NASDAQ$MPB

Mid Penn Bancorp Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Net income increased and a consecutive quarterly dividend was declared.

Mid Penn Bancorp reported a strong third quarter with net income available to common shareholders increasing by 33.2% to $12.3 million, or $0.74 per diluted common share. The results exceeded analyst estimates and were driven by strategies including restrained loan growth, robust core deposit growth and strong asset quality. The Board of Directors declared a cash dividend of $0.20 per common share.

  • Net income available to common shareholders increased 33.2% to $12.3 million, or $0.74 per diluted common share.
  • Book value per common share improved to $34.48.
  • Net interest margin increased to 3.13%.
  • Deposits increased $209.8 million, or 18.6% (annualized).

Headline financials

Total Revenue

$45.3M

Previous: $42.8M+5.9%
EPS

$0.74

Previous: $0.57+29.8%
Tax-equivalent net interest margin

3.1%

Previous: 3.2%-0.9%
Cost of funds

2.8%

No prior period
Capital Expenditures

-$664K

Previous: -$2.71M+75.5%
Free Cash Flow

$11.6M

Previous: $6.53M+78.2%
Net Income

$12.3M

Previous: $9.24M+33.2%
Operating Income

$6.08M

Previous: $12.5M-51.3%
Gross Profit

$44.8M

Previous: $41.4M+8.3%
Cash & Equivalents

$76.8M

Previous: $65.2M+17.8%
Total Assets

$5.53B

Previous: $5.22B+6.0%
Stock-Based Comp

$235K

Previous: $312K-24.7%

Revenue & EPS history

Mid Penn Bancorp · Revenue · Quarterly

$45.3M

Q3 2024+5.9%vs Q3 2023
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

The company did not provide specific forward guidance in the provided text. The focus was on strategies including: restrained loan growth; robust core deposit growth; strong asset quality; restraint on operating expenses; and building on tangible book value.

Tailwinds

  • Restrained loan growth
  • Robust core deposit growth
  • Strong asset quality
  • Restraint on operating expenses
  • Building on tangible book value

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 2024

Historical avgQ3 2024

+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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