NASDAQ$MPB

Mid Penn Bancorp Inc · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Mid Penn Bancorp reported record high quarterly earnings, driven by strong organic loan and deposit growth, increased net interest income, and controlled operating expenses.

Mid Penn Bancorp reported a record first quarter in 2021, with net income to common shareholders of $9,312,000, or $1.10 per share diluted. Total assets reached $3,382,038,000, reflecting a 13 percent increase compared to December 31, 2020. The company experienced strong organic loan and deposit growth, increased net interest income, and a decrease in non-performing assets.

  • Net income to common shareholders reached $9,312,000, or $1.10 per share diluted, a 144% increase compared to Q1 2020.
  • Total assets increased to $3,382,038,000, a 13% increase since December 31, 2020.
  • Net interest income increased by 43% to $25,325,000 compared to Q1 2020, including $5,037,000 of PPP loan processing fees.
  • Nonperforming assets decreased significantly, with total nonperforming assets at $6,831,000, compared to $15,644,000 at December 31, 2020.

Headline financials

Total Revenue

$30M

Previous: $20.6M+45.8%
EPS (adj)

$1.10

Previous: $0.45+144.4%
Return on average equity

14.6%

Previous: 6.4%+126.7%
Tier 1 Capital to Average Assets

6.7%

Previous: 7.8%-14.1%
Common Tier 1 Capital to Risk Weighted Assets

9.7%

Previous: 9.6%+1.0%
Tier 1 Capital to Risk Weighted Assets

9.7%

Previous: 9.6%+1.0%
Total Capital to Risk Weighted Assets

12.5%

Previous: 12.5%+0.0%
Tax-equivalent net interest margin

3.5%

Previous: 3.5%+0.3%
Capital Expenditures

-$652K

Previous: -$2.09M+68.7%
Free Cash Flow

$8.66M

Previous: $1.73M+399.7%
Net Income

$9.31M

Previous: $3.82M+143.9%
Operating Income

$23.4M

Previous: $11.3M+106.7%
Gross Profit

$30M

Previous: $20.6M+45.8%
Cash & Equivalents

$37.4M

Previous: $31.8M+17.6%
Total Assets

$3.38B

Previous: $2.3B+47.1%
Stock-Based Comp

$132K

Previous: $96K+37.5%

Revenue & EPS history

Mid Penn Bancorp · Revenue · Quarterly

$30M

Q1 2021+45.8%vs Q1 2020
Beat estimate in 10 of 13 quarters(77%)
ActualEstimate

Revenue by segment

Mid Penn Bancorp · $13.8M total across 4 segments · Q4 2020

  • Mortgage banking
    $9.68M
  • ATM debit card interchange
    $1.96M
  • Fiduciary and wealth management
    $1.69M
  • Net gain on sales of SBA loans
    $442K

Forward guidance

The company did not provide specific forward guidance in the earnings report. However, the president's statement expressed optimism about reaching high expectations for future performance.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

+1.1%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+2.8%

Avg return

30 days after

61%

40 / 66 earnings

Positive

+18.5%

Q1 2020

Best reaction

-6.5%

Q4 2019

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.4%+1.0%-3.3%
Q4 2025+2.5%-5.9%+1.0%
Q3 2025+1.1%-3.9%-0.7%
Q2 2025-1.1%+0.0%+5.6%
Q1 2025-0.8%-1.1%-10.3%
Q4 2024+1.0%+2.3%-4.3%
Q3 2024+1.6%+4.9%+5.5%
Q2 2024+4.5%+5.4%+11.1%
Q1 2024+1.5%+1.1%+4.1%
Q4 2023-3.6%-10.4%-12.2%
Q3 2023+2.8%+1.8%+13.2%
Q2 2023-3.0%-4.7%-12.9%
Q1 2023-2.3%-13.6%+2.8%
Q4 2022+0.3%+1.2%+0.7%
Q3 2022+2.9%+5.1%+5.1%
Q2 2022+2.4%+4.5%+5.8%
Q1 2022+3.9%+1.5%+6.8%
Q4 2021-3.5%-3.9%-7.4%
Q3 2021+1.5%+5.9%+17.4%
Q2 2021+0.5%-1.8%-0.3%
Q1 2021+1.8%+4.6%+11.3%
Q4 2020+3.6%+7.0%+12.0%
Q3 2020-2.0%+2.2%+17.9%
Q2 2020+4.2%+3.4%+10.5%
Q1 2020+18.5%+14.4%+23.5%
Q4 2019-6.5%-12.6%-19.8%
Q3 2019+1.0%+3.2%+6.1%
Q2 2019-1.5%-1.6%-17.8%
Q1 2019+3.4%+1.4%+0.5%
Q4 2018-1.9%-2.9%+3.1%
Q3 2018-0.4%+5.4%+5.1%
Q2 2018-3.2%-3.0%-10.5%
Q1 2018+1.9%+0.0%-4.3%
Q4 2017+8.2%+4.3%+0.5%
Q3 2017+0.0%+0.0%+8.6%
Q2 2017+2.3%+2.3%+3.4%
Q1 2017+2.7%+4.0%+0.2%
Q4 2016-2.4%-1.6%+6.1%
Q3 2016-0.2%+0.1%+13.1%
Q2 2016+3.5%+3.7%+14.1%
Q1 2016+2.3%
Q4 2015+1.2%
Q3 2015-1.6%
Q2 2015+3.5%
Q1 2015-0.1%
Q4 2014-0.8%
Q3 2014+3.6%
Q2 2014+2.9%
Q1 2014+6.4%
Q4 2013-0.4%
Q3 2013+4.5%
Q2 2013+1.3%
Q1 2013-2.9%
Q4 2012+0.5%
Q3 2012+1.5%
Q2 2012-0.1%
Q1 2011+1.4%
Q1 2012+3.0%
Q4 2009+0.8%
Q4 2011+0.8%
Q4 2010+0.8%
Q3 2011+0.0%
Q3 2010+0.0%
Q2 2011+0.0%
Q2 2010+0.0%
Q1 2010-4.9%

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