US · MPB
Mid Penn Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Harrisburg, PA 17110
- Website
- midpennbank.com
Price · as of 2024-12-31
$33.32
Market cap 741.27M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $30.28 | -9.12% |
| Intrinsic Value(DCF) | $40.13 | +20.44% |
| Graham-Dodd Method(GD) | $33.29 | -0.11% |
| Graham Formula(GF) | $80.82 | +142.56% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $5.99 | $46.30 | $14.37 | $15.35 | $2.79 |
| 2011 | $7.01 | $45.38 | $17.10 | $16.43 | $15.35 |
| 2012 | $7.53 | $29.82 | $41.39 | $15.63 | $9.10 |
| 2013 | $9.93 | $31.74 | $39.47 | $16.86 | $6.09 |
| 2014 | $11.34 | $72.43 | $41.87 | $16.51 | $18.55 |
| 2015 | $11.13 | $34.09 | $45.06 | $15.74 | $43.63 |
| 2016 | $21.18 | $33.30 | $50.42 | $16.31 | $38.75 |
| 2017 | $24.61 | $99.95 | $55.09 | $17.51 | $26.09 |
| 2018 | $19.31 | $46.42 | $31.60 | $20.38 | $89.30 |
| 2019 | $16.92 | $57.39 | $212.92 | $19.27 | $100.56 |
| 2020 | $24.95 | $23.61 | $297.06 | $26.82 | $65.65 |
| 2021 | $23.73 | $23.21 | $40.44 | $36.07 | $66.70 |
| 2022 | $25.10 | $48.38 | $35.96 | $30.22 | $127.49 |
| 2023 | $19.00 | $38.67 | $51.36 | $24.98 | $97.11 |
| 2024 | $26.14 | $30.28 | $102.17 | $33.28 | $80.82 |
AI valuation
Our deep-learning model estimates Mid Penn Bancorp, Inc.'s (MPB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $30.28
- Current price
- $33.32
- AI upside
- -9.12%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$40.13
+20.44% upside
Graham-Dodd
$33.29
-0.11% upside
Graham Formula
$80.82
+142.56% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| MPB | Mid Penn Bancorp, Inc. | $33.32 | 741.27M | -9% | +20% | -0% | +143% | 9.00 | 0.68 | 1.45 | 3.18 | 33.80 | 0.85 | 56.94% | 19.57% | 16.12% | 8.26% | 9.72% | 0.92% | 0.12 | 0.46 | 0.07 | 0.07 | 0.42 | 2664.00% | 2057.00% | -1029.00% | 9.99% | 0.01 | 8.74% | 3.11% | 28.00% | 58.93% | 3.54 | 4.78 | 0.69 | -0.76 |
| CAC | Camden National Corporati… | $46.16 | 781.13M | +11% | +40% | -50% | +83% | 10.94 | 1.09 | 2.00 | 4.79 | 50.00 | 1.33 | 59.41% | 22.59% | 18.29% | 10.33% | 18.19% | 0.92% | 1.03 | 0.56 | 0.15 | 0.15 | 4.76 | 2189.00% | 1574.00% | -1469.00% | 9.54% | 0.01 | 19.00% | 4.23% | 46.30% | 21.78% | 5.07 | 6.00 | 1.15 | -0.62 |
| CCBG | Capital City Bank Group, … | $42.85 | 731.31M | -22% | -26% | -39% | +7% | 11.33 | 1.21 | 2.29 | 2.52 | 695.66 | 1.49 | 84.84% | 25.00% | 20.18% | 11.22% | 52.59% | 1.23% | 0.17 | 1.84 | 0.13 | 0.13 | 0.16 | 163.00% | 673.00% | 1498.00% | 9.15% | 0.02 | 55.89% | 2.49% | 28.20% | 2.87% | 2.82 | 3.37 | 0.71 | -0.53 |
| FCBC | First Community Bankshare… | $39.13 | 716.66M | +34% | -19% | -57% | +1% | 13.12 | 1.29 | 3.85 | 6.39 | 249.21 | 1.83 | 86.77% | 37.35% | 29.34% | 10.02% | 22.69% | 1.58% | 0.00 | 3.34 | 0.08 | 0.08 | -1.10 | 526.00% | 614.00% | -699.00% | 8.12% | 0.02 | 24.15% | 3.25% | 42.70% | 4.77% | 7.02 | 8.39 | 2.62 | -0.49 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| HTB | HomeTrust Bancshares, Inc… | $42.14 | 735.09M | +204% | -23% | -5% | +231% | 10.70 | 1.06 | 1.99 | 1.57 | 74.90 | 1.15 | 65.95% | 23.69% | 18.57% | 10.72% | 37.16% | 1.19% | 0.02 | 0.75 | 0.17 | 0.17 | -3.42 | 1429.00% | 3656.00% | -14940.00% | 4.81% | 0.01 | 19.14% | 1.31% | 14.00% | 30.68% | 1.96 | 4.84 | 0.46 | -0.50 |
| HTBK | Heritage Commerce Corp | $12.43 | 765.19M | +275% | +1% | -68% | -39% | 14.41 | 0.85 | 2.32 | -9.98 | — | 1.13 | 67.71% | 22.54% | 16.12% | 5.95% | -12.80% | 0.75% | 0.06 | 0.72 | 0.25 | 0.25 | -15.42 | -3714.00% | 335.00% | -4765.00% | 6.39% | 0.01 | -11.79% | 5.45% | 78.60% | 101.31% | -10.60 | -16.08 | -2.39 | -0.57 |
| MCB | Metropolitan Bank Holding… | $84.15 | 866.58M | +5% | +146% | +23% | +18% | 12.80 | 1.23 | 1.73 | 3.15 | 110.05 | 1.23 | 52.64% | 19.26% | 13.49% | 9.65% | 13.26% | 0.91% | 0.00 | 0.48 | — | — | -0.12 | 1164.00% | 710.00% | -3919.00% | 9.74% | — | 16.54% | 0.00% | 0.00% | 29.58% | 3.15 | 3.60 | 0.61 | 0.34 |
| MCBS | MetroCity Bankshares, Inc… | $28.10 | 809.79M | +75% | +6% | -40% | +78% | 10.75 | 1.65 | 2.96 | 9.11 | 43.44 | 1.65 | 59.36% | 37.25% | 27.52% | 16.07% | 11.65% | 1.82% | 0.91 | 0.92 | 0.10 | 0.10 | 1.62 | 2475.00% | 1196.00% | -1938.00% | 8.97% | 0.02 | 11.24% | 3.04% | 32.60% | 9.77% | 9.42 | 13.22 | 3.51 | -0.41 |
| NBBK | NB Bancorp, Inc. Common S… | $21.34 | 803.4M | +72% | -16% | +16% | +75% | 16.85 | 0.93 | 2.34 | 8.54 | 4.61 | 0.93 | 52.82% | 19.28% | 13.86% | 5.53% | 6.28% | 0.87% | 0.16 | 0.45 | 0.08 | 0.08 | -1.47 | 36522.00% | 2801.00% | -1756.00% | 5.81% | 0.01 | 6.15% | 0.00% | 0.00% | 39.88% | 8.97 | 12.75 | 1.73 | -0.62 |
| ORRF | Orrstown Financial Servic… | $35.94 | 700.79M | +1% | +31% | -32% | +184% | 20.65 | 0.88 | 1.60 | -11.03 | — | 1.14 | 61.20% | 9.79% | 7.76% | 5.64% | -9.07% | 0.52% | 0.41 | 0.30 | 0.24 | 0.24 | -1.04 | -5673.00% | 6299.00% | -1939.00% | 7.33% | 0.01 | -13.73% | 2.89% | 59.80% | 37.07% | -14.87 | -12.39 | -1.46 | -0.63 |
About Mid Penn Bancorp, Inc.
Mid Penn Bancorp, Inc. operates as the bank holding company for Mid Penn Bank that provides commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company offers various time and demand deposit products, including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and IRAs. It also provides a range of loan products comprising mortgage and home equity loans, secured and unsecured commercial and consumer loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities, and local government loans. In addition, the company offers online banking, telephone banking, cash management, and automated teller services, as well as safe deposit boxes; and trust and wealth management services. As of December 31, 2021, it operated sixty full-service retail banking locations in Berks, Blair, Bucks, Centre, Chester, Clearfield, Cumberland, Dauphin, Fayette, Huntingdon, Lancaster, Lehigh, Luzerne, Lycoming, Montgomery, Northumberland, Perry, Schuylkill, and Westmoreland counties, Pennsylvania. The company was founded in 1868 and is headquartered in Harrisburg, Pennsylvania.
- CEO
- Rory G. Ritrievi
- Employees
- 600
- Beta
- 0.54
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($40.13 ÷ $33.32) − 1 = +20.44% (DCF, example).