Mid Penn Bancorp is a fast-growing regional bank on a low forward multiple with small insider buying, but it has missed earnings in 3 of the last 4 quarters and trades within 1.7% of the analyst target.
Thesis pillars
- Strong Revenue Growth↓Deteriorating
- Earnings Misses Narrow↓Deteriorating
- Low Forward Multiple↑Improving
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 24, 2026, based on the 10-K filed Mar 12, 2026
Mid Penn Bancorp (MPB) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $34.21 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).
Mid Penn Bancorp is the financial holding company for Mid Penn Bank, a Pennsylvania-chartered community bank operating 59 retail branches across nineteen Pennsylvania counties and five New Jersey counties, following its 2025 acquisition of William Penn Bancorporation. The bank... Read more
Sell if holding. Analyst target reached at $34.21 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2). Chart setup: No clear chart pattern; technical signals are mixed. Score 6.0/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 83d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About Mid Penn Bancorp
About Mid Penn Bancorp
Mid Penn Bancorp held $6.1 billion in total consolidated assets, $5.2 billion in deposits and $814.1 million in shareholders' equity as of December 31, 2025, following an all-stock acquisition of William Penn Bancorporation that added 12 branches in the Philadelphia region. The bank operates 59 full-service retail banking offices across nineteen Pennsylvania counties and five New Jersey counties, supervised by the Pennsylvania Department of Banking and Securities and the FDIC. A pending cash-and-stock acquisition of 1st Colonial, announced in September 2025, would extend Mid Penn's footprint further into southern New Jersey.
Mid Penn's business consists almost entirely of Mid Penn Bank, managed as a single reportable segment, which attracts deposits and funds commercial real estate, commercial and industrial, residential mortgage, construction and consumer loans through its branch network. The bank has grown substantially through acquisitions, including Riverview Financial (2021), Brunswick (2023) and William Penn (2025), each adding branches and deposits across Pennsylvania and New Jersey. Beyond banking, Mid Penn has built an insurance and wealth-management business through acquisitions of Commonwealth Benefits Group and Charis Insurance Group, plus a pending purchase of Cumberland Advisors, a registered investment adviser expected to bring approximately $3.2 billion in assets under management. Credit risk is managed through underwriting policies, loan monitoring and portfolio diversification, with collateral generally secured by real estate whose value depends on local market conditions across its footprint.
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Mid Penn's 10-K discloses that, as of December 31, 2025, the bank's highest concentration of credit is in commercial real estate, a category sensitive to regional office and retail vacancy trends and to the pace of interest-rate normalization following its multi-year acquisition spree. The bank's rapid inorganic growth, four bank acquisitions since 2021 plus two pending transactions signed in September 2025, also concentrates near-term integration risk, since credit-quality assumptions and systems conversions from William Penn, 1st Colonial and Cumberland Advisors must all be absorbed within a compressed timeframe.
See also: Financial Services · Banks - Regional
From Mid Penn Bancorp's most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-10-29Recent Developments — Mid Penn Bancorp
Latest news
- NEWS Mid Penn Bancorp Posts Strong Q2 Earnings, Hikes Dividend - TipRanks — TipRanks positive
- NEWS Did Mid Penn Bancorp Inc (MPB) Just Beat Expectations with Q2 Ea - GuruFocus — GuruFocus positive
- NEWS Mid Penn Bancorp (NASDAQ:MPB) Releases Quarterly Earnings Results, Beats Expectations By $0.06 EPS - MarketBeat — MarketBeat positive
- NEWS Earnings Flash (MPB) Mid Penn Bancorp, Inc. Reports Q2 Net Interest Income $65.3M - marketscreener.com — marketscreener.com neutral
- NEWS Mid Penn Bancorp (NASDAQ: MPB) Q2 earnings surge and dividend raised - Stock Titan — Stock Titan positive
Generated 2026-10-29T11:20:25Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_portfoliocommercial real estate10-K Item 1: 'As of December 31, 2025, the Bank's highest concentration of credit is in commercial real estate.'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $34.21 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2). Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $32.48. Score 6.0/10, moderate confidence.
Analyst target: $34.42 (+0.6% upside). Prior stop was $32.48. Stop-loss: $32.48.
Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2); Consecutive earnings misses (3).
Mid Penn Bancorp trades at a P/E of 11.8 (forward 9.0). TrendMatrix value score: 8.2/10. Verdict: Sell.
7 analysts cover MPB with a consensus score of 4.1/5. Average price target: $41.
What does Mid Penn Bancorp do?Mid Penn Bancorp is the financial holding company for Mid Penn Bank, a Pennsylvania-chartered community bank operating...
Mid Penn Bancorp is the financial holding company for Mid Penn Bank, a Pennsylvania-chartered community bank operating 59 retail branches across nineteen Pennsylvania counties and five New Jersey counties, following its 2025 acquisition of William Penn Bancorporation. The bank generates revenue primarily through commercial and consumer lending, deposit-taking, and trust and wealth management services, including a newly acquired registered investment adviser, Cumberland Advisors. As of December 31, 2025, Mid Penn held $6.1 billion in total assets and $5.2 billion in deposits, with commercial re