Mid Penn Q4 EPS $0.84 meets estimates; NIM expands to 3.79%; special dividend $0.05

MID PENN BANCORP INC

2025-FY EPS reported $2.55 vs consensus $0.85 ▲ beat (+201.5%)

Net income available to common shareholders of $19.4M ($0.84 per basic share) for Q4 2025, up 47% from Q4 2024.
Net interest margin (tax-equivalent) rose to 3.79%, up 19 bps QoQ and 58 bps YoY; core efficiency ratio improved to 55.26%.
Loans grew to $4.9B (up 9.4% YoY); deposits $5.2B; organic deposit growth ex-brokered at 10.8% annualized.
Declared regular dividend $0.22/share and special dividend $0.05/share, payable Feb 17, 2026; 61st consecutive quarterly.
Subsequent event: On Jan 1, 2026, Mid Penn completed acquisition of Cumberland Advisors (RIA, $3.2B AUM).

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