ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Mid Penn Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 17.63%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.98%
3
Positive results in Jun 25
- NII(Q) Highest at USD 48.21 MM
- NET PROFIT(Q) Highest at USD 15.77 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 90.7%
4
With ROA of 0.53%, it has a fair valuation with a 0.93 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 -9.80%, its profits have risen by 11.8%
5
High Institutional Holdings at 55.8%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.9% over the previous quarter.
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.
-4.45%
1.55
28.15%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.90%
EBIT Growth (5y)
19.95%
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
27.62%
Pledged Shares
0
Institutional Holding
55.80%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.93
EV to EBIT
10.32
EV to EBITDA
9.21
EV to Capital Employed
0.92
EV to Sales
2.00
PEG Ratio
NA
Dividend Yield
2.14%
ROCE (Latest)
8.96%
ROE (Latest)
7.75%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at USD 48.21 MM
NET PROFIT(Q)
Highest at USD 15.77 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 90.7%
NET SALES(Q)
Highest at USD 80.02 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 56.15 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 88.68%
OPERATING PROFIT MARGIN(Q)
Lowest at 19.11 %
EPS(Q)
Lowest at USD 0.22
Here's what is working for Mid Penn Bancorp, Inc.
NII
Highest at USD 48.21 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 15.77 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 80.02 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend Payout Ratio
Highest at 90.7%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 1.96 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 12.82%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Mid Penn Bancorp, Inc.
Operating Cash Flow
Lowest at USD 56.15 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit Margin
Lowest at 19.11 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
EPS
Lowest at USD 0.22
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 88.68%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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