# Mid Penn Bancorp (MPB) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $34.17, market value $866 million.

## Valuation
- **P/E (trailing): 11.8×** (5-yr avg 9.9×, 3-yr avg 10.4×). Mid Penn Bancorp trades at 11.8× trailing earnings, close to its own five-year average of 9.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 9.2%** (5-yr avg 13.5%). Free cash flow equals 9.2% of the market value, below its five-year average of 13.5%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.5%**. The inverse of the P/E: 8.5% of the price is earned each year.

## Profitability
- **Return on equity: 6.9%**. 6.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -12.1%** (3-yr -9.5%/yr, 5-yr -3.8%/yr). Earnings per share fell 12.1%.
- **Free-cash-flow growth (3 yr): 8.8%/yr**. Free cash flow has compounded at 8.8% a year over three years, keeping pace with earnings: the growth is real cash.

## Dividends
- **Dividend yield: 2.69%** ($0.90 per share, trailing). Mid Penn Bancorp yields 2.69%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 32%** (27% of free cash flow). 32% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 3**. 3 straight years of increases.
- **Dividend growth (5 yr): 1.3%/yr** (1-yr 2.5%). The dividend has grown 1.3% a year over five years.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Mid Penn Bancorp; the consensus is buy, with an average price target of $40.00 (+17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 20.6%** (YTD 11.0%, 3-mo -11.5%). The shares are up 20.6% over twelve months including dividends.
- **From 52-week high: -12.7%** (22.1% above the low). Trading 13% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 34**. An RSI of 34 is neutral.
- **Beta (1 yr): 0.52** (volatility 24%). Beta of 0.52 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=MPB · Page: https://foliofundamentals.com/stocks/mpb

Not investment advice.