ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Mid Penn Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 16.97%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 20.89%
3
Positive results in Dec 25
- NII(Q) Highest at USD 54.75 MM
- OPERATING CASH FLOW(Y) Highest at USD 63.4 MM
- ROCE(HY) Highest at 0.97%
4
With ROA of 0.51%, it has a fair valuation with a 0.83 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 17.08%, its profits have risen by 22.5% ; the PEG ratio of the company is 2.1
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Mid Penn Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Mid Penn Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Mid Penn Bancorp, Inc.
23.47%
1.83
28.81%
S&P 500
20.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.57%
EBIT Growth (5y)
19.54%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
32.16%
Pledged Shares
0
Institutional Holding
57.87%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.83
EV to EBIT
6.04
EV to EBITDA
5.38
EV to Capital Employed
0.73
EV to Sales
1.15
PEG Ratio
2.07
Dividend Yield
2.05%
ROCE (Latest)
12.05%
ROE (Latest)
7.19%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at USD 54.75 MM
OPERATING CASH FLOW(Y)
Highest at USD 63.4 MM
ROCE(HY)
Highest at 0.97%
NET PROFIT(Q)
Highest at USD 19.42 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 26.97 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.68 %
PRE-TAX PROFIT(Q)
Highest at USD 26.98 MM
EPS(Q)
Highest at USD 0.83
-3What is not working for the Company
ROCE(HY)
Lowest at 0.97%
CASH AND EQV(HY)
Lowest at USD 64.71 MM
Here's what is working for Mid Penn Bancorp, Inc.
NII
Highest at USD 54.75 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
Highest at USD 19.42 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 63.4 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 26.97 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.68 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 26.98 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 26.98 MM has Grown at 62.34%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 0.83
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Mid Penn Bancorp, Inc.
Cash and Eqv
Lowest at USD 64.71 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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