Demonstrações financeiras detalhadas de Mid Penn Bancorp, Inc. (MPB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Mid Penn Bancorp, Inc. registou receitas de $326.9M no último exercício, com um CAGR de 5 anos de 21.7%. O lucro líquido atingiu $56.2M, com CAGR de 5 anos de 16.5%.
Margens dos últimos 12 meses: margem bruta 66.2%, margem operacional 24.1%, margem líquida 18.4%. O fluxo de caixa livre cresceu a CAGR de 47.2% em 5 anos.
Ao preço atual de $36.85, MPB negocia a um P/L de 11.81 e um ROE de 8.02%. A capitalização de mercado é de $934M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $45.9M | $49.5M | $76.1M | $107.9M | $122.7M | $143.8M | $187.3M | $254.4M | $306.7M | $326.9M |
| Custo da Receita | $7.2M | $6.6M | $13.2M | $26.6M | $23.9M | $17.7M | $22.1M | $92.7M | $132.1M | $126.0M |
| Lucro Bruto | $38.7M | $42.9M | $62.9M | $81.4M | $98.8M | $126.1M | $165.2M | $161.7M | $174.7M | $201.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $19.2M | $21.2M | $29.9M | $37.6M | $39.4M | $43.6M | $54.2M | $62.8M | $68.3M | $93.0M |
| Despesas Operacionais | $28.6M | $31.3M | $50.2M | $60.0M | $67.4M | $90.1M | $97.8M | $117.0M | $114.6M | $128.6M |
| Lucro Operacional | $10.1M | $11.6M | $12.7M | $21.4M | $31.3M | $36.1M | $67.3M | $44.7M | $60.0M | $72.4M |
| EBITDA | $11.9M | $13.2M | $16.3M | $27.5M | $37.8M | $40.7M | $73.8M | $51.6M | $66.9M | $77.4M |
| Despesas com Juros | $5.4M | $6.3M | $12.7M | $25.2M | $19.7M | $14.8M | $17.8M | $89.4M | $129.9M | $124.7M |
| Lucro Antes de Impostos | $10.1M | $11.6M | $12.7M | $21.4M | $31.3M | $36.1M | $67.3M | $44.7M | $60.0M | $72.4M |
| Imposto | $2.3M | $4.5M | $2.1M | $3.7M | $5.1M | $6.7M | $12.5M | $7.3M | $10.6M | $16.1M |
| Lucro Líquido | $7.8M | $7.1M | $10.6M | $17.7M | $26.2M | $29.3M | $54.8M | $37.4M | $49.4M | $56.2M |
| LPA | $1.85 | $1.67 | $1.48 | $2.09 | $3.11 | $2.71 | $3.44 | $2.29 | $2.90 | $2.59 |
| LPA Diluído | $1.85 | $1.67 | $1.49 | $2.08 | $3.10 | $2.71 | $3.44 | $2.29 | $2.90 | $2.52 |
| Ações em Circulação (Diluídas) | $4.2M | $4.3M | $7.1M | $8.5M | $8.4M | $10.8M | $15.9M | $16.4M | $17.1M | $23.2M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $94.0M | $92.4M | $77.6M | $107.1M |
| Lucro Bruto | $61.2M | $62.0M | $47.3M | $75.1M |
| Lucro Operacional | $24.3M | $26.2M | $11.3M | $27.6M |
| EBITDA | $26.4M | $27.6M | $14.1M | $27.6M |
| Lucro Líquido | $18.3M | $19.4M | $8.7M | $21.7M |
| LPA | $0.95 | $0.84 | $0.38 | $0.94 |
| LPA Diluído | $0.95 | $0.83 | $0.37 | $0.93 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $15.5M | $22.8M | $29.2M | $30.4M | $32.8M | $187.1M | $57.8M | $80.1M | $51.5M | $46.7M |
| Investimentos de Curto Prazo | $133.6M | $93.5M | $111.9M | $37.5M | $6.3M | $63.4M | $238.3M | $223.6M | $260.5M | $5.4M |
| Contas a Receber | $3.9M | $4.6M | $8.2M | $8.0M | $13.0M | $11.3M | $18.4M | $25.8M | $26.8M | $29.6M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $153.0M | $120.9M | $149.3M | $75.9M | $52.1M | $261.8M | $314.5M | $329.5M | $338.8M | $81.8M |
| Imobilizado | $11.1M | $16.2M | $25.3M | $39.8M | $38.3M | $45.4M | $46.2M | $48.6M | $49.1M | $66.3M |
| Ágio | $3.9M | $3.9M | $62.8M | $62.8M | $62.8M | $113.8M | $114.2M | $127.0M | $128.2M | $136.6M |
| Ativos Intangíveis | $539000 | $434000 | $7.2M | $5.8M | $4.4M | $9.4M | $7.3M | $6.5M | $6.2M | $14.7M |
| Ativos Totais | $1.03B | $1.17B | $2.08B | $2.23B | $3.00B | $4.69B | $4.50B | $5.29B | $5.47B | $6.13B |
| Contas a Pagar | $515000 | $645000 | $2.3M | $2.2M | $2.0M | $1.8M | $2.3M | $14.3M | $13.5M | $5.21B |
| Dívida de Curto Prazo | 0 | $34.6M | $43.1M | 0 | 0 | 0 | 0 | $241.5M | $2.0M | $20.8M |
| Passivos Circulantes | $935.9M | $1.06B | $1.77B | $1.91B | $2.48B | $4.00B | $3.78B | $4.60B | $4.71B | $5.25B |
| Dívida de Longo Prazo | $21.0M | $29.7M | $75.1M | $56.4M | $116.2M | $152.2M | $58.1M | $102.2M | $66.3M | $23.1M |
| Passivos Totais | $962.1M | $1.09B | $1.85B | $1.99B | $2.74B | $4.20B | $3.99B | $4.75B | $4.82B | $5.32B |
| Reservas | $28.4M | $32.6M | $39.6M | $50.9M | $70.2M | $91.0M | $133.1M | $146.0M | $181.6M | $219.7M |
| Patrimônio Líquido | $70.5M | $75.7M | $223.2M | $237.9M | $255.7M | $490.1M | $512.1M | $542.4M | $655.0M | $814.1M |
| Dívida Total | $21.0M | $64.3M | $118.2M | $72.5M | $130.9M | $166.9M | $71.1M | $356.2M | $79.4M | $59.4M |
| Dívida Líquida | -$128.1M | -$52.0M | -$22.9M | $4.6M | $91.8M | -$83.6M | -$225.0M | $52.5M | -$232.5M | $7.2M |
| Capital de Giro | -$782.8M | -$938.0M | -$1.62B | -$1.84B | -$2.42B | -$3.74B | -$3.47B | -$4.27B | -$4.37B | -$5.16B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $42.7M | $46.7M | $80.3M | $86.6M |
| Ativos Totais | $6.27B | $6.13B | $6.96B | $7.06B |
| Passivos Totais | $5.47B | $5.32B | $6.08B | $6.16B |
| Patrimônio Líquido | $796.3M | $814.1M | $887.4M | $901.9M |
| Dívida Total | $76.4M | $59.4M | $51.7M | $156.7M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $7.8M | $7.1M | $10.6M | $17.7M | $26.2M | $29.3M | $54.8M | $37.4M | $49.4M | $56.2M |
| Depreciação e Amortização | $1.8M | $1.6M | $3.6M | $6.1M | $6.5M | $4.7M | $6.5M | $6.9M | $6.8M | $8.1M |
| Compensação em Ações | $53000 | $145000 | $267000 | $346000 | $414000 | $696000 | $1.1M | $1.1M | $1.0M | $2.0M |
| Variação Capital de Giro | -$85000 | -$1.1M | -$4.8M | -$10.3M | -$5.3M | $12.0M | -$20.5M | $6.8M | -$6.6M | -$6.2M |
| Fluxo de Caixa Operacional | $21.8M | $11.9M | $11.0M | $7.8M | $14.1M | $65.9M | $60.0M | $52.3M | $51.4M | $80.0M |
| CapEx | -$775000 | -$6.9M | -$9.0M | -$3.9M | -$3.7M | -$3.5M | -$4.2M | -$2.8M | -$6.9M | -$8.2M |
| Aquisições | 0 | 0 | $72.6M | 0 | 0 | $315.3M | -$19.8M | $1.1M | -$2.7M | $218.1M |
| Recompra de Ações | 0 | 0 | 0 | -$269000 | -$1.8M | -$128000 | -$3.0M | -$4.9M | -$323000 | -$2.2M |
| Dividendos Pagos | -$2.5M | -$2.2M | -$4.6M | -$6.7M | -$6.5M | -$8.9M | -$12.7M | -$13.0M | -$13.8M | -$18.2M |
| Fluxo de Caixa Livre | $21.1M | $5.0M | $2.0M | $3.9M | $10.4M | $62.4M | $55.7M | $49.6M | $44.5M | $71.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $26.3M | $13.3M | $26.9M | $32.4M |
| CapEx | -$1.9M | -$1.8M | -$1.4M | -$1.2M |
| Fluxo de Caixa Livre | $24.3M | $11.5M | $25.4M | $31.2M |
| Dividendos Pagos | -$4.6M | -$5.1M | -$6.2M | -$5.6M |
| Compensação em Ações | $914000 | $541000 | $665000 | $2.0M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +7.8% | +53.7% | +41.8% | +13.7% | +17.2% | +30.2% | +35.9% | +20.6% | +6.6% |
| Crescimento Lucro Líquido (anual) | | -9.2% | +49.5% | +67.1% | +48.1% | +11.9% | +86.9% | -31.8% | +32.2% | +13.8% |
| Crescimento LPA (anual) | | -9.7% | -11.4% | +41.2% | +48.8% | -12.9% | +26.9% | -33.4% | +26.6% | -10.7% |
| Variação de Ações (anual) | | +0.8% | +66.8% | +19.7% | -0.6% | +28.2% | +47.3% | +2.6% | +4.4% | +35.6% |
| Crescimento FCF (anual) | | -76.2% | -59.6% | +94.9% | +163.2% | +500.9% | -10.7% | -11.1% | -10.3% | +61.5% |
| Margem Bruta | 84.2% | 86.6% | 82.6% | 75.4% | 80.5% | 87.7% | 88.2% | 63.6% | 56.9% | 61.5% |
| Margem Operacional | 21.9% | 23.4% | 16.7% | 19.8% | 25.5% | 25.1% | 36.0% | 17.6% | 19.6% | 22.1% |
| Margem EBITDA | 25.8% | 26.6% | 21.5% | 25.5% | 30.8% | 28.3% | 39.4% | 20.3% | 21.8% | 23.7% |
| Margem Líquida | 17.0% | 14.3% | 13.9% | 16.4% | 21.4% | 20.4% | 29.3% | 14.7% | 16.1% | 17.2% |
| Margem FCF | 45.9% | 10.1% | 2.7% | 3.7% | 8.5% | 43.4% | 29.8% | 19.5% | 14.5% | 22.0% |
| Taxa Efetiva de Imposto | 22.6% | 38.8% | 16.7% | 17.4% | 16.4% | 18.7% | 18.6% | 16.3% | 17.6% | 22.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $5.00 | $1.18 | $0.29 | $0.46 | $1.23 | $5.77 | $3.50 | $3.03 | $2.61 | $3.10 |
| Dividendo por Ação | $0.58 | $0.52 | $0.65 | $0.79 | $0.77 | $0.82 | $0.80 | $0.79 | $0.81 | $0.78 |
| Ações em Circulação (Básicas) | $4.2M | $4.2M | $7.1M | $8.5M | $8.4M | $10.8M | $15.9M | $16.3M | $17.0M | $23.2M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 8.02% |
| Retorno sobre capital investido | 6.55% |
| Retorno sobre ativos | 0.96% |
| Margem bruta | 66.21% |
| Margem operacional | 24.07% |
| Margem líquida | 18.36% |
Saúde financeira
| Dívida / Patrimônio | 0.17 |
| Liquidez corrente | 0.17 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 12.88 | 19.82 | 15.55 | 13.78 | 7.04 | 11.71 | 8.71 | 10.60 | 9.94 | 11.98 |
| P/VP | 1.43 | 1.85 | 0.73 | 1.03 | 0.72 | 0.70 | 0.93 | 0.73 | 0.75 | 0.88 |
| P/V | 2.19 | 2.83 | 2.14 | 2.26 | 1.51 | 2.38 | 2.55 | 1.56 | 1.60 | 2.20 |
| Margem Bruta | 84.2% | 86.6% | 82.6% | 75.4% | 80.5% | 87.7% | 88.2% | 63.6% | 56.9% | 61.5% |
| Margem Operacional | 21.9% | 23.4% | 16.7% | 19.8% | 25.5% | 25.1% | 36.0% | 17.6% | 19.6% | 22.1% |
| Margem Líquida | 17.0% | 14.3% | 13.9% | 16.4% | 21.4% | 20.4% | 29.3% | 14.7% | 16.1% | 17.2% |