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Side-by-side financial comparison of MID PENN BANCORP INC (MPB) and Phreesia, Inc. (PHR). Click either name above to swap in a different company.
Phreesia, Inc. is the larger business by last-quarter revenue ($120.3M vs $62.0M, roughly 1.9× MID PENN BANCORP INC). MID PENN BANCORP INC runs the higher net margin — 31.4% vs 3.5%, a 27.8% gap on every dollar of revenue. On growth, MID PENN BANCORP INC posted the faster year-over-year revenue change (30.8% vs 12.7%). MID PENN BANCORP INC produced more free cash flow last quarter ($71.8M vs $12.2M).
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.
Phreesia, Inc. is a software as a service company that offers healthcare organizations a set of applications to automate and manage patient intake.
MPB vs PHR — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $62.0M | $120.3M |
| Net Profit | $19.4M | $4.3M |
| Gross Margin | — | — |
| Operating Margin | 43.6% | 3.1% |
| Net Margin | 31.4% | 3.5% |
| Revenue YoY | 30.8% | 12.7% |
| Net Profit YoY | 47.0% | 129.7% |
| EPS (diluted) | $0.83 | $0.07 |
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 | $62.0M | $120.3M | ||
| Q3 25 | $61.8M | $117.3M | ||
| Q2 25 | $54.3M | $115.9M | ||
| Q1 25 | $47.7M | — | ||
| Q4 24 | $47.4M | — | ||
| Q3 24 | $45.3M | — | ||
| Q2 24 | $44.1M | — | ||
| Q1 24 | $42.3M | — |
| Q4 25 | $19.4M | $4.3M | ||
| Q3 25 | $18.3M | $654.0K | ||
| Q2 25 | $4.8M | $-3.9M | ||
| Q1 25 | $13.7M | — | ||
| Q4 24 | $13.2M | — | ||
| Q3 24 | $12.3M | — | ||
| Q2 24 | $11.8M | — | ||
| Q1 24 | $12.1M | — |
| Q4 25 | 43.6% | 3.1% | ||
| Q3 25 | 39.3% | -1.3% | ||
| Q2 25 | 7.9% | -2.8% | ||
| Q1 25 | 35.2% | — | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 32.8% | — | ||
| Q2 24 | 32.4% | — | ||
| Q1 24 | 34.8% | — |
| Q4 25 | 31.4% | 3.5% | ||
| Q3 25 | 29.6% | 0.6% | ||
| Q2 25 | 8.8% | -3.4% | ||
| Q1 25 | 28.8% | — | ||
| Q4 24 | 27.9% | — | ||
| Q3 24 | 27.1% | — | ||
| Q2 24 | 26.7% | — | ||
| Q1 24 | 28.7% | — |
| Q4 25 | $0.83 | $0.07 | ||
| Q3 25 | $0.79 | $0.01 | ||
| Q2 25 | $0.22 | $-0.07 | ||
| Q1 25 | $0.71 | — | ||
| Q4 24 | $0.72 | — | ||
| Q3 24 | $0.74 | — | ||
| Q2 24 | $0.71 | — | ||
| Q1 24 | $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 | — | $106.4M |
| Total DebtLower is stronger | — | $3.4M |
| Stockholders' EquityBook value | $814.1M | $320.3M |
| Total Assets | $6.1B | $423.5M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $106.4M | ||
| Q3 25 | — | $98.3M | ||
| Q2 25 | — | $90.9M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $3.4M | ||
| Q3 25 | — | $4.6M | ||
| Q2 25 | — | $6.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $814.1M | $320.3M | ||
| Q3 25 | $796.3M | $298.0M | ||
| Q2 25 | $775.7M | $282.2M | ||
| Q1 25 | $667.9M | — | ||
| Q4 24 | $655.0M | — | ||
| Q3 24 | $573.1M | — | ||
| Q2 24 | $559.7M | — | ||
| Q1 24 | $551.0M | — |
| Q4 25 | $6.1B | $423.5M | ||
| Q3 25 | $6.3B | $408.6M | ||
| Q2 25 | $6.4B | $400.4M | ||
| Q1 25 | $5.5B | — | ||
| Q4 24 | $5.5B | — | ||
| Q3 24 | $5.5B | — | ||
| Q2 24 | $5.4B | — | ||
| Q1 24 | $5.3B | — |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | 0.02× | ||
| Q2 25 | — | 0.02× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $80.0M | $15.5M |
| Free Cash FlowOCF − Capex | $71.8M | $12.2M |
| FCF MarginFCF / Revenue | 115.8% | 10.1% |
| Capex IntensityCapex / Revenue | 13.3% | 2.7% |
| Cash ConversionOCF / Net Profit | 4.12× | 3.62× |
| TTM Free Cash FlowTrailing 4 quarters | $132.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $80.0M | $15.5M | ||
| Q3 25 | $26.3M | $14.8M | ||
| Q2 25 | $29.0M | $14.8M | ||
| Q1 25 | $11.5M | — | ||
| Q4 24 | $51.4M | — | ||
| Q3 24 | $16.9M | — | ||
| Q2 24 | $18.0M | — | ||
| Q1 24 | $12.4M | — |
| Q4 25 | $71.8M | $12.2M | ||
| Q3 25 | $24.3M | $13.1M | ||
| Q2 25 | $27.2M | $11.3M | ||
| Q1 25 | $8.8M | — | ||
| Q4 24 | $44.5M | — | ||
| Q3 24 | $16.8M | — | ||
| Q2 24 | $17.7M | — | ||
| Q1 24 | $12.1M | — |
| Q4 25 | 115.8% | 10.1% | ||
| Q3 25 | 39.4% | 11.1% | ||
| Q2 25 | 50.1% | 9.8% | ||
| Q1 25 | 18.4% | — | ||
| Q4 24 | 93.8% | — | ||
| Q3 24 | 37.1% | — | ||
| Q2 24 | 40.2% | — | ||
| Q1 24 | 28.5% | — |
| Q4 25 | 13.3% | 2.7% | ||
| Q3 25 | 3.1% | 1.5% | ||
| Q2 25 | 3.2% | 3.0% | ||
| Q1 25 | 5.7% | — | ||
| Q4 24 | 14.6% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 0.8% | — |
| Q4 25 | 4.12× | 3.62× | ||
| Q3 25 | 1.44× | 22.68× | ||
| 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.
Revenue Breakdown by Segment
MPB
Segment breakdown not available.
PHR
| Subscription And Services | $55.5M | 46% |
| Network Solutions | $37.4M | 31% |
| Payment Processing Fees | $27.4M | 23% |
