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Mid Penn Bancorp (MPB) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Mid Penn Bancorp (MPB) Q3 2026 earnings results →

Q3 2026 Revenue up 21% year over year to $74.7M · 29¢ of every $1 of revenue kept as net profit · operating margin 37.0%

Mid Penn Bancorp made $74.7M in Q3 2026 (+21% Y/Y): Net interest income $64.6M, Noninterest income $10.0M. Operating margin 37.0%, net earnings $21.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$74.7M
Year over year+21%
Operating margin37.0%
Net earnings$21.6M
Operating cash flow$17.9M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $74.7M in Q3 2026, up 21% year over year and down 2% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $11.0M year over year (up 21%), 86% of the total change.

Operating profit was $27.6M, a 37.0% margin (down 2.2 points year over year). Of the extra revenue versus a year earlier, 26% reached operating profit, below the 39% margin then. Total costs grew 25% against revenue growth of 21%. Net earnings were $21.6M, up 18% year over year. The effective tax rate was 21.8%.

Operating cash flow was $17.9M (down 36% year over year), 83% of net earnings. Non-cash charges added back $3.3M of depreciation and amortization. Working capital and other items used $7.1M. Capital expenditures of $2.0M left free cash flow of $15.9M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$74.7M+21%37.0%$21.6M$17.9M

Charts

Mid Penn Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Mid Penn Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$150MCash drawn (+) / kept (−)$88.1MOperating cash flow$70.2MNet borrowing (+) / repaid (−)$67.8MOther financing−$45.1MDividends−$22.8MCapital spending−$6.4MBuybacks−$3.0MShares issued$690KAsset & business sales$232K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Mid Penn Bancorp: profit against cash, quarter by quarterMid Penn Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$13.2M$4.1MQ4 2024$13.7M$12.5MQ1 2025$4.8M$34.2MQ2 2025$18.3M$27.8MQ3 2025$19.4M$5.5MQ4 2025$8.7M$14.5MQ1 2026$21.7M$32.4MQ2 2026$21.6M$17.9MQ3 2026
Latest (Q3 2026): Net income $21.6M, Operating cash flow $17.9M.
Mid Penn Bancorp: diluted shares by fiscal yearMid Penn Bancorp: diluted shares by fiscal year8MFY202011MFY202116MFY202216MFY202317MFY202422MFY2025
+160.8% since FY2020: more shares outstanding (issuance, stock pay).
Mid Penn Bancorp in its industry: growth against margin (133 companies, SIC 6022)Mid Penn Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFMPB (+21%, 37%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Mid Penn Bancorp

The disclosures set forth in this Item are qualified by the section captioned "Special Cautionary Notice Regarding Forward-Looking Statements" contained in Part II, Item 7, Management’s Discussion and Analysis of Financial Condition and Results of Operations, and other cautionary statements set forth elsewhere in this report. Mid Penn Bancorp, Inc. is a financial holding company incorporated in August 1991 in the Commonwealth of Pennsylvania. Mid Penn Bancorp, Inc. and its wholly owned bank and nonbank subsidiaries are collectively referred to herein as "Mid Penn" or the "Corporation." On December 31, 1991, Mid Penn acquired, as part of the holding company formation, all of the outstanding common stock of Mid Penn Bank, and the Bank became a wholly-owned subsidiary of Mid Penn.

In its own words, from its 10-K, filed Mar 12, 2026.

Mid Penn Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +21% against the peers' median +12%. Operating margin: 37.0% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
MPB Mid Penn BancorpQ3 2026$74.7M+21%37.0%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Mid Penn Bancorp 10-Q on SEC EDGAR · CIK 879635 · State Commercial Banks

13F: who owns MPB and who is buying

Largest holders of MPB (13F)Largest holders of MPB (13F)Wellington Management Group LLP$80.4MBlackRock$60.1MVanguard Group$37.9MVanguard Capital Management LLC$34.8MDimensional Fund Advisors LP$30.9MAlliancebernstein L.P.$26.6MState Street$24.3MGeode Capital Management, LLC$20.3MAmerican Century Companies$12.4MManufacturers Life Insurance Comp…$9.4M
Funds' net buying of MPB by quarter (13F)Funds' net buying of MPB by quarter (13F)−$3.1M2024-09$22.3M2024-12−$1.3M2025-03$35.5M2025-06$15.8M2025-09$6.6M2025-12$28.5M2026-03$23.8M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on MPB

History

Every quarter: Q3 2026 results

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中文版：Mid Penn Bancorp（MPB）财报

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