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Upturn AI SWOT - About
MPB 
Mid Penn Bancorp (MPB)
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Upturn Advisory Summary
08/28/2025: 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 -6.52% | Avg. Invested days 39 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 693.41M USD | Price to earnings Ratio 12.83 | 1Y Target Price 34 |
Price to earnings Ratio 12.83 | 1Y Target Price 34 | ||
Volume (30-day avg) 3 | Beta 0.61 | 52 Weeks Range 22.18 - 33.16 | Updated Date 08/28/2025 |
52 Weeks Range 22.18 - 33.16 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.65% | 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 12.83 | Forward PE - | Enterprise Value 432100800 | Price to Sales(TTM) 3.62 |
Enterprise Value 432100800 | Price to Sales(TTM) 3.62 | ||
Enterprise Value to Revenue 4 | Enterprise Value to EBITDA - | Shares Outstanding 22998800 | Shares Floating 19775546 |
Shares Outstanding 22998800 | Shares Floating 19775546 | ||
Percent Insiders 17.45 | Percent Institutions 48.9 |
Upturn AI SWOT
Mid Penn Bancorp
Company Overview
History and Background
Mid Penn Bancorp, Inc. was founded in 1868 as Millersburg Trust Company. Over time, it evolved through organic growth and acquisitions to become a multi-bank holding company serving Central Pennsylvania. It provides a range of commercial and retail banking services.
Core Business Areas
- Commercial Banking: Offers loans, lines of credit, and deposit services to businesses of various sizes.
- Retail Banking: Provides checking accounts, savings accounts, mortgages, and other consumer-oriented financial products.
- Wealth Management: Offers trust and investment services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other key executives. The organizational structure is hierarchical, with regional presidents and department heads reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is specific to their operating region in Pennsylvania. Competitors include other regional banks and national banks with a local presence.
- Mortgages: Residential mortgages for home purchases and refinancing. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts. The market share is relative to the Central Pennsylvania region. Competition includes online banks, credit unions, and other local/regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from non-bank financial institutions and fintech companies.
Positioning
Mid Penn Bancorp is a regional bank focused on serving the Central Pennsylvania market. Its competitive advantages include local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Central Pennsylvania is estimated to be in the billions of dollars annually. Mid Penn Bancorp is positioned to capture a portion of this market through its branch network and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to national banks
- Higher cost structure than online banks
- Reliance on interest income
Opportunities
- Expanding into new markets through acquisitions
- Developing new digital banking products
- Increasing wealth management services
Threats
- Increasing competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- CBT
- UCBI
- HFWA
Competitive Landscape
Mid Penn Bancorp faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local market knowledge and customer service.
Major Acquisitions
Riverview Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 124.6
- Strategic Rationale: Expanded market presence in Central Pennsylvania and increased assets.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable without real-time access. Fill in with actual data from annual reports if available
Future Projections: Data unavailable without real-time access. Analyst estimates project continued growth in earnings per share.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Mid Penn Bancorp is a regional bank with a solid presence in Central Pennsylvania, focusing on commercial and retail banking, and wealth management. Its strategic acquisitions have bolstered its growth, while its local focus fosters strong customer relationships. The company faces competition from larger banks and fintech firms, necessitating continued investment in digital capabilities. Regulatory scrutiny and interest rate volatility pose challenges, but overall, the company appears to be well-positioned for continued growth in its target market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates. Financial metrics and shareholder data requires real time access which can be provided in the next iteration.
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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