Mid Penn Bancorp Inc - Understand $mpb stock

$MPB Market Cap: $620.9 Million

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Financial Snapshot

Revenue

$213.3M

TTM

Gross Margin

Net Earnings

$48.30M

TTM

Current Assets

Current Liabilities

$140.9M

Q3 2024

Current Ratio

Total Assets

$5.527B

Q3 2024

Total Liabilities

$4.954B

Q3 2024

Book Value

$573.1M

Q3 2024

Cash

$144.4M

Q3 2024

P/E

12.86

Nov 29, 2024 EST

Free Cash Flow

$62.10M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$236.3M	$165.6M	$123.3M	$107.9M	$95.31M	$68.65M	$43.89M	$40.21M	$36.49M	$30.63M
YoY Change	42.72%	34.28%	14.26%	13.24%	38.83%	56.42%	9.15%	10.2%	19.14%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$236.3M	$165.6M	$123.3M	$107.9M	$95.31M	$68.65M	$43.89M	$40.21M	$36.49M	$30.63M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$4.900M	$4.300M	$3.316M	$3.204M	$2.815M	$2.395M	$1.464M	$1.658M	$1.485M	$1.235M	$1.290M	$1.140M	$1.310M	$1.320M	$1.160M	$920.0K	$870.0K	$680.0K	$620.0K	$500.0K	$430.0K	$340.0K	$340.0K	$370.0K	$400.0K	$430.0K	$370.0K	$410.0K	$320.0K
YoY Change	13.95%	29.67%	3.5%	13.82%	17.54%	63.59%	-11.7%	11.65%	20.24%	-4.26%	13.16%	-12.98%	-0.76%	13.79%	26.09%	5.75%	27.94%	9.68%	24.0%	16.28%	26.47%	0.0%	-8.11%	-7.5%	-6.98%	16.22%	-9.76%	28.13%	18.52%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	$89.37M	$17.77M	$14.75M	$19.73M	$25.16M	$12.72M	$6.304M	$5.367M	$4.607M	$4.427M
YoY Change	402.99%	20.42%	-25.21%	-21.61%	97.83%	101.78%	17.46%	16.5%	4.07%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$44.69M	$67.35M	$36.05M	$31.34M	$21.43M	$12.73M	$11.59M	$10.08M	$8.172M	$7.163M	$6.100M	$6.200M	$5.800M	$3.200M	-$4.500M	$4.700M	$6.100M	$6.500M	$6.200M	$5.800M	$5.900M	$5.800M	$5.400M	$5.200M	$5.100M	$5.400M	$5.900M	$4.900M	$4.100M
YoY Change	-33.64%	86.81%	15.04%	46.27%	68.38%	9.8%	14.96%	23.36%	14.09%	17.43%	-1.61%	6.9%	81.25%	-171.11%	-195.74%	-22.95%	-6.15%	4.84%	6.9%	-1.69%	1.72%	7.41%	3.85%	1.96%	-5.56%	-8.47%	20.41%	19.51%	10.81%
Income Tax	$7.297M	$12.54M	$6.732M	$5.130M	$3.725M	$2.129M	$4.500M	$2.277M	$1.644M	$1.462M	$1.200M	$1.200M	$1.200M	$400.0K	-$2.200M	$1.100M	$1.400M	$1.600M	$1.600M	$1.400M	$1.300M	$1.300M	$1.200M	$1.200M	$1.300M	$1.500M	$1.700M	$1.400M	$1.100M
% Of Pretax Income	16.33%	18.62%	18.67%	16.37%	17.39%	16.73%	38.83%	22.59%	20.12%	20.41%	19.67%	19.35%	20.69%	12.5%		23.4%	22.95%	24.62%	25.81%	24.14%	22.03%	22.41%	22.22%	23.08%	25.49%	27.78%	28.81%	28.57%	26.83%
Net Earnings	$37.40M	$54.81M	$29.32M	$26.21M	$17.70M	$10.60M	$7.089M	$7.804M	$6.528M	$5.701M	$4.900M	$5.000M	$4.500M	$2.700M	-$2.300M	$3.600M	$4.700M	$4.900M	$4.600M	$4.400M	$4.600M	$4.500M	$4.200M	$3.900M	$3.900M	$3.900M	$4.200M	$3.500M	$3.000M
YoY Change	-31.76%	86.93%	11.87%	48.07%	67.05%	49.47%	-9.16%	19.55%	14.51%	16.35%	-2.0%	11.11%	66.67%	-217.39%	-163.89%	-23.4%	-4.08%	6.52%	4.55%	-4.35%	2.22%	7.14%	7.69%	0.0%	0.0%	-7.14%	20.0%	16.67%	11.11%
Net Earnings / Revenue	15.82%	33.1%	23.77%	24.28%	18.57%	15.43%	16.15%	19.41%	17.89%	18.61%
Basic Earnings Per Share	$2.29	$3.44	$2.71	$3.11	$2.09	$1.48	$1.67	$1.85	$1.47	$1.53
Diluted Earnings Per Share	$2.29	$3.440M	$2.71	$3.10	$2.09	$1.48	$1.67	$1.857M	$1.585M	$1.629M	$1.400M	$1.429M	$1.286M	$771.4K	-$657.1K	$1.029M	$1.343M	$1.400M	$1.314M	$1.257M	$1.314M	$1.286M	$1.200M	$1.114M	$1.114M	$1.114M	$1.200M	$1.000M	$909.1K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$48.48M	$46.18M	$45.40M	$38.30M	$39.80M	$25.30M	$16.20M	$11.10M	$14.00M	$12.20M	$12.50M	$13.10M	$13.30M	$13.20M	$12.90M	$11.40M	$10.60M	$9.600M	$6.300M	$4.900M	$3.900M	$3.300M	$3.400M	$3.600M	$3.300M	$3.500M	$3.500M	$3.400M	$3.500M
YoY Change	4.99%	1.71%	18.54%	-3.77%	57.31%	56.17%	45.95%	-20.71%	14.75%	-2.4%	-4.58%	-1.5%	0.76%	2.33%	13.16%	7.55%	10.42%	52.38%	28.57%	25.64%	18.18%	-2.94%	-5.56%	9.09%	-5.71%	0.0%	2.94%	-2.86%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$25.37M	$14.98M	$14.70M	$3.600M	$2.800M	$4.700M	$1.900M	$6.200M	$1.800M	$2.100M	$3.200M	$1.800M	$2.400M	$2.900M	$2.300M	$2.200M	$2.100M	$1.600M	$1.400M	$1.000M	$300.0K	$500.0K	$1.000M	$1.100M	$1.700M	$400.0K	$400.0K	$500.0K	$500.0K
YoY Change	69.37%	1.9%	308.33%	28.57%	-40.43%	147.37%	-69.35%	244.44%	-14.29%	-34.38%	77.78%	-25.0%	-17.24%	26.09%	4.55%	4.76%	31.25%	14.29%	40.0%	233.33%	-40.0%	-50.0%	-9.09%	-35.29%	325.0%	0.0%	-20.0%	0.0%
Total Long-Term Assets
YoY Change
Total Assets	$5.292B	$4.486B	$4.689B	$2.999B	$2.231B	$2.078B	$1.170B	$1.033B	$931.6M	$755.7M	$713.1M	$705.2M	$715.4M	$637.5M	$606.0M	$573.0M	$509.8M	$491.7M	$438.1M	$403.3M	$373.5M	$363.3M	$330.6M	$315.6M	$287.5M	$277.8M	$256.7M	$210.2M	$194.7M
YoY Change
Accounts Payable	$14.26M	$2.303M	$1.800M	$2.000M	$2.200M	$2.300M	$600.0K	$500.0K	$400.0K	$300.0K	$400.0K	$600.0K	$1.100M	$1.100M	$1.800M	$2.400M	$2.000M	$1.900M	$1.500M	$1.200M	$1.000M	$1.200M	$1.300M	$1.500M	$1.200M	$1.200M	$1.300M	$1.000M	$1.100M
YoY Change	519.06%	27.94%	-10.0%	-9.09%	-4.35%	283.33%	20.0%	25.0%	33.33%	-25.0%	-33.33%	-45.45%	0.0%	-38.89%	-25.0%	20.0%	5.26%	26.67%	25.0%	20.0%	-16.67%	-7.69%	-13.33%	25.0%	0.0%	-7.69%	30.0%	-9.09%
Accrued Expenses	$9.285M	$9.725M	$11.40M	$11.20M	$12.50M
YoY Change	-4.52%	-14.69%	1.79%	-10.4%
Deferred Revenue
YoY Change
Short-Term Debt	$241.5M	$102.6M	$0.00	$125.6M	$0.00	$43.10M	$34.60M		$31.60M	$600.0K	$23.80M		$0.00	$1.600M	$16.00M	$24.00M	$37.30M	$24.30M	$12.30M	$13.80M	$9.700M	$18.20M	$9.600M	$22.70M	$24.60M	$12.20M	$2.200M	$4.500M	$4.300M
YoY Change	135.3%		-100.0%		-100.0%	24.57%			5166.67%	-97.48%			-100.0%	-90.0%	-33.33%	-35.66%	53.5%	97.56%	-10.87%	42.27%	-46.7%	89.58%	-57.71%	-7.72%	101.64%	454.55%	-51.11%	4.65%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$265.1M	$12.03M	$13.20M	$13.20M	$14.70M	$2.300M	$600.0K	$500.0K	$400.0K	$300.0K	$400.0K	$600.0K	$1.100M	$1.100M	$1.800M	$2.400M	$2.000M	$1.900M	$1.500M	$1.200M	$1.000M	$1.200M	$1.300M	$1.500M	$1.200M	$1.200M	$1.300M	$1.000M	$1.100M
YoY Change	2103.81%	-8.88%	0.0%	-10.2%	539.13%	283.33%	20.0%	25.0%	33.33%	-25.0%	-33.33%	-45.45%	0.0%	-38.89%	-25.0%	20.0%	5.26%	26.67%	25.0%	20.0%	-16.67%	-7.69%	-13.33%	25.0%	0.0%	-7.69%	30.0%	-9.09%
Long-Term Debt	$105.4M	$61.35M	$155.5M	$119.7M	$60.00M	$75.10M	$29.70M	$21.00M	$47.70M	$53.00M	$23.10M	$22.50M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	71.73%	-60.55%	29.91%	99.5%	-20.11%	152.86%	41.43%	-55.97%	-10.0%	129.44%	2.67%
Other Long-Term Liabilities	$31.80M	$19.80M	$28.60M	$10.20M	$6.200M	$8.300M	$6.100M	$5.200M	$4.800M	$4.700M	$4.700M	$4.400M	$4.100M	$3.700M	$3.400M	$3.700M	$2.600M	$2.500M	$2.300M	$1.900M	$1.400M	$1.700M	$1.300M	$1.000M	$900.0K	$500.0K	$700.0K	$600.0K	$1.100M
YoY Change	60.58%	-30.76%	180.39%	64.52%	-25.3%	36.07%	17.31%	8.33%	2.13%	0.0%	6.82%	7.32%	10.81%	8.82%	-8.11%	42.31%	4.0%	8.7%	21.05%	35.71%	-17.65%	30.77%	30.0%	11.11%	80.0%	-28.57%	16.67%	-45.45%
Total Long-Term Liabilities	$137.2M	$81.15M	$184.1M	$129.9M	$66.20M	$83.40M	$35.80M	$26.20M	$52.50M	$57.70M	$27.80M	$26.90M	$4.100M	$3.700M	$3.400M	$3.700M	$2.600M	$2.500M	$2.300M	$1.900M	$1.400M	$1.700M	$1.300M	$1.000M	$900.0K	$500.0K	$700.0K	$600.0K	$1.100M
YoY Change	69.01%	-55.92%	41.72%	96.22%	-20.62%	132.96%	36.64%	-50.1%	-9.01%	107.55%	3.35%	556.1%	10.81%	8.82%	-8.11%	42.31%	4.0%	8.7%	21.05%	35.71%	-17.65%	30.77%	30.0%	11.11%	80.0%	-28.57%	16.67%	-45.45%
Total Liabilities	$4.748B	$3.974B	$4.199B	$2.743B	$1.993B	$1.855B	$1.095B	$962.1M	$861.6M	$696.5M	$660.2M	$653.0M	$661.9M	$589.3M	$559.3M	$522.1M	$469.3M	$452.6M	$401.2M	$368.0M	$336.1M	$328.1M	$298.9M	$286.0M	$261.0M	$246.3M	$227.0M	$185.5M	$172.0M
YoY Change	19.48%	-5.36%	53.07%	37.63%	7.47%	69.43%	13.78%	11.66%	23.7%	5.5%	1.1%	-1.34%	12.32%	5.36%	7.13%	11.25%	3.69%	12.81%	9.02%	9.49%	2.44%	9.77%	4.51%	9.58%	5.97%	8.5%	22.37%	7.85%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Basic Shares Outstanding	16.32M shares	15.91M shares	10.81M	8.439M	8.469M	7.071M	4.237M	4.229M	4.107M	3.496M	3.492M	3.487M
Diluted Shares Outstanding	16.35M shares	15.93M shares	10.82M	8.443M	8.492M	7.092M	4.253M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $620.94 Million

About MID PENN BANCORP INC

Mid Penn Bancorp, Inc. is a financial holding company, which engages in the provision of commercial banking and financial services. The company is headquartered in Harrisburg, Pennsylvania and currently employs 612 full-time employees. The firm conducts its operations through Mid Penn Bank, a full-service commercial bank, and MPB Risk Services, LLC, a provider of insurance services to individuals, families, and businesses. The company operates retail locations throughout the Commonwealth of Pennsylvania and central New Jersey and offers a portfolio of financial products and services. The company provides full-service commercial banking and financial services, including mortgage and home equity loans, secured and unsecured commercial and consumer loans, lines of credit, construction financing, community development loans, loans to non-profit entities and local government loans, and various types of time and demand deposits, including checking accounts, savings accounts, clubs, money market deposit accounts, and others. The company provides services to commercial businesses and real estate investors, consumers, and municipalities through its 49 full-service retail banking properties.

Industry: State Commercial Banks Peers: EQUITY BANCSHARES INC FARMERS NATIONAL BANC CORP /OH/ MidWestOne Financial Group, Inc. MERCANTILE BANK CORP PNC FINANCIAL SERVICES GROUP, INC. SOUTH PLAINS FINANCIAL, INC.