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Upturn AI SWOT - About
MPB 
Mid Penn Bancorp (MPB)
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Upturn Advisory Summary
04/04/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 10.16% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 469.19M USD | Price to earnings Ratio 8.36 | 1Y Target Price 35 |
Price to earnings Ratio 8.36 | 1Y Target Price 35 | ||
Volume (30-day avg) 85875 | Beta 0.56 | 52 Weeks Range 18.63 - 33.64 | Updated Date 04/5/2025 |
52 Weeks Range 18.63 - 33.64 | Updated Date 04/5/2025 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 2.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.83% | Operating Margin (TTM) 38.23% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 8.26% |
Valuation
Trailing PE 8.36 | Forward PE - | Enterprise Value 475471360 | Price to Sales(TTM) 2.64 |
Enterprise Value 475471360 | Price to Sales(TTM) 2.64 | ||
Enterprise Value to Revenue 3.1 | Enterprise Value to EBITDA - | Shares Outstanding 19356000 | Shares Floating 17259355 |
Shares Outstanding 19356000 | Shares Floating 17259355 | ||
Percent Insiders 16.79 | Percent Institutions 52.18 |
Analyst Ratings
Rating 4.33 | Target Price 36.5 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Mid Penn Bancorp
Company Overview
History and Background
Mid Penn Bancorp, Inc. was founded in 1868 as Millersburg Trust Company. It has grown organically and through acquisitions, expanding its presence throughout Pennsylvania. Key milestones include transitioning to a bank holding company and expanding its service offerings.
Core Business Areas
- Commercial Banking: Offers commercial loans, deposit accounts, and cash management services to businesses of all sizes.
- Retail Banking: Provides a range of personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
Rory G. Ritrievi serves as the President and CEO. The company operates with a traditional board of directors and executive management structure, overseeing various business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes (equipment, working capital). Market share information is fragmented but competitors include larger national and regional banks. Competitors: PNC, M&T Bank, Fulton Financial.
- Mortgages: Residential mortgages for home purchase and refinance. Market share depends on local markets, but competitors include national mortgage lenders and other regional banks. Competitors: Wells Fargo, Rocket Mortgage, local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Competing against larger institutions and online banks for deposit market share. Competitors: Chase, Bank of America, Ally Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and heightened competition from fintech companies. Digital transformation and cybersecurity are also critical areas of focus.
Positioning
Mid Penn Bancorp is a regional bank focused on providing community banking services. It aims to differentiate itself through personalized service and local expertise, leveraging its knowledge of the central Pennsylvania market.
Total Addressable Market (TAM)
The TAM for banking services in Pennsylvania is estimated to be in the billions of dollars. Mid Penn Bancorp is positioned to capture a share of this market by focusing on specific geographic areas and customer segments. Precise TAM numbers are variable with changing economic conditions.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Solid financial performance
- Customer focused approach
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on local economy
- Higher overhead expenses compared to larger peers
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Leveraging technology to improve efficiency
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn impacting loan quality
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- PNC (PNC)
- M&T Bank (MTB)
- Fulton Financial (FFC)
Competitive Landscape
Mid Penn Bancorp competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local presence and customer service, while its disadvantage is its smaller scale compared to larger competitors.
Major Acquisitions
Scottdale Bank & Trust
- Year: 2021
- Acquisition Price (USD millions): 63.7
- Strategic Rationale: Expanded Mid Penn's presence into Western Pennsylvania and increased its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Mid Penn Bancorp has experienced steady growth through organic expansion and strategic acquisitions. Past performance is available in company financial reports.
Future Projections: Future growth projections are dependent on economic conditions and company-specific initiatives. Analyst estimates vary and are subject to change.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion of wealth management services, and strategic acquisitions.
Summary
Mid Penn Bancorp is a financially sound regional bank with a strong local presence. It has demonstrated consistent growth through acquisitions and organic expansion. While it faces competition from larger institutions, its focus on customer service and community banking positions it well for continued success. Risks include economic downturns and increased regulatory burdens.
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Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q, 8-K)
- Company Website
- Analyst Reports
- FDIC data
- Third Party Finanical Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual due diligence and consultation with a qualified financial advisor. Market share data is approximate and subject to change.
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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