Company Analysis

Mid Penn Bancorp (MPB)

Nasdaq: MPB · State Commercial Banks · Harrisburg, PA · filing with the SEC since 1996
Grade4.0
◀ Past 2.9● Present 4.4▶ Future 5.0
1 est.

The grade of Mid Penn Bancorp

Nine metrics read from its own filings, by tense
Headline grade
4.0/10
◀ Past2.940% of the headline
● Present4.435% of the headline
▶ Future5.025% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

2.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
0.8/10

Has it survived what it has been through?

5 warning events since 2017; the latest 2025-12-29.

weight 45% of this tense · 8th percentile among 165 sector filers · read for itself

From the record

Mid Penn Bancorp's filings since 2017 show 5 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2021-08-30); an auditor change (8-K item 4.01, 2 times, the latest 2025-12-29); a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2024-03-15) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
8.1/10

What has it actually done, year after year?

+26.1% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 81st percentile among 152 sector filers · read for its customers

From the record

Mid Penn Bancorp's 10 filed years say what it did: revenue went from $40 million in fiscal 2016 to $324 million in fiscal 2025, up 26.1% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span26.1%top 8% of its family
  • the share of years revenue rosetop 13% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak0.0%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
2.5/10

How has it treated the people who own it?

Share count grew 11.0% a year. 29% of cash flow returned. Insiders: 1 sales, 39 purchases.

weight 33% of this tense · 25th percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Mid Penn Bancorp's diluted share count grew about 11.0% a year, and dividends and buybacks returned about 29% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 39 purchases of their own stock on the open market in the year to 2026-10-02, buying about $448 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 10% of its family
  • cash returned against operating cash flowbottom 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.4/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
3.7/10

Is it financially healthy right now?

ROE 7%: 7¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.

weight 45% of this tense · 37th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Mid Penn Bancorp earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 27.8% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 15% of its family
  • return on equitybottom 20% of its family
  • the share count against the year beforebottom 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.3/10

How strong is its position in its industry?

top 46% of 155 in its family; net margin 17.4%.

weight 33% of this tense · 54th percentile among 155 sector filers · read for its customers

From the record

Mid Penn Bancorp's standing among 155 graded names in its industry family: revenue of $324 million in fiscal 2025 ranks in the bottom 49% by size; a net margin of 17.4% ranks in the bottom 28%; revenue growth of 25% a year over the last 3 filed years ranks in the top 17% (its annual reports).

What it rests on

  • revenue against the family$324Mbottom 49% of its family
  • net margin17.4%bottom 28% of its family
  • three-year revenue growth25.0%top 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.4/10

What are the people in charge doing?

bottom 44% of 150 in its family for leadership; chief executive since 2009.

weight 22% of this tense · 44th percentile among 150 sector filers · read for its shareholders

From the record

Mid Penn Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Ritrievi, Rory G (President and CEO, as filed), filing under that title since 2009-03-06, 17.7 years (top 11% of its family); the 25 officers and directors filing in the last fifteen months have been on the record a median of 5.8 years (bottom 31%); 15 officer or director changes were reported on Form 8-K since 2023-11-13, against the 25 people in charge now (bottom 13%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge15 in three years among 25 peoplebottom 13% of its family
  • the median years the people in charge have filed5.8 yearsbottom 31% of its family
  • the chief executive's years on the record17.7 yearstop 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.0/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

SI estimate
4.1/10

How much room does it have to grow?

SI estimate 4.1/10, confidence 35 of 100 (one part).

weight 33% of this tense · 41st percentile among 162 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, cash from operations less capital spending against revenue, which ranks in the bottom 41% of 162 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read
The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned
one part: cash from operations less capital spending against revenue, the one part on file, ranked among 162 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Mid Penn Bancorp's room to expand is put at 4.1 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the bottom 41% of 162 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed
5.8/10

What could actually drive growth from here?

top 42% of 152 in its family for growth drivers.

weight 33% of this tense · 58th percentile among 152 sector filers · read for its customers

From the record

Mid Penn Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 25% a year over the last three filed years against 26.1% over all 10, slowing (bottom 19% of its family); the newest year grew 13% (top 16%); capital spending grew 24.7% a year (top 31%) (its annual reports). Mid Penn Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-1.0 points a yearbottom 19% of its family
  • the newest year's revenue growth13.0%top 16% of its family
  • three-year growth of capital spending24.7%top 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.2/10

Did its newest year beat what its own record pointed to?

top 48% of 150 in its family for expectations against reality.

weight 33% of this tense · 52nd percentile among 150 sector filers · read for its shareholders

From the record

Mid Penn Bancorp's newest year against its own record: revenue of $324 million in fiscal 2025 came in 14.1% below the $377 million its prior three years' pace pointed to (top 43% of its family); net income of $56 million against a prior three-year average of $47 million (top 40%); a net margin of 17.4% against 22.1% before (bottom 39%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-14.1%top 43% of its family
  • net income against the prior three years' average+19%top 40% of its family
  • net margin against its prior average-4.7 pointsbottom 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton MPB · research, not advice