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Mid Penn Bancorp
Mid Penn Bancorp (MPB) investor relations material
Mid Penn Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Reported Q4 2025 net income of $19.4M ($0.84 basic EPS), up 47% year-over-year and 6.3% sequentially; full-year 2025 net income was $56.2M ($2.59 basic EPS), up from $49.4M in 2024.
Declared 61st consecutive quarterly dividend of $0.22 per share and a special dividend of $0.05 per share, both payable February 17, 2026.
Completed the William Penn acquisition in April 2025, significantly impacting loan and deposit balances.
Financial highlights
Net interest income for Q4 2025 was $54.8M, up from $41.3M in Q4 2024; full-year net interest income rose 27.1% to $199.1M.
Net interest margin expanded to 3.79% in Q4 2025, up 58 bps year-over-year.
Noninterest income for 2025 increased 19.3% to $26.8M, driven by higher insurance commissions, swap fees, and recoveries on acquired loans.
Noninterest expense for 2025 rose 29.5% to $152.3M, mainly due to merger-related costs and higher compensation and IT expenses.
Book value per share at year-end was $35.32; tangible book value per share was $28.76.
Outlook and guidance
Management highlighted continued focus on organic loan growth, asset quality, and disciplined expense management.
Announced the acquisition of Cumberland Advisors, completed January 1, 2026, adding $3.2B in assets under management.
Organic growth strategy for loans and deposits
Update on the single C&I nonperforming asset
Core noninterest income growth drivers
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Next Mid Penn Bancorp earnings date
Q1 202622 Apr, 2026
Mid Penn Bancorp
Next Mid Penn Bancorp earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
Mid Penn Bancorp, Inc. is a financial holding company that operates primarily through its subsidiary, Mid Penn Bank. The company provides a range of banking and financial services to individuals, businesses, and municipalities. These services include commercial and retail banking, mortgage and home equity lending, wealth management, and trust services. Mid Penn Bank serves various sectors, including agriculture, manufacturing, real estate, and healthcare, with a focus on supporting small to medium-sized businesses within its market areas. The company is headquartered in Millersburg, Pennsylvania, and its shares are listed on the NASDAQ.
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