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Upturn AI SWOT - About
MPB 
Mid Penn Bancorp (MPB)
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Upturn Advisory Summary
09/17/2025: MPB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34
1 Year Target Price $34
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.78% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 695.02M USD | Price to earnings Ratio 12.86 | 1Y Target Price 34 |
Price to earnings Ratio 12.86 | 1Y Target Price 34 | ||
Volume (30-day avg) 3 | Beta 0.64 | 52 Weeks Range 22.18 - 33.16 | Updated Date 09/17/2025 |
52 Weeks Range 22.18 - 33.16 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.64% | Basic EPS (TTM) 2.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23% | Operating Margin (TTM) 32.7% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 6.6% |
Valuation
Trailing PE 12.86 | Forward PE - | Enterprise Value 433710688 | Price to Sales(TTM) 3.63 |
Enterprise Value 433710688 | Price to Sales(TTM) 3.63 | ||
Enterprise Value to Revenue 4.01 | Enterprise Value to EBITDA - | Shares Outstanding 22998800 | Shares Floating 19775546 |
Shares Outstanding 22998800 | Shares Floating 19775546 | ||
Percent Insiders 17.45 | Percent Institutions 49.05 |
Upturn AI SWOT
Mid Penn Bancorp
Company Overview
History and Background
Mid Penn Bancorp, Inc. was founded in 1868. Originally known as Millersburg Trust Company, it has grown through acquisitions and organic expansion to become a leading community bank in central Pennsylvania. Significant milestones include the acquisition of several smaller banks and trust companies over the years.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals, businesses, and municipalities, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management and trust services to individuals and businesses.
- Insurance Services: Insurance brokerage services.
Leadership and Structure
The leadership team comprises senior executives with experience in banking and finance. The organizational structure includes various departments overseeing lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Competitors include other regional banks and national banks like PNC and Wells Fargo. Market share data is difficult to isolate due to the fragmented nature of the commercial lending market but it is assumed to be less than 1% nationally.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Competitors include national mortgage lenders and other regional banks. Market share data is difficult to isolate due to the fragmented nature of the mortgage market but it is assumed to be less than 1% nationally.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include national and regional banks. Market share data is difficult to isolate due to the fragmented nature of the banking market but it is assumed to be less than 1% nationally.
- Wealth Management Services: Provides Financial Planning, investment and estate planning services to high net worth individuals and businesses. Competitors include other regional banks and national banks like JP Morgan Chase. Market share data is difficult to isolate due to the fragmented nature of the Wealth Management market but it is assumed to be less than 1% nationally.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Economic uncertainty and potential recessionary pressures are also key factors.
Positioning
Mid Penn Bancorp positions itself as a community-focused bank, emphasizing personalized service and local decision-making. Its competitive advantage lies in its strong relationships with customers and its understanding of the local market.
Total Addressable Market (TAM)
The total addressable market for banking services in the United States is estimated to be in the trillions of dollars. Mid Penn Bancorp, with its regional focus, captures a small portion of this TAM, primarily within its service area. Therefore is poised to continue to expand its presence within its current geographical footprint.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Experienced management team
- Solid customer relationships
- Diverse product offerings
- Healthy Capitalization
Weaknesses
- Limited geographic reach compared to larger banks
- Lower marketing budget compared to national competitors
- Potential vulnerability to local economic downturns
- Dependence on traditional banking model
Opportunities
- Expansion into new markets within Pennsylvania
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Regulatory changes increasing compliance costs
- Economic downturns affecting loan portfolio quality
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Fulton Financial (FULT)
- Northwest Bancshares (NWBI)
Competitive Landscape
Mid Penn Bancorp faces stiff competition from larger regional and national banks with greater resources and broader geographic reach. Its strength lies in its community focus and personalized service, which can differentiate it from larger competitors.
Major Acquisitions
Riverview Financial Corporation
- Year: 2022
- Acquisition Price (USD millions): 124.6
- Strategic Rationale: Expanded Mid Penn Bancorp's footprint and market share in central Pennsylvania.
Growth Trajectory and Initiatives
Historical Growth: See source disclaimer.
Future Projections: See source disclaimer.
Recent Initiatives: See source disclaimer.
Summary
Mid Penn Bancorp is a regional bank with a strong local presence, benefiting from experienced leadership and community-focused values. Its growth is constrained by its limited geographic reach and competition from larger institutions. Strategic acquisitions and technological advancements will be essential for future growth. Economic downturns and regulatory changes pose ongoing challenges to its profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Financial News Outlets
- SNL Financial
Disclaimers:
Financial data and analysis are based on publicly available information and are subject to change. Market share estimates are approximate and may vary. This analysis is for informational purposes only and does not constitute financial advice. The year over year Analysis, Balance sheet & cash flow, Dividend history, Shareholder returns, Historical Growth and Future Projections are available in company filings
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mid Penn Bancorp
Exchange NASDAQ | Headquaters Harrisburg, PA, United States | ||
IPO Launch date 1997-12-04 | President, CEO & Chairman Mr. Rory G. Ritrievi | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 600 | Website https://www.midpennbank.com |
Full time employees 600 | Website https://www.midpennbank.com | ||
Mid Penn Bancorp, Inc. operates as the bank holding company for Mid Penn Bank that provides commercial banking services to individuals, partnerships, non-profit organizations, and corporations. It offers various time and demand deposit products, including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and individual retirement accounts. The company 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. In addition, it offers trust, retail investment, wealth management, and insurance services; and online banking, telephone banking, cash management, and automated teller services, as well as safe deposit boxes. The company was founded in 1868 and is headquartered in Harrisburg, Pennsylvania.
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