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Compared to Estimates, Mid Penn Bancorp (MPB) Q3 Earnings: A Look at Key Metrics

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For the quarter ended September 2026, Mid Penn Bancorp (MPB - Free Report) reported revenue of $74.68 million, up 20.8% over the same period last year. EPS came in at $0.88, compared to $0.77 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $77.83 million, representing a surprise of -4.05%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.88.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Mid Penn Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net Interest Margin: 3.9% versus 4.1% estimated by three analysts on average.
  • Ratio of net charge-offs during the year: 0% compared to the 0.1% average estimate based on three analysts.
  • Total average earning assets: $6.57 billion compared to the $6.58 billion average estimate based on three analysts.
  • Efficiency Ratio: 60.6% versus 61.1% estimated by three analysts on average.
  • Net Interest Income: $64.64 million compared to the $67.29 million average estimate based on three analysts.
  • Total Noninterest Income: $10.04 million versus $10.58 million estimated by three analysts on average.
  • ATM debit card interchange income: $1.18 million versus the two-analyst average estimate of $1.11 million.
  • Other income: $2.16 million versus $3.06 million estimated by two analysts on average.
  • Net Gain on Sales of SBA Loans: $0.01 million versus the two-analyst average estimate of $0.09 million.
  • Earnings from cash surrender value of life insurance: $0.82 million versus $0.9 million estimated by two analysts on average.
  • Mortgage Banking Income: $1.16 million compared to the $0.9 million average estimate based on two analysts.
  • Fiduciary and wealth management: $3.91 million compared to the $3.87 million average estimate based on two analysts.

View all Key Company Metrics for Mid Penn Bancorp here>>>

Shares of Mid Penn Bancorp have returned +0.1% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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