MPB
Financial ServicesMid Penn Bancorp, Inc. · Banks - Regional · $820M
What is Mid Penn Bancorp, Inc.?
Mid Penn Bancorp is a Pennsylvania-based bank holding company serving individuals, businesses, nonprofits, and local governments through its subsidiary, Mid Penn Bank. The bank operates dozens of full-service retail locations across central and eastern Pennsylvania.
Mid Penn Bank generates revenue primarily through traditional lending and deposit-gathering activities. It offers mortgage loans, commercial loans, consumer credit lines, and construction financing alongside deposit products like checking accounts, savings accounts, and certificates of deposit. The bank also provides trust and wealth management services, online and telephone banking, and cash management solutions to its regional customer base.
Founded in 1868 and headquartered in Harrisburg, Pennsylvania, Mid Penn Bancorp has deep roots in community banking across the Commonwealth.
- Commercial and consumer lending
- Deposit products including CDs, money market accounts, and IRAs
- Trust and wealth management services
- Online banking and cash management tools
Is MPB a Good Stock to Buy?
UQS Score rates MPB as Below Average overall, reflecting broad weakness across most of its five scored pillars.
The one area where MPB stands out relative to its pillar profile is Valuation, which is rated Attractive — suggesting the stock may be priced modestly compared to its fundamentals.
Quality, Moat, Growth, and Risk are all rated Weak, indicating meaningful challenges across profitability, competitive positioning, earnings trajectory, and balance sheet risk.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does MPB pay dividends?
Yes — Mid Penn Bancorp, Inc. pays a dividend.
Mid Penn Bancorp pays a regular dividend, consistent with many community banks that return capital to shareholders through income distributions. For income-focused investors, the dividend adds a layer of return alongside any potential price appreciation. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does MPB report earnings?
Mid Penn Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's recent results reflect the pressures common to smaller regional lenders, including interest rate sensitivity and competition for deposits. Growth across core lending categories has been measured rather than accelerating.
For the most recent quarter's results, visit Mid Penn Bancorp's investor relations page directly.
MPB Price History
+37.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Mid Penn Bancorp, Inc.?
Based on Mid Penn Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
MPB Long-term Outlook
With Growth and Risk both rated Weak, the near-term fundamental outlook for MPB carries meaningful uncertainty. Community banks of this size face ongoing pressure from larger institutions and fintech competitors. The Attractive Valuation rating suggests limited downside may already be reflected in the price, but improving the underlying business quality would be necessary for a more constructive long-term view.
Growth drivers
- Potential loan growth tied to Pennsylvania regional economic activity
- Expansion of trust and wealth management fee income
- Possible efficiency gains from branch network optimization
Key risks
- Interest rate sensitivity affecting net interest margin
- Credit quality risk in a slower economic environment
- Competitive pressure from larger banks and digital lenders
MPB vs Peers
Mid Penn Bancorp operates in a crowded community and regional banking space alongside several peers of varying size and geography.
Camden National is a New England-focused community bank with a comparable regional footprint, competing on similar deposit and lending products.
Grupo Supervielle operates as an Argentine financial services group, offering a contrast in geographic exposure and emerging-market risk profile.
Five Star Bancorp is a California-based community bank with a focus on commercial real estate lending, differentiating it by geography and loan mix.
Frequently Asked Questions
What does Mid Penn Bancorp do?
Mid Penn Bancorp is the holding company for Mid Penn Bank, a Pennsylvania community bank. It provides checking and savings accounts, mortgage and commercial loans, lines of credit, and trust and wealth management services to individuals, businesses, nonprofits, and local governments across dozens of Pennsylvania counties.
Does MPB pay dividends?
Yes, Mid Penn Bancorp pays a regular dividend. This is consistent with the income-distribution practices common among community bank holding companies. Investors seeking current yield details should check the company's investor relations page for the latest declared dividend and payment schedule.
When does MPB report earnings?
Mid Penn Bancorp reports financial results on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact timing of upcoming earnings releases, refer to the investor relations section of the company's official website.
Is MPB a good stock to buy?
UQS Score rates MPB as Below Average, with Weak ratings across Quality, Moat, Growth, and Risk pillars. The Valuation pillar is rated Attractive, which may interest value-oriented investors. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is MPB overvalued?
Based on the UQS Valuation pillar, MPB is rated Attractive, suggesting it is not considered overvalued relative to its fundamentals at current levels. However, an attractive price alone does not offset the Weak ratings in other pillars. View the complete analysis on UQS Score for a fuller picture.
How does MPB compare to its competitors?
MPB competes with other community and regional banks such as Camden National Corporation and Five Star Bancorp. Each operates in different geographies with varying loan mixes. UQS Score provides side-by-side pillar comparisons for Pro members, making it easier to evaluate MPB against peers on quality, growth, and risk dimensions.
What is MPB's market cap bracket?
Mid Penn Bancorp is classified as a small-cap company. Small-cap bank stocks can offer community-level growth opportunities but often carry higher volatility and less liquidity than larger financial institutions.
Who founded Mid Penn Bancorp?
Mid Penn Bank traces its origins to 1868, making it one of Pennsylvania's longer-standing community banking institutions. Detailed founding history and leadership information is publicly available through the company's official website and investor relations materials.
Is MPB a long-term quality investment?
As a long-term quality indicator, MPB's UQS profile raises caution — Weak ratings across Quality, Moat, Growth, and Risk suggest the business faces structural challenges that could limit compounding over time. The Attractive Valuation may cushion near-term downside, but sustained quality improvement would strengthen the long-term case.
What sector does MPB belong to?
Mid Penn Bancorp operates in the Financial Services sector, specifically within community and regional banking. This sector is sensitive to interest rate cycles, credit conditions, and regulatory requirements — all factors reflected in MPB's UQS Risk pillar rating.
Unlock Full MPB Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS pillar scores across Quality, Moat, Growth, Risk, and Valuation
- ✓Access full financial metrics and trend data for Mid Penn Bancorp
- ✓Compare MPB side-by-side with community banking peers
- ✓Screen for small-cap financial stocks with stronger quality profiles
- ✓Get the complete analyst view available exclusively to Pro members
Pro Analysis
MPB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 7, 2026 | 42.2 | 38.2 | 22.0 | 38.6 | 36.4 | 92.9 | +0.1 |
| Apr 19, 2026 | 42.1 | 38.2 | 22.0 | 38.6 | 36.4 | 92.7 | -0.1 |
| Apr 18, 2026 | 42.2 | 38.2 | 22.0 | 38.6 | 36.4 | 93.1 | -0.8 |
| Apr 14, 2026 | 43.0 | 38.2 | 22.0 | 38.6 | 36.4 | 98.7 | 0.0 |
| Apr 12, 2026 | 43.0 | 38.2 | 22.0 | 38.6 | 36.4 | 98.6 | -0.1 |
| Apr 9, 2026 | 43.1 | 38.2 | 22.0 | 38.6 | 36.4 | 99.0 | 0.0 |
| Apr 2, 2026 | 43.1 | 38.2 | 22.0 | 38.5 | 36.4 | 99.0 | — |
MPB — Pillar Breakdown
Quality
— 59.3/100 (25%)Mid Penn Bancorp, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 38.0/100 (20%)Mid Penn Bancorp, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.4/100 (15%)Mid Penn Bancorp, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 92.0/100 (15%)Mid Penn Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 22/100 (25%)Mid Penn Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for MPB.
Score Composition
Financial Data
More Stock Analysis
How is the MPB UQS Score Calculated?
The UQS (Unified Quality Score) for Mid Penn Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Mid Penn Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Mid Penn Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.