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Side-by-side financial comparison of Expensify, Inc. (EXFY) and MID PENN BANCORP INC (MPB). Click either name above to swap in a different company.
MID PENN BANCORP INC is the larger business by last-quarter revenue ($62.0M vs $35.2M, roughly 1.8× Expensify, Inc.). On growth, MID PENN BANCORP INC posted the faster year-over-year revenue change (30.8% vs -4.9%). Over the past eight quarters, MID PENN BANCORP INC's revenue compounded faster (21.1% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
Commerce Bancorp was a Cherry Hill, New Jersey–based bank created in 1973. In 2007, it was purchased by Toronto-Dominion Bank, which merged Commerce into TD Banknorth, the latter of which was rebranded to TD Bank.
EXFY vs MPB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $62.0M |
| Net Profit | — | $19.4M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 43.6% |
| Net Margin | — | 31.4% |
| Revenue YoY | -4.9% | 30.8% |
| Net Profit YoY | — | 47.0% |
| EPS (diluted) | $-0.07 | $0.83 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $35.2M | $62.0M | ||
| Q3 25 | $35.1M | $61.8M | ||
| Q2 25 | $35.8M | $54.3M | ||
| Q1 25 | $36.1M | $47.7M | ||
| Q4 24 | $37.0M | $47.4M | ||
| Q3 24 | $35.4M | $45.3M | ||
| Q2 24 | $33.3M | $44.1M | ||
| Q1 24 | $33.5M | $42.3M |
| Q4 25 | — | $19.4M | ||
| Q3 25 | $-2.3M | $18.3M | ||
| Q2 25 | $-8.8M | $4.8M | ||
| Q1 25 | $-3.2M | $13.7M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | $-2.2M | $12.3M | ||
| Q2 24 | $-2.8M | $11.8M | ||
| Q1 24 | $-3.8M | $12.1M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 43.6% | ||
| Q3 25 | -6.4% | 39.3% | ||
| Q2 25 | -28.9% | 7.9% | ||
| Q1 25 | -4.1% | 35.2% | ||
| Q4 24 | 1.3% | 34.1% | ||
| Q3 24 | 0.8% | 32.8% | ||
| Q2 24 | 0.7% | 32.4% | ||
| Q1 24 | -5.3% | 34.8% |
| Q4 25 | — | 31.4% | ||
| Q3 25 | -6.6% | 29.6% | ||
| Q2 25 | -24.6% | 8.8% | ||
| Q1 25 | -8.8% | 28.8% | ||
| Q4 24 | — | 27.9% | ||
| Q3 24 | -6.2% | 27.1% | ||
| Q2 24 | -8.3% | 26.7% | ||
| Q1 24 | -11.3% | 28.7% |
| Q4 25 | $-0.07 | $0.83 | ||
| Q3 25 | $-0.03 | $0.79 | ||
| Q2 25 | $-0.10 | $0.22 | ||
| Q1 25 | $-0.03 | $0.71 | ||
| Q4 24 | $-0.03 | $0.72 | ||
| Q3 24 | $-0.02 | $0.74 | ||
| Q2 24 | $-0.03 | $0.71 | ||
| Q1 24 | $-0.04 | $0.73 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.1M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $814.1M |
| Total Assets | $186.0M | $6.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | — | ||
| Q3 25 | $61.5M | — | ||
| Q2 25 | $60.5M | — | ||
| Q1 25 | $59.6M | — | ||
| Q4 24 | $48.8M | — | ||
| Q3 24 | $39.2M | — | ||
| Q2 24 | $53.2M | — | ||
| Q1 24 | $49.3M | — |
| Q4 25 | $132.7M | $814.1M | ||
| Q3 25 | $135.7M | $796.3M | ||
| Q2 25 | $131.8M | $775.7M | ||
| Q1 25 | $134.7M | $667.9M | ||
| Q4 24 | $128.2M | $655.0M | ||
| Q3 24 | $119.9M | $573.1M | ||
| Q2 24 | $114.0M | $559.7M | ||
| Q1 24 | $106.5M | $551.0M |
| Q4 25 | $186.0M | $6.1B | ||
| Q3 25 | $186.8M | $6.3B | ||
| Q2 25 | $187.1M | $6.4B | ||
| Q1 25 | $189.2M | $5.5B | ||
| Q4 24 | $173.7M | $5.5B | ||
| Q3 24 | $176.2M | $5.5B | ||
| Q2 24 | $192.9M | $5.4B | ||
| Q1 24 | $184.8M | $5.3B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.2M | $80.0M |
| Free Cash FlowOCF − Capex | — | $71.8M |
| FCF MarginFCF / Revenue | — | 115.8% |
| Capex IntensityCapex / Revenue | — | 13.3% |
| Cash ConversionOCF / Net Profit | — | 4.12× |
| TTM Free Cash FlowTrailing 4 quarters | — | $132.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $80.0M | ||
| Q3 25 | $4.2M | $26.3M | ||
| Q2 25 | $8.9M | $29.0M | ||
| Q1 25 | $4.8M | $11.5M | ||
| Q4 24 | $7.4M | $51.4M | ||
| Q3 24 | $3.7M | $16.9M | ||
| Q2 24 | $9.3M | $18.0M | ||
| Q1 24 | $3.5M | $12.4M |
| Q4 25 | — | $71.8M | ||
| Q3 25 | — | $24.3M | ||
| Q2 25 | — | $27.2M | ||
| Q1 25 | — | $8.8M | ||
| Q4 24 | — | $44.5M | ||
| Q3 24 | — | $16.8M | ||
| Q2 24 | — | $17.7M | ||
| Q1 24 | — | $12.1M |
| Q4 25 | — | 115.8% | ||
| Q3 25 | — | 39.4% | ||
| Q2 25 | — | 50.1% | ||
| Q1 25 | — | 18.4% | ||
| Q4 24 | — | 93.8% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 28.5% |
| Q4 25 | — | 13.3% | ||
| Q3 25 | 0.0% | 3.1% | ||
| Q2 25 | — | 3.2% | ||
| Q1 25 | — | 5.7% | ||
| Q4 24 | 0.0% | 14.6% | ||
| Q3 24 | 0.0% | 0.0% | ||
| Q2 24 | 0.0% | 0.7% | ||
| Q1 24 | 0.0% | 0.8% |
| Q4 25 | — | 4.12× | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | — | 6.08× | ||
| Q1 25 | — | 0.84× | ||
| Q4 24 | — | 3.88× | ||
| Q3 24 | — | 1.37× | ||
| Q2 24 | — | 1.53× | ||
| Q1 24 | — | 1.02× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
