Mid Penn Bancorp Common Stock (MPB)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Graham-style investor, I start with price versus book and earnings. At the close on 2026-10-13, Mid Penn traded at $35.88, or 1.01 times book and 12.55 times earnings, per FairStock. That is not a demanding price for a regional bank, but it is not a giveaway either. The business is a Pennsylvania and New Jersey community bank. It has no wide moat; deposits and loans are competitive, and I cannot see CET1, net interest margin, combined ratio, or credit-quality ratios in this data, so I must be humble about underwriting risk. The earnings record is mixed. Filed figures show net income of $37.4M in FY2023, $49.4M in FY2024, and $56.2M in FY2025, yet diluted EPS went from $2.29 to $2.90 to $2.55. Quarterly results swing widely: fiscal Q2 2025, ended 2025-06-30, showed $4.8M net income and $0.22 EPS, while fiscal Q2 2026, ended 2026-06-30, showed $21.7M and $0.85. The supplied figures report 39.91% revenue growth and 355.50% profit growth, but those are likely off a weak base. ROE of 8.12% is modest. The FairStock Piotroski score is 5/9, neither strong nor alarming. The 2.56% dividend and low beta of 0.48 add some defensive appeal. The Lynch category is STALWART, with profit growing 16.5% a year over five years. Overall, a fair price, improving profits, but ordinary bank returns and hidden credit risk.

In plain English: Mid Penn Bancorp is a bank holding company that runs community banks in Pennsylvania and New Jersey. Its recent profits have grown sharply, but its return on shareholders' money is only modest and quarterly earnings have bounced around. At $35.88, the stock trades close to its book value and at a modest multiple of earnings, so the price looks fair rather than clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer