Mid Penn Bancorp (MPB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Mid Penn Bancorp stock $26.34, price $34.46, that is 23.6% below the price, quality 44 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Mid Penn Bancorp
MPB · USOur calculation puts a fair price 24% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $16.80 – $38.43 · fair‑value band $20.67 – $28.79 · the $34.46 price screens above the $26.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
Mid Penn Bancorp, Inc. operates as the bank holding company for Mid Penn Bank that provides commercial banking services to individuals, institutional clients, partnerships, non-profit organizations, businesses, and corporations in Pennsylvania and New Jersey, the United States.
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The company offers various time and demand deposit products, including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and individual retirement accounts.
It also provides a range of loan products comprising mortgage and home equity loans, secured and unsecured commercial and consumer loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities, and local government loans; and personal loans and lines of credit, home equity lines of credit, commercial lines of credit, commercial real estate financing, SBA loans, and agricultural loans.
In addition, the company offers trust, retail investment, wealth management, and personal and business insurance services; private banking; insured cash sweep; debit, credit, and gift cards; online bill payment; and online and telephone banking, cash management, automated teller services, and safe deposit boxes.
Mid Penn Bancorp, Inc. was founded in 1868 and is headquartered in Harrisburg, Pennsylvania.
Stock analysis
Mid Penn Bancorp (MPB) currently trades at $34.46, while our model-based Fair Value estimate is $26.34, 24% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $27.56 per share, and 0 of the 6 models we run sit above the $34.46 price.
Bear case: the Dividend Discount group reads lowest at $11.17, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $20.67 (bear) to $28.79 (bull), the price of $34.46 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Mid Penn Bancorp reported revenue of $327M in FY2025 versus $144M in FY2021, a compound +22.8%/yr. Reported net income was $56.2M in FY2025, compounding +17.7%/yr from FY2021.
Key figures
Market cap $807M Small · P/E ratio 11.8 · P/S ratio 2.91 · EPS (TTM) $2.92 · Dividend yield 2.6% · Net margin 25.8% · Return on equity 8.4% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (medium confidence).
What moves the price
The share trades about 10% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −24%, MPB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $7,155, on Sep 15, 2026.
- BuyRory G RitrieviPresident and CEO, Director193 shares at $37.07$7,155Sep 15, 2026
- BuyMatthew G De SotoDirector2× since Mar 12, 2026: 4,115 shares, avg. $31.56$129,886May 4, 2026
- BuyJohn E NooneDirector2× since Nov 19, 2025: 4,000 shares, avg. $29.56$118,240Mar 9, 2026
- BuyThomas R BruggerDirector818 shares at $31.35$25,644Mar 6, 2026
- SaleKenneth John StephonChief Corp Development Officer, Director0.82 shares at $32.59$27Feb 24, 2026
- Plan buyTheodore W MoweryDirector4× since Dec 31, 2025: 240 shares, avg. $33.26$7,982Sep 30, 2026
- Plan buyMatthew G De SotoDirector4× since Dec 31, 2025: 1,138 shares, avg. $33.38$37,991Sep 30, 2026
- Plan buyRobert A AbelDirector4× since Dec 31, 2025: 60 shares, avg. $33.28$1,997Sep 30, 2026
- Plan buyJoel L. FrankDirector4× since Dec 31, 2025: 300 shares, avg. $33.26$9,977Sep 30, 2026
- Plan buyAlbert J. EvansDirector4× since Dec 31, 2025: 1,203 shares, avg. $33.25$40,003Sep 30, 2026
Plus 1 more entries from the last 12 months.
Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
MPB screens overvalued: fair value 24% below the price. Compare with China Merchants Bank Co →
Earlier news
- Mid Penn Bancorp (MPB) Stock Drops After Q3 Earnings Margin Softens
- Mid Penn Bank Names Christopher Nestore Chief Risk Officer
- Mid Penn Bancorp, Inc. Announces Appointment of New Board Member
- Mid Penn Bancorp Non-GAAP EPS of $0.87
Compare Mid Penn Bancorp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Fair value gap by industry
- Return on assets by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs MPB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs MPB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs MPB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs MPB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs MPB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs MPB |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs MPB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs MPB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs MPB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs MPB |
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Key figures of Mid Penn Bancorp
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