* Note: Prices are in Million (M) USD.
Description:
Mid Penn Bancorp, Inc. is the banking holding company for Mid Penn Bank providing commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company is headquartered in Millersburg, Pennsylvania.
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Cash : $53 M
Debt : $58 M
EBITDA : $67 M
Net Debt (Debt - Cash): $5 M
Since Net Debt is covered by EBITDA within 1 year, 3 points assigned.
This criteria used industry in which company operates:
Sector: Financials
Industry: Banks - regional
Based on industry, 3 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Message: Cannot calculate PE Ratio since EPS is either 0 or negative.
Using default values for calculation.
Forward PE Ratio (using default values): 20.00
Since Forward PE Ratio is between 20 - 25, 2 points assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Using last 20 overlapping fiscal years (max 20).Average Free Cash Flow: $16 M
Average Revenue: $75 M
Revenue Converted To Free Cash Flow (%): 21.3%
Since Free Cash Flow (FCF) to Revenue percentage is greater than 15, 3 points assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $178 M
Revenue 5 Years Ago (2019-12-31): $108 M
Total Growth over 5 Years: 64.6%
5-Year Revenue CAGR (Historical): 10.5%
Forward 5-Year CAGR (Tapered): 8.4%
Since historical Revenue CAGR is between 10 - 15, 3 points assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $17 M
Share Count 5 Years Ago (2020-12-31): $8 M
Company is not buying back its own shares, 0 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Message: Cannot calculate payout ratio because EPS is either 0 or negative.
Using default values for calculation.
Based on default values, 1 points assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Using last 20 valid ROE years (max 20).Average ROE: 8.2%
Since Average ROE is less than 10, 1 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $31
52-Week Low: $22
Threshold Price (15% Above 52-Week Low): $26
Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $694 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the market cap, we recommend do not exceed 1% exposure of Total Portfolio.
Warren Buffett's Owners' Earnings:
Owners' Earnings (FCF/Share) (TTM ending 2025-06-30): $2.97
Owners' Earnings (FCF/Share, latest positive annual) (2024-12-31): $2.61
Note: Many fast-growing companies reinvest heavily, so Owners' Earnings may appear low.
Consider other factors in your valuation.
Value-Trade has assigned 17 points to above Mid Penn Bancorp (MPB) stock.
Last 18 Years Avg PE 9.74, Fair Value PE 12, Industry Based PE 13, Growth Based PE 15, RCFC Based PE 21.26, ROE Based PE 8.23, Risk-Free Anchored PE (25% MoS) 17.61. Based on these 7 values, average assigned is 13.83. The fair value of Mid Penn Bancorp (MPB) stock cannot be calculated since EBITDA and EPS are either 0 or negative.
