Mid Penn Bancorp (MPB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Mid Penn Bancorp stock (MPB) is currently trading at $31.64. Mid Penn Bancorp PE ratio is 12.42. Mid Penn Bancorp PS ratio (Price-to-Sales) is 3.57. Analyst consensus price target for MPB is $36.50. WallStSmart rates MPB as Moderate Buy.
- MPB PE ratio analysis and historical PE chart
- MPB PS ratio (Price-to-Sales) history and trend
- MPB intrinsic value — DCF, Graham Number, EPV models
- MPB stock price prediction 2025 2026 2027 2028 2029 2030
- MPB fair value vs current price
- MPB insider transactions and insider buying
- Is MPB undervalued or overvalued?
- Mid Penn Bancorp financial analysis — revenue, earnings, cash flow
- MPB Piotroski F-Score and Altman Z-Score
- MPB analyst price target and Smart Rating
Mid Penn Bancorp
📊 No data available
Try selecting a different time range
MPB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Mid Penn Bancorp (MPB)
MPB trades at a significant discount to its Graham intrinsic value of $78.95, offering a 58% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Mid Penn Bancorp (MPB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around peg ratio and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Mid Penn Bancorp (MPB) Key Strengths (5)
Keeps $46 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 33.10% year-over-year
Keeps $25 of every $100 in revenue as net profit
52.45% held by institutions, strong professional interest
Supporting Valuation Data
Mid Penn Bancorp (MPB) Areas to Watch (5)
Very expensive relative to growth, significant premium
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.57x sales
Solid earnings growth at 15.10%
Mid Penn Bancorp (MPB) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.6/10) while 5 fall into concern territory (avg 4.4/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including Price/Book (0.97) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 46.20%, Profit Margin at 25.10%. Growth metrics are encouraging with Revenue Growth at 33.10%.
The Bear Case
The primary concerns are PEG Ratio, Return on Equity, Market Cap. Some valuation metrics including PEG Ratio (12.66), Price/Sales (3.57) suggest expensive pricing. Growth concerns include EPS Growth at 15.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.66%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.66% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 33.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MPB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MPB's Price-to-Sales ratio of 3.57x sits near its historical average of 3.58x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 6% below its historical high of 3.79x set in Mar 2026, and 2% above its historical low of 3.5x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Mid Penn Bancorp (MPB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Mid Penn Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 224M with 33% growth year-over-year. Profit margins are strong at 25.1%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 33% YoY, reaching 224M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 766.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Mid Penn Bancorp maintain 33%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Mid Penn Bancorp.
Bottom Line
Mid Penn Bancorp offers an attractive blend of growth (33% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(19 last 3 months)
| Insider | Type | Shares |
|---|---|---|
NOONE, JOHN E Director | Buy | +2,000 |
| Insider | Type | Shares |
|---|---|---|
STEPHON, KENNETH JOHN Director, Chief Corp Development Officer | Sell | -0.818 |
Data sourced from SEC Form 4 filings
Last updated: 8:21:28 AM
About Mid Penn Bancorp(MPB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Mid Penn Bancorp, Inc. is the banking holding company for Mid Penn Bank providing commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company is headquartered in Millersburg, Pennsylvania.