2082.4%	-$27.0M-223.5%	$21.8M+113.3%	-$163.8M-88.7%	-$86.8M	N/A	N/A	-$23.6M-762.5%	$3.6M+104.8%	-$74.7M
Financing Cash Flow	-$180.5M	-$134.8M-202.8%	$131.2M-66.6%	$392.5M+288.5%	-$208.2M-155.5%	$374.8M-49.3%	$739.5M+526.1%	$118.1M+825.6%	-$16.3M-112.6%	$129.4M+32.6%	$97.6M	N/A	N/A	$6.1M+139.6%	-$15.3M-121.5%	$71.2M
Dividends Paid	$21.5M	$18.2M+31.4%	$13.8M+6.5%	$13.0M+1.9%	$12.7M+43.5%	$8.9M+36.4%	$6.5M-2.8%	$6.7M+48.2%	$4.5M+104.8%	$2.2M-10.1%	$2.5M+37.4%	$1.8M+13.3%	$1.6M+80.6%	$872K0.0%	$872K+25.3%	$696K
Share Buybacks	N/A	$2.3M+596.6%	$323K-93.4%	$4.9M+64.9%	$3.0M+2210.2%	$128K-92.9%	$1.8M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$32.4M-5.4%	$14.5M+15.5%	$13.3M+223.7%	$20.0M+18.9%	$34.2M+89.8%	$12.5M+0.9%	$4.1M-72.0%	$16.9M+27.7%
Depreciation & Amortization	$3.4M+75.5%	$2.8M+78.9%	$2.3M+37.2%	$2.1M+25.9%	$1.9M+15.0%	$1.6M-3.6%	$1.7M-4.3%	$1.7M-2.5%
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	$218K-23.2%	N/A	N/A
Capital Expenditures	$1.2M-33.7%	$1.4M-47.6%	$1.8M-71.1%	$1.9M+10711.1%	$1.8M+497.6%	$2.7M+674.9%	$6.3M+9823.8%	$18K-97.9%
Free Cash Flow	$31.2M-3.9%	$13.0M+33.0%	$11.5M+631.2%	$18.1M+7.4%	$32.5M+83.0%	$9.8M-18.7%	-$2.2M-114.8%	$16.8M+36.6%
Investing Cash Flow	-$167.0M-221.7%	$33.9M+191.0%	-$22.2M-5.1%	$5.4M+105.5%	$137.2M+692.6%	-$37.3M+43.3%	-$21.1M+79.1%	-$98.8M+8.0%
Financing Cash Flow	$80.1M+37.6%	-$6.1M-109.9%	-$149.3M-162.8%	-$105.1M-187.2%	$58.2M+36.0%	$61.5M+149.2%	-$56.8M-187.3%	$120.6M+1.9%
Dividends Paid	$5.6M+20.7%	$6.2M+61.2%	$5.1M+31.4%	$4.6M+37.0%	$4.7M+40.4%	$3.9M+16.8%	$3.9M+16.7%	$3.3M+0.5%
Share Buybacks	N/A	N/A	$246K	$226K	$1.8M	$0-100.0%	$0-100.0%	$0

MPB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MPB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	24.9%-2.7pp	27.6%+5.2pp	22.4%-9.6pp	32.0%+9.4pp	22.5%-2.2pp	24.7%+3.3pp	21.4%+4.7pp	16.7%+0.3pp	16.4%-2.8pp	19.1%+1.0pp	18.1%-1.2pp	19.3%+1.2pp	18.1%-0.2pp	18.4%+0.2pp	18.2%
Return on Equity	6.9%-0.6pp	7.5%+0.6pp	6.9%-3.8pp	10.7%+4.7pp	6.0%-4.3pp	10.3%+2.8pp	7.4%+2.7pp	4.7%-4.6pp	9.4%-1.7pp	11.1%+1.8pp	9.3%-0.3pp	9.6%+0.3pp	9.3%-0.2pp	9.5%+1.0pp	8.5%
Return on Assets	0.9%0.0pp	0.9%+0.2pp	0.7%-0.5pp	1.2%+0.6pp	0.6%-0.2pp	0.9%+0.1pp	0.8%+0.3pp	0.5%-0.1pp	0.6%-0.1pp	0.8%+0.1pp	0.7%0.0pp	0.8%+0.1pp	0.7%0.0pp	0.7%+0.1pp	0.6%
Debt-to-Equity	6.54-0.8x	7.35-1.4x	8.76+1.0x	7.78-0.8x	8.57-2.2x	10.73+2.3x	8.38+0.1x	8.30-6.2x	14.46+0.8x	13.65+1.4x	12.30+0.5x	11.78-0.7x	12.480.0x	12.50+0.1x	12.38
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	31.8%+7.0pp	24.8%-4.9pp	29.7%-2.8pp	32.5%-15.5pp	48.0%+38.2pp	9.8%+5.0pp	4.8%+1.6pp	3.2%-8.4pp	11.6%-40.1pp	51.7%+19.1pp	32.5%+6.6pp	26.0%-11.1pp	37.1%+5.9pp	31.2%+3.1pp	28.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	28.6%+19.8pp	13.4%-15.4pp	31.4%+3.4pp	29.6%+2.5pp	8.8%-17.9pp	28.8%+0.1pp	27.9%-0.8pp	27.1%+5.6pp
Return on Equity	2.4%+1.8pp	1.0%-1.1pp	2.4%+0.4pp	2.3%+0.2pp	0.6%-1.5pp	2.1%-0.1pp	2.0%-0.2pp	2.1%+0.4pp
Return on Assets	0.3%+0.2pp	0.1%-0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.1%-0.1pp	0.3%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	6.83-0.4x	6.85-0.5x	6.54-0.8x	6.87-1.8x	7.19-1.4x	7.30-1.4x	7.35-1.4x	8.64-0.2x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	41.1%-18.6pp	20.1%-0.4pp	18.5%+23.0pp	29.3%-7.9pp	59.7%+19.5pp	20.5%-8.0pp	-4.5%-39.2pp	37.1%+8.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Mid Penn Bancorp, Inc. MPB	FY2025	$225.9M	$56.2M	24.9%	$904.5M	63/100
Great Southern Bancorp Inc GSBC	FY2025	$229.3M	$71.0M	30.9%	$836.3M	65/100
Independent Bank Corp. IBCP	FY2025	$225.7M	$68.5M	30.4%	$785.2M	48/100
First Financial Corporation THFF	FY2025	$261.8M	$79.2M	30.3%	$865.6M	51/100
Orrstown Financial Services Inc ORRF	FY2025	$252.1M	$80.9M	32.1%	$804.5M	45/100
Camden National Corporation CAC	FY2025	$255.8M	$65.2M	25.5%	$937.6M	48/100

Where Mid Penn Bancorp, Inc. Ranks

Frequently Asked Questions

What is Mid Penn Bancorp, Inc.'s annual revenue?

Mid Penn Bancorp, Inc. (MPB) reported $225.9M in total revenue for fiscal year 2025. This represents a 26.1% 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 Bancorp, Inc.'s revenue growing?

Mid Penn Bancorp, Inc. (MPB) revenue grew by 26.1% year-over-year, from $179.2M to $225.9M in fiscal year 2025.

Is Mid Penn Bancorp, Inc. profitable?

Yes, Mid Penn Bancorp, Inc. (MPB) reported a net income of $56.2M in fiscal year 2025, with a net profit margin of 24.9%.

What is Mid Penn Bancorp, Inc.'s net profit margin?

Mid Penn Bancorp, Inc. (MPB) had a net profit margin of 24.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Mid Penn Bancorp, Inc. pay dividends?

Yes, Mid Penn Bancorp, Inc. (MPB) paid $0.84 per share in dividends during fiscal year 2025.

What is Mid Penn Bancorp, Inc.'s return on equity (ROE)?

Mid Penn Bancorp, Inc. (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 Bancorp, Inc.'s free cash flow?

Mid Penn Bancorp, Inc. (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 Bancorp, Inc.'s operating cash flow?

Mid Penn Bancorp, Inc. (MPB) generated $80.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Mid Penn Bancorp, Inc.'s total assets?

Mid Penn Bancorp, Inc. (MPB) had $6.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Mid Penn Bancorp, Inc.'s capital expenditures?

Mid Penn Bancorp, Inc. (MPB) invested $8.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Mid Penn Bancorp, Inc. buy back shares?

Yes, Mid Penn Bancorp, Inc. (MPB) spent $2.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Mid Penn Bancorp, Inc. have outstanding?

Mid Penn Bancorp, Inc. (MPB) had 23M shares outstanding as of fiscal year 2025.

What is Mid Penn Bancorp, Inc.'s debt-to-equity ratio?

Mid Penn Bancorp, Inc. (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 Bancorp, Inc.'s return on assets (ROA)?

Mid Penn Bancorp, Inc. (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 Bancorp, Inc.'s P/E ratio?

Mid Penn Bancorp, Inc. (MPB) trades at 13.3x earnings, its market capitalization divided by net income of $68.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $904.5M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Mid Penn Bancorp, Inc.'s price-to-sales ratio?

Mid Penn Bancorp, Inc. (MPB) trades at 3.4x sales, its market capitalization divided by revenue of $264.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $904.5M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Mid Penn Bancorp, Inc.'s Piotroski F-Score?

Mid Penn Bancorp, Inc. (MPB) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Bancorp, Inc.'s earnings high quality?

Mid Penn Bancorp, Inc. (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 Bancorp, Inc.?

Mid Penn Bancorp, Inc. (MPB) scores 63 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.