MPBMID PENN BANCORP INC
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $860M
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- 0.0
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo142% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo26% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo2% of assetsOver 40% of assets
- Shareholder dissentNo90% lowest supportAny vote under 80% support
Buyer economics 2 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AIYes0.0 per 10K words · 0th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$860M market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$389K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $29M | $55M | $37M | $49M | $56M | 14% |
| Operating cash flow | $66M | $60M | $52M | $51M | $80M | 56% |
| Capex | $3M | $4M | $3M | $7M | $8M | 19% |
| Stock-based comp | $696K | $1M | $1M | $1M | $2M | 91% |
| Buybacks | $128K | $3M | $5M | $323K | $2M | 597% |
| Dividends | $9M | $13M | $13M | $14M | $18M | 31% |
Deal filings
None.
13D filers
| Filed | Filer | Form | Stake | Intent |
|---|---|---|---|---|
| Oct 7, 2026 | NORCROSS PHILIP A | SCHEDULE 13D/A | 9.7% | Passive |
| May 1, 2026 | NORCROSS PHILIP A | SCHEDULE 13D/A | 9.7% | Passive |
| Mar 20, 2026 | Hudson Susan Doris | SCHEDULE 13D/A | 9.6% | Passive |
| Aug 4, 2025 | Hudson Susan Doris | SCHEDULE 13D/A | 9.3% | Passive |
| Apr 25, 2025 | Hudson Susan Doris | SCHEDULE 13D/A | 9.3% | Passive |
| Apr 14, 2025 | Hudson Susan Doris | SCHEDULE 13D/A | 8.2% | Passive |
| Apr 3, 2025 | Hudson Susan Doris | SCHEDULE 13D/A | 7.3% | Passive |
| Nov 8, 2024 | Hudson Susan Doris | SC 13D | 6.3% | Passive |
Insider trading
- Open-market buys, 12 mo
- $389K · 38
- Open-market sells, 12 mo
- $27 · 1
- Net
- $389K
Pay vs performance
No pay-versus-performance disclosure yet.