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Upturn AI Summary - About
Mid Penn Bancorp(MPB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MPB
10/08/2026: MPB (2-star) is currently NOT-A-BUY. Pass it for now.
Mid Penn Bancorp is a regional financial institution focused on providing commercial and retail banking services across Pennsylvania. The company is known for its strong community relationships and a disciplined approach to credit, which have historically supported steady performance. Its primary growth opportunity lies in regional market expansion and the broadening of its fee-based wealth management services. However, the bank faces risks related to geographic concentration, interest rate sensitivity, and intense competition from larger financial entities. It is generally well-suited for value and dividend-focused investors, provided they monitor regional economic trends and the company’s ability to successfully execute its strategic growth initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is primarily incremental and tied to regional economic cycles rather than rapid expansion. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and lower turnover than typical momentum plays. |
| Value investor | Strong fit | The company often trades at valuations reflective of stable, small-cap regional banking assets. |
| Dividend investor | Strong fit | Consistent dividend payments make this an attractive option for income-focused portfolios. |
| Low-risk investor | Mixed fit | While regional banks are stable, concentration risk and economic sensitivity warrant moderate caution. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and broader market sentiment. |
| Valuation risk | Low | The company's valuation is generally anchored to tangible book value and regional earnings potential. |
| Competition risk (regional banking) | Medium / high | Stiff competition from larger banks can compress margins and loan growth. |
| Business quality | Medium | The franchise relies on local economic health and effective credit risk management. |
| Dividend income | Low | The dividend is generally considered stable but subject to regulatory capital requirements. |
| Execution risk | Medium | Successful growth depends on identifying and integrating suitable acquisition targets. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 27.03% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/08/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 905.23M USD | Price to earnings Ratio 12.49 | 1Y Target Price 40.33 |
Price to earnings Ratio 12.49 | 1Y Target Price 40.33 | ||
Volume (30-day avg) 97.1K shares | Beta 0.48 | 52 Weeks Range 25.86 - 38.92 | Updated Date 10/08/2026 |
52 Weeks Range 25.86 - 38.92 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 2.45% | Basic EPS (TTM) 2.86 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank makes most of its money from the difference between the interest it charges borrowers and pays savers. |
| Non-Interest Income | Service charges, trust and wealth management fees, and mortgage banking income. | Additional revenue is generated from fees for services and financial products provided to customers. |
| Geography: Pennsylvania | Primary operations located throughout central and eastern Pennsylvania. | The bank's success is tied closely to the regional economy of Pennsylvania. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.49 | Forward PE 11.06 | Enterprise Value 973.71M | Price to Sales(TTM) 3.44 |
Enterprise Value 973.71M | Price to Sales(TTM) 3.44 | ||
Enterprise Value to Revenue 4.2 | Enterprise Value to EBITDA - | Shares Outstanding 25.34M | Shares Floating 21.92M |
Shares Outstanding 25.34M | Shares Floating 21.92M | ||
Percent Insiders 16.85 | Percent Institutions 53.88 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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