Mid Penn vs Camden National

Mid Penn Bancorp Inc and Camden National Corp are examined side by side to show how their business models relate to their financial performance and the market context in which they operate. This page compares strategy, funding approaches, and competitive environment in a neutral, accessible manner for readers seeking balanced information. Educational content, not financial advice.

Mid Penn Bancorp Inc and Camden National Corp are examined side by side to show how their business models relate to their financial performance and the market context in which they operate. This page ...

Comparison Snapshot

Key Financial Metrics

MPB

Metric

CAC

$738.84M

Market Cap

$754.22M

7.40%

Potential Profit

-6.18%

Strong Buy

Analyst Rating

Buy

Investment Analysis

Mid Penn

MPB

Pros

Reported strong Q3 2025 results with net income up 48.7% year-over-year to $18.3 million and EPS of approximately $0.79.
Loan portfolio grew 8.5% year-to-date to $4.8 billion, supported by expanded balance sheet from recent acquisitions.
Efficiency ratio improved to 58.8% in Q3 2025, reflecting effective expense control alongside growing net interest and noninterest income.

Considerations

Net interest margin, although improving, remains moderate at 3.6% which may limit profitability upside compared to peers.
Deposits declined 7.8% annualized in Q3 2025 due to strategic exits from brokered certificates of deposit, potentially affecting liquidity.
Merger-related costs impacted noninterest expenses this year, indicating integration risks and possible ongoing expenses from acquisitions.

Camden National

CAC

Pros

Camden National Corp has a solid regional banking presence with a diversified portfolio of retail and commercial banking services.
Consistently demonstrates strong community banking focus which supports stable customer relationships and deposit base.
Exhibits healthy return metrics and conservative credit risk management contributing to steady financial performance.

Considerations

Growth prospects may be limited by regional market size and competitive pressures from larger national banks.
Exposure to local economic cycles could increase earnings volatility, particularly in real estate and commercial lending segments.
Potential regulatory changes and increased compliance costs could constrain profitability and operational flexibility.

About The Companies

Mid Penn (MPB)

Mid Penn Bancorp, Inc (MPB) is a Pennsylvania-based regional bank holding company that provides commercial and consumer banking through a community bank franchise. Its services include deposit accounts, commercial and residential lending, mortgage origination, treasury services and wealth-management solutions, delivered through a local branch network and digital channels. With a market capitalisation around US$639.7m, MPB sits in the small‑cap regional banking tier where loan growth, net interest margin and credit quality largely determine outcomes. Investors often watch interest-rate movements, deposit trends and local economic conditions because these affect funding costs and margins. Regulatory oversight, competition from larger banks and fintechs, and the company’s capital and asset-quality metrics are also key considerations. This is general, educational information only — not personal financial advice. Values can rise and fall; investors should assess suitability for their own circumstances and consult an authorised adviser before acting.

Camden National (CAC)

Camden National Corporation is the bank holding company for Camden National Bank. Its core business involves attracting deposits and providing loans to a diverse customer base, including consumers, businesses, municipalities, and non-profit organisations. Beyond traditional banking, the company offers a suite of financial services such as wealth management, trust services, brokerage, and investment advice. Catering to the modern customer, Camden National has invested in a range of digital products. These platforms enable customers to manage their finances remotely, with specialised online systems for consumer borrowers, small business loans, and advanced cash management for commercial clients. This blend of traditional community banking and digital innovation defines its service model in the Northeast US. Remember, investing in any company carries risks, and past performance is not an indicator of future results.

Which Baskets Do They Appear In?

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

Explore Basket

Which Baskets Do They Appear In?

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

Explore Basket

Discover More Comparisons

Mid Penn vs Hingham Institution for Savings

Mid Penn vs Thornburg Income Builder Opportunities Trust

Mid Penn vs Green Dot

Mid Penn vs Camden National

Comparison Snapshot