A

Mid Penn Bancorp — Earnings Quality Grade A

MPB · Financial Services

Strong financial health

Revenue
2025
Net Income
$56M
2025
Gross Margin
Free Cash Flow
$72M
01

Screening Summary

8
Passed
0
Watch
0
Failed
M-Score

Management Signals

View all →
Routine2026-03-02
Thomas R. Brugger · directorAppointment
Standard appointment
SEC
Routine2026-03-02
Thomas R. Brugger · Chief Financial OfficerRetirement
SEC
Routine2026-03-02
Thomas R. Brugger · BoardAppointment
Standard appointment
SEC
Routine2026-03-02
Thomas R. Brugger · directorAppointment
Standard appointment
SEC
Routine2026-01-08
Dana R. Stewart · Chief Operating OfficerAppointment
Standard appointment
SEC

Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available

02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

Insufficient data

A2AR vs Revenue Growth

Insufficient data

A3Revenue vs CFFO

Insufficient data

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

Insufficient data

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.42. Profits backed by cash

C2Free Cash Flow

FCF $0.1B, FCF/NI = 1.28

C3Accruals Ratio

Accruals ratio = -0.4%. Low accruals

C4Cash vs Debt

Cash $0.1B covers debt $0.1B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $0.2B = 19% of equity. Manageable

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change 13% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

Mid Penn Bancorp is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25