Mid Penn vs Hingham Institution for Savings

This page compares Mid Penn and Hingham Institution for Savings on their business models, financial performance, and market context to help readers understand how each organisation operates. The review is neutral and accessible, outlining strategy and customer focus within their regional banking landscapes. Educational content, not financial advice.

This page compares Mid Penn and Hingham Institution for Savings on their business models, financial performance, and market context to help readers understand how each organisation operates. The revie...

Comparison Snapshot

Key Financial Metrics

MPB

Metric

HIFS

$738.84M

Market Cap

$638.54M

7.40%

Potential Profit

N/A

Strong Buy

Analyst Rating

N/A

Investment Analysis

Mid Penn

MPB

Pros

Hingham Institution for Savings has a long-established history dating back to 1834, supporting strong brand recognition and customer trust.
The bank offers a diverse range of retail and commercial financial products, including real estate loans and internet banking services.
It maintains a fortress balance sheet and a culture focused on sustainable long-term growth and depositors’ assurance.

Considerations

The price-to-earnings ratio at 18.9x is higher than the financial sector average, possibly indicating a stretched valuation.
Its price-to-sales ratio of 7.9x is well above sector norms, suggesting the stock may be relatively expensive.
Geographically concentrated mostly in Massachusetts and a few metro areas, which may limit growth diversification opportunities.

Hingham Institution for Savings

HIFS

Pros

Mid Penn Bancorp serves a broad regional market with a strong presence across multiple Pennsylvania counties, supporting stable local market share.
The company offers a comprehensive suite of banking and wealth management products, enhancing client retention and revenue diversity.
Exhibits solid financial performance with a recent dividend increase and strong net interest margin, reflecting operational efficiency.

Considerations

Institutional ownership of 43.11% could lead to volatility from large-scale trading activity.
The company’s market capitalization under $700 million may limit scale economies compared to larger competitors.
Depending on regional economic conditions in central Pennsylvania, Mid Penn could face cyclicality and local market risk.

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.

Hingham Institution for Savings (HIFS)

Hingham Institution for Savings (HIFS) is a Massachusetts‑based mutual holding company operating as a community bank that provides residential mortgages, commercial lending and deposit services to individuals and small businesses. With a market capitalisation around $633m, it sits in the small‑cap regional bank segment and relies on a local deposit franchise and a loan book concentrated in its New England footprint. Investors should note HIFS’s sensitivity to interest‑rate movements (which affect net interest margin and loan demand), credit quality in a regional economy, and competition for deposits. The company has historically emphasised conservative underwriting and steady dividend payments, but earnings can fluctuate with rate cycles and loan growth. This summary is educational and not personal investment advice; past performance is not a reliable indicator of future results. Suitability depends on your financial goals, risk tolerance and time horizon — consult a licensed adviser for tailored guidance.

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

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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

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Comparison Snapshot