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Upturn AI SWOT - About
MPB 
Mid Penn Bancorp (MPB)
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Upturn Advisory Summary
10/24/2025: MPB (1-star) is currently NOT-A-BUY. Pass it for now.
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 $35.5
1 Year Target Price $35.5
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.57% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 679.20M USD | Price to earnings Ratio 12.54 | 1Y Target Price 35.5 |
Price to earnings Ratio 12.54 | 1Y Target Price 35.5 | ||
Volume (30-day avg) 3 | Beta 0.59 | 52 Weeks Range 22.18 - 33.16 | Updated Date 10/26/2025 |
52 Weeks Range 22.18 - 33.16 | Updated Date 10/26/2025 | ||
Dividends yield (FY) 2.84% | Basic EPS (TTM) 2.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.71 | Actual 0.77 |
Profitability
Profit Margin 23.96% | Operating Margin (TTM) 46.74% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 7.31% |
Valuation
Trailing PE 12.54 | Forward PE - | Enterprise Value 498407296 | Price to Sales(TTM) 3.25 |
Enterprise Value 498407296 | Price to Sales(TTM) 3.25 | ||
Enterprise Value to Revenue 3.84 | Enterprise Value to EBITDA - | Shares Outstanding 23039223 | Shares Floating 19814193 |
Shares Outstanding 23039223 | Shares Floating 19814193 | ||
Percent Insiders 17.42 | Percent Institutions 49.05 |
Upturn AI SWOT
Mid Penn Bancorp
Company Overview
History and Background
Mid Penn Bancorp, Inc. was founded in 1868 as The First National Bank of Millersburg. Through acquisitions and organic growth, it has expanded to become a regional bank serving central Pennsylvania.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Offers deposit accounts, residential mortgages, consumer loans, and other services to individual customers.
- Wealth Management: Provides financial planning, investment management, and trust services.
Leadership and Structure
The leadership team is headed by Rory G. Ritrievi, President and CEO. The organizational structure consists of various departments overseeing lending, operations, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data specific to Mid Penn Bancorp is difficult to obtain. Competitors include Fulton Financial (FULT), First Commonwealth Financial (FCF), and local credit unions.
- Description: Commercial Real Estate Loans contribute significantly to the bank's revenue stream, offering financing for various property types like office buildings, retail spaces, and industrial facilities.
- Description: Residential Mortgages cater to individuals seeking homeownership, providing options like fixed-rate and adjustable-rate mortgages.
- Residential Mortgages: Loans for purchasing or refinancing homes. Market share data specific to Mid Penn Bancorp is difficult to obtain. Competitors include large national banks, regional banks, and mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Market share data specific to Mid Penn Bancorp is difficult to obtain. Competitors include large national banks, regional banks, and credit unions.
- Description: Deposit Accounts form a crucial part of the bank's funding base, offering convenient and secure options for managing finances.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment with rising interest rates, increased competition, and evolving regulatory landscape. Regional banks are focusing on efficiency and customer experience.
Positioning
Mid Penn Bancorp is a regional bank competing in the Pennsylvania market. It focuses on building relationships with customers and providing personalized service. Its competitive advantages include local market knowledge and a community-focused approach.
Total Addressable Market (TAM)
The total addressable market for banking services in Pennsylvania is significant, estimated to be in the billions of dollars annually. Mid Penn Bancorp captures a relatively small percentage of this TAM, indicating potential for growth.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Solid capital base
- Customer-focused approach
Weaknesses
- Limited geographic footprint compared to larger banks
- Higher cost structure than some competitors
- Dependence on net interest income
- Lacking significant digital innovation
Opportunities
- Expansion into new markets through acquisitions or de novo branching
- Increased focus on digital banking and fintech partnerships
- Growing wealth management business
- Capitalizing on disruption to larger bank's marketshare.
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- CFR
- PBHC
- HNVR
Competitive Landscape
Mid Penn Bancorp competes with larger regional banks and smaller community banks. Its strengths lie in its local market expertise and customer relationships. Its weaknesses include its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be derived from past financial reports.
Future Projections: Future projections are based on analyst estimates which require a subscription to a financial data provider.
Recent Initiatives: Recent initiatives should be found in recent press releases.
Summary
Mid Penn Bancorp is a regional bank focused on central Pennsylvania with a strong community presence. While it has solid local market knowledge and a customer-focused approach, it faces competition from larger banks and fintech companies. Future growth depends on successful execution of digital initiatives and strategic acquisitions. Rising interest rates and economic uncertainty pose potential threats to its performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- FDIC Data
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on available public information and may not be precise. Financial metrics and future projections require current data which can be gathered from outside sources.
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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