NASDAQ$MPB

Mid Penn Bancorp Inc · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Reported earnings for the second quarter of 2022 and declared dividend.

Mid Penn Bancorp reported a net income of $12.3 million, or $0.77 per common share basic and diluted, for the quarter ended June 30, 2022. The quarter was successful due to strong loan growth, smart balance sheet management, continued strength in asset quality and a healthy reduction in expenses. The Board also declared a quarterly cash dividend of $0.20 per share of common stock.

  • Earnings increased $898 thousand and $0.06 per common share diluted to $12.3 million, or $0.77, respectively, for the quarter ended June 30, 2022 compared to the quarter ended March 31, 2022.
  • Tax equivalent net interest margin increased to 3.45% from 3.21% in the prior quarter and 3.34% in the same period prior year.
  • Loans grew 8% (annualized) during the three months ended June 30, 2022 from the first quarter of 2022. Loans, excluding Payroll Protection Program (“PPP”) loans (1), grew 11% (annualized) during the three months ended June 30, 2022 from the first quarter of 2022.
  • Asset quality continues to remain strong with both nonperforming loans to total loans and nonperforming assets to total loans plus other real estate at 25 basis points (“bp”) at June 30, 2022.

Headline financials

Total Revenue

$40.7M

Previous: $32.5M+25.0%
EPS (adj)

$0.77

Previous: $0.97-20.6%
Tangible book value per common share

$23.57

No prior period
Return on average equity

9.9%

Previous: 12.4%-19.8%
Tier 1 Capital to Average Assets

9.0%

No prior period
Common Tier 1 Capital to Risk Weighted Assets

11.5%

No prior period
Tier 1 Capital to Risk Weighted Assets

11.8%

No prior period
Total Capital to Risk Weighted Assets

14.1%

No prior period
Tax-equivalent net interest margin

3.5%

Previous: 3.3%+3.3%
Return on average assets

1.1%

No prior period
Return on average tangible common equity

13.6%

No prior period
Non-performing loans to total loans

0.3%

No prior period
Non-performing asset to total assets

0.2%

No prior period
Capital Expenditures

-$2.55M

Previous: -$1.52M-68.3%
Free Cash Flow

$9.7M

Previous: $8.1M+19.8%
Net Income

$12.3M

Previous: $9.61M+27.5%
Operating Income

$34.9M

Previous: $25.5M+36.8%
Gross Profit

$40.7M

Previous: $32.5M+25.0%
Cash & Equivalents

$64.4M

Previous: $37M+73.9%
Total Assets

$4.31B

Previous: $3.46B+24.5%
Stock-Based Comp

$291K

Previous: $173K+68.2%

Revenue & EPS history

Mid Penn Bancorp · Revenue · Quarterly

$40.7M

Q2 2022+25%vs Q2 2021
Beat estimate in 12 of 16 quarters(75%)
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 statements are valid only as of the date hereof and Mid Penn disclaims any obligation to update this information.

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 Q2 2022

Historical avgQ2 2022

+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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