<p>概述</p>
<ul>
<li>Mid Penn Bank 第二季度每股收益为 $0.22，较去年下降</li>
<li>净收入下降 59.5%</li>
<li>总存款同比增长 21.18%，受 William Penn 收购推动</li>
</ul>
<p>展望</p>
<ul>
<li>Mid Penn 预计到年底将达到贷款增长目标的下限</li>
<li>公司预计到年底将达到存款增长目标的中点</li>
<li>Mid Penn 对 2025 年剩余时间的表现持谨慎乐观态度</li>
</ul>
<p>业绩驱动因素</p>
<ul>
<li>WILLIAM PENN 收购 - 收购增加了 $757.3 百万的资产和 $621.3 百万的存款，推动了总存款和资产的增长</li>
<li>负有机贷款增长 - 由于偿还额增加和贷款需求疲软，有机贷款组合减少了 $89.6 百万</li>
<li>净利差改善 - 由于存款成本降低和贷款收益提高，净利差增加至 3.44%</li>
</ul>
<p>关键细节</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>指标</td>
<td>超出/未达</td>
<td>实际</td>
<td>共识预估</td>
</tr>
<tr>
<td>第二季度每股收益</td>
<td></td>
<td>$0.22</td>
<td></td>
</tr>
<tr>
<td>第二季度调整后净收入</td>
<td></td>
<td>$15.10 百万</td>
<td></td>
</tr>
<tr>
<td>第二季度净收入</td>
<td></td>
<td>$4.80 百万</td>
<td></td>
</tr>
<tr>
<td>第二季度净利息收入</td>
<td></td>
<td>$48.20 百万</td>
<td></td>
</tr>
<tr>
<td>第二季度股息</td>
<td></td>
<td>$0.2</td>
<td></td>
</tr>
<tr>
<td>第二季度净利差</td>
<td></td>
<td>3.4%</td>
<td></td>
</tr>
</tbody>
</table>
<p>分析师覆盖</p>
<ul>
<li>当前分析师对该股票的平均评级为 “强烈买入”，推荐的分布为 2 个 “强烈买入” 或 “买入”，没有 “持有”，也没有 “卖出” 或 “强烈卖出”</li>
<li>银行业同行的平均共识推荐为 “买入”。</li>
<li>华尔街对 Mid Penn Bancorp Inc 的 12 个月中位数目标价为 $35.00，约比其 7 月 23 日的收盘价 $28.99 高出 17.2%</li>
<li>该股票最近的交易价格为未来 12 个月收益的 10 倍，而三个月前的市盈率为 9</li>
</ul>
<p>新闻稿：</p>

WMPN

<p>Mid Penn Bank 报告第二季度每股收益为 0.22 美元，净收入同比下降 59.5%。总存款同比增长 21.18%，得益于 William Penn 的收购，增加了 7.573 亿美元的资产。该银行预计到年底将达到贷款增长目标的下限，并对未来表现持谨慎乐观态度。分析师维持 “强烈买入” 评级，12 个月的中位数目标价为 35.00 美元，较其最近的交易价格 28.99 美元有 17.2% 的上涨空间</p>

<p>Overview</p>
<div class="lb-trans"><p>概述</p>
</div><ul>
<li>Mid Penn Bank's Q2 EPS of $0.22 down compared to last year</li>
<li>Net income falls 59.5%</li>
<li>Total deposits rise 21.18% yr/yr, boosted by William Penn acquisition</li>
</ul>
<div class="lb-trans"><ul>
<li>Mid Penn Bank 第二季度每股收益为 $0.22，较去年下降</li>
<li>净收入下降 59.5%</li>
<li>总存款同比增长 21.18%，受 William Penn 收购推动</li>
</ul>
</div><p>Outlook</p>
<div class="lb-trans"><p>展望</p>
</div><ul>
<li>Mid Penn expects to reach lower end of loan growth target by year-end</li>
<li>Company anticipates reaching midpoint of deposit growth target by year-end</li>
<li>Mid Penn cautiously optimistic about performance for remainder of 2025</li>
</ul>
<div class="lb-trans"><ul>
<li>Mid Penn 预计到年底将达到贷款增长目标的下限</li>
<li>公司预计到年底将达到存款增长目标的中点</li>
<li>Mid Penn 对 2025 年剩余时间的表现持谨慎乐观态度</li>
</ul>
</div><p>Result Drivers</p>
<div class="lb-trans"><p>业绩驱动因素</p>
</div><ul>
<li>WILLIAM PENN ACQUISITION - Acquisition added $757.3 mln in assets and $621.3 mln in deposits, boosting total deposits and assets</li>
<li>NEGATIVE ORGANIC LOAN GROWTH - Organic loan portfolio declined by $89.6 mln due to elevated payoffs and soft loan demand</li>
<li>NET INTEREST MARGIN IMPROVEMENT - Net interest margin increased to 3.44% due to lower cost deposits and higher loan yields</li>
</ul>
<div class="lb-trans"><ul>
<li>WILLIAM PENN 收购 - 收购增加了 $757.3 百万的资产和 $621.3 百万的存款，推动了总存款和资产的增长</li>
<li>负有机贷款增长 - 由于偿还额增加和贷款需求疲软，有机贷款组合减少了 $89.6 百万</li>
<li>净利差改善 - 由于存款成本降低和贷款收益提高，净利差增加至 3.44%</li>
</ul>
</div><p>Key Details</p>
<div class="lb-trans"><p>关键细节</p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>Metric</td>
<td>Beat/Miss</td>
<td>Actual</td>
<td>Consensus Estimate</td>
</tr>
<tr>
<td>Q2 EPS</td>
<td></td>
<td>$0.22</td>
<td></td>
</tr>
<tr>
<td>Q2 Adjusted Net Income</td>
<td></td>
<td>$15.10 mln</td>
<td></td>
</tr>
<tr>
<td>Q2 Net Income</td>
<td></td>
<td>$4.80 mln</td>
<td></td>
</tr>
<tr>
<td>Q2 Net Interest Income</td>
<td></td>
<td>$48.20 mln</td>
<td></td>
</tr>
<tr>
<td>Q2 Dividend</td>
<td></td>
<td>$0.2</td>
<td></td>
</tr>
<tr>
<td>Q2 Net Interest Margin</td>
<td></td>
<td>3.4%</td>
<td></td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td>指标</td>
<td>超出/未达</td>
<td>实际</td>
<td>共识预估</td>
</tr>
<tr>
<td>第二季度每股收益</td>
<td></td>
<td>$0.22</td>
<td></td>
</tr>
<tr>
<td>第二季度调整后净收入</td>
<td></td>
<td>$15.10 百万</td>
<td></td>
</tr>
<tr>
<td>第二季度净收入</td>
<td></td>
<td>$4.80 百万</td>
<td></td>
</tr>
<tr>
<td>第二季度净利息收入</td>
<td></td>
<td>$48.20 百万</td>
<td></td>
</tr>
<tr>
<td>第二季度股息</td>
<td></td>
<td>$0.2</td>
<td></td>
</tr>
<tr>
<td>第二季度净利差</td>
<td></td>
<td>3.4%</td>
<td></td>
</tr>
</tbody>
</table>
</div><p>Analyst Coverage</p>
<div class="lb-trans"><p>分析师覆盖</p>
</div><ul>
<li>The current average analyst rating on the shares is &#34;strong buy&#34; and the breakdown of recommendations is 2 &#34;strong buy&#34; or &#34;buy&#34;, no &#34;hold&#34; and no &#34;sell&#34; or &#34;strong sell&#34;</li>
<li>The average consensus recommendation for the banks peer group is &#34;buy.&#34;</li>
<li>Wall Street's median 12-month price target for Mid Penn Bancorp Inc is $35.00, about 17.2% above its July 23 closing price of $28.99</li>
<li>The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 9 three months ago</li>
</ul>
<div class="lb-trans"><ul>
<li>当前分析师对该股票的平均评级为 “强烈买入”，推荐的分布为 2 个 “强烈买入” 或 “买入”，没有 “持有”，也没有 “卖出” 或 “强烈卖出”</li>
<li>银行业同行的平均共识推荐为 “买入”。</li>
<li>华尔街对 Mid Penn Bancorp Inc 的 12 个月中位数目标价为 $35.00，约比其 7 月 23 日的收盘价 $28.99 高出 17.2%</li>
<li>该股票最近的交易价格为未来 12 个月收益的 10 倍，而三个月前的市盈率为 9</li>
</ul>
</div><p>Press Release:</p>
<div class="lb-trans"><p>新闻稿：</p>
</div>

Mid Penn Bank 第二季度的每股收益下降