NASDAQ$MPB

Mid Penn Bancorp Inc · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Reported record quarterly earnings and declared dividend.

Mid Penn Bancorp reported a net income to common shareholders of $9,787,000, or $0.86 per common share basic and diluted, for the quarter ended September 30, 2021, reflecting a 49 percent increase compared to the same period in the prior year. The company's total assets were $3,453,187,000 as of September 30, 2021, a 15 percent increase compared to December 31, 2020.

  • Net income to common shareholders increased by over 49 percent compared to the same period in the prior year.
  • Total assets increased by 15 percent compared to December 31, 2020.
  • Tangible book value per common share favorably increased to $24.75 as of September 30, 2021.
  • A third quarter dividend of $0.20 per common share was declared, payable on November 22, 2021.

Headline financials

Total Revenue

$32.5M

Previous: $26.7M+21.7%
EPS (adj)

$0.86

Previous: $0.78+10.3%
Return on average equity

11.2%

Previous: 10.6%+5.5%
Tier 1 Capital to Average Assets

8.6%

No prior period
Common Tier 1 Capital to Risk Weighted Assets

13.2%

No prior period
Total Capital to Risk Weighted Assets

15.8%

No prior period
Tax-equivalent net interest margin

3.3%

Previous: 3.1%+5.5%
Capital Expenditures

-$3.15M

Previous: -$2.94M-7.2%
Free Cash Flow

$6.64M

Previous: $3.61M+83.9%
Net Income

$9.79M

Previous: $6.55M+49.5%
Operating Income

$25.3M

Previous: $19.3M+30.8%
Gross Profit

$32.5M

Previous: $26.7M+21.7%
Cash & Equivalents

$42.7M

Previous: $46.7M-8.7%
Total Assets

$3.45B

Previous: $3.05B+13.1%
Stock-Based Comp

$227K

Previous: $104K+118.3%

Revenue & EPS history

Mid Penn Bancorp · Revenue · Quarterly

$32.5M

Q3 2021+21.7%vs Q3 2020
Beat estimate in 12 of 15 quarters(80%)
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 merger between Mid Penn and Riverview Financial Corporation is expected to be completed in the fourth quarter of 2021, with system conversion anticipated to occur during the first quarter of 2022.

Tailwinds

  • The partnership will expand Mid Penn’s presence into several new counties in Pennsylvania.
  • The merger will solidify the customer base in Mid Penn’s current market area.
  • The acquisition will bring on board many well-respected, talented employees.
  • The combined company will develop a statewide presence.
  • The merger will further Mid Penn's vision of being the best community bank in the state.

Headwinds

  • The occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the merger agreement between Mid Penn and Riverview.
  • The outcome of any legal proceedings that may be instituted against Mid Penn or Riverview.
  • Delays in completing the transaction.
  • The failure to obtain necessary regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the transaction).
  • The failure to obtain shareholder approvals or to satisfy any of the other conditions to the transaction on a timely basis or at all.

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 Q3 2021

Historical avgQ3 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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