NASDAQ$MPB

Mid Penn Bancorp Inc · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Reported net income available to common shareholders of $9.2 million, or $0.56 per diluted common share for Q3 2023.

Mid Penn Bancorp reported a challenging third quarter of 2023 with net income available to common shareholders of $9.2 million, or $0.56 per diluted common share. The company faced external pressures such as an inverted yield curve and elevated mortgage rates. However, there was significant organic growth on both sides of the balance sheet and a continuous improvement in asset quality metrics.

  • Organic loan growth was $111.1 million, or 10.9% (annualized), from the second quarter of 2023.
  • Organic deposit growth was $94.9 million, or 8.8% (annualized), from the second quarter of 2023.
  • Credit quality strengthened with nonperforming assets declining $1.6 million from June 30, 2023.
  • A quarterly cash dividend of $0.20 per share of common stock was declared.

Headline financials

Total Revenue

$42.8M

Previous: $45.4M-5.6%
EPS (adj)

$0.57

Previous: $0.97-41.2%
Tax-equivalent net interest margin

3.2%

Previous: 3.9%-19.4%
Non-performing asset to total assets

0.3%

No prior period
ACL on loans to total loans

0.8%

No prior period
Capital Expenditures

-$2.71M

Previous: -$3.73M+27.5%
Free Cash Flow

$6.53M

Previous: $11.7M-44.4%
Net Income

$9.24M

Previous: $15.5M-40.3%
Operating Income

$12.5M

Previous: $38M-67.1%
Gross Profit

$41.4M

Previous: $43.8M-5.5%
Cash & Equivalents

$65.2M

Previous: $76M-14.2%
Total Assets

$5.22B

Previous: $4.33B+20.4%
Stock-Based Comp

$312K

Previous: $237K+31.6%

Revenue & EPS history

Mid Penn Bancorp · Revenue · Quarterly

$42.8M

Q3 2023-5.6%vs Q3 2022
Beat estimate in 12 of 13 quarters(92%)
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

Mid Penn is currently evaluating levels of noninterest expense for opportunities to reduce operating costs throughout the organization.

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 2023

Historical avgQ3 2023

+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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