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Side-by-side financial comparison of MID PENN BANCORP INC (MPB) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $62.0M, roughly 1.3× MID PENN BANCORP INC). MID PENN BANCORP INC runs the higher net margin — 31.4% vs -178.3%, a 209.6% gap on every dollar of revenue. On growth, MID PENN BANCORP INC posted the faster year-over-year revenue change (30.8% vs 0.4%). MID PENN BANCORP INC produced more free cash flow last quarter ($71.8M vs $23.2M). Over the past eight quarters, MID PENN BANCORP INC's revenue compounded faster (21.1% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
MPB vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $62.0M | $78.6M |
| Net Profit | $19.4M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 43.6% | -182.2% |
| Net Margin | 31.4% | -178.3% |
| Revenue YoY | 30.8% | 0.4% |
| Net Profit YoY | 47.0% | -3304.1% |
| EPS (diluted) | $0.83 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $61.8M | $77.7M | ||
| Q2 25 | $54.3M | $75.6M | ||
| Q1 25 | $47.7M | $77.3M | ||
| Q4 24 | $47.4M | $78.3M | ||
| Q3 24 | $45.3M | $79.1M | ||
| Q2 24 | $44.1M | $74.9M | ||
| Q1 24 | $42.3M | $80.7M |
| Q4 25 | $19.4M | $-140.1M | ||
| Q3 25 | $18.3M | $-6.4M | ||
| Q2 25 | $4.8M | $-102.3M | ||
| Q1 25 | $13.7M | $-7.9M | ||
| Q4 24 | $13.2M | $-4.1M | ||
| Q3 24 | $12.3M | $3.2M | ||
| Q2 24 | $11.8M | $-4.1M | ||
| Q1 24 | $12.1M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 43.6% | -182.2% | ||
| Q3 25 | 39.3% | -3.9% | ||
| Q2 25 | 7.9% | -138.7% | ||
| Q1 25 | 35.2% | -4.7% | ||
| Q4 24 | 34.1% | -1.5% | ||
| Q3 24 | 32.8% | -0.9% | ||
| Q2 24 | 32.4% | -4.6% | ||
| Q1 24 | 34.8% | -3.1% |
| Q4 25 | 31.4% | -178.3% | ||
| Q3 25 | 29.6% | -8.3% | ||
| Q2 25 | 8.8% | -135.2% | ||
| Q1 25 | 28.8% | -10.3% | ||
| Q4 24 | 27.9% | -5.3% | ||
| Q3 24 | 27.1% | 4.1% | ||
| Q2 24 | 26.7% | -5.4% | ||
| Q1 24 | 28.7% | -6.5% |
| Q4 25 | $0.83 | $-1.68 | ||
| Q3 25 | $0.79 | $-0.08 | ||
| Q2 25 | $0.22 | $-1.15 | ||
| Q1 25 | $0.71 | $-0.09 | ||
| Q4 24 | $0.72 | $-0.04 | ||
| Q3 24 | $0.74 | $0.03 | ||
| Q2 24 | $0.71 | $-0.04 | ||
| Q1 24 | $0.73 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $814.1M | $484.4M |
| Total Assets | $6.1B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $814.1M | $484.4M | ||
| Q3 25 | $796.3M | $616.9M | ||
| Q2 25 | $775.7M | $633.7M | ||
| Q1 25 | $667.9M | $755.7M | ||
| Q4 24 | $655.0M | $761.3M | ||
| Q3 24 | $573.1M | $754.7M | ||
| Q2 24 | $559.7M | $815.4M | ||
| Q1 24 | $551.0M | $813.8M |
| Q4 25 | $6.1B | $1.2B | ||
| Q3 25 | $6.3B | $1.3B | ||
| Q2 25 | $6.4B | $1.4B | ||
| Q1 25 | $5.5B | $1.5B | ||
| Q4 24 | $5.5B | $1.6B | ||
| Q3 24 | $5.5B | $1.6B | ||
| Q2 24 | $5.4B | $1.5B | ||
| Q1 24 | $5.3B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $71.8M | $23.2M |
| FCF MarginFCF / Revenue | 115.8% | 29.6% |
| Capex IntensityCapex / Revenue | 13.3% | 0.1% |
| Cash ConversionOCF / Net Profit | 4.12× | — |
| TTM Free Cash FlowTrailing 4 quarters | $132.1M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $80.0M | $23.3M | ||
| Q3 25 | $26.3M | $32.2M | ||
| Q2 25 | $29.0M | $33.1M | ||
| Q1 25 | $11.5M | $2.5M | ||
| Q4 24 | $51.4M | $34.3M | ||
| Q3 24 | $16.9M | $60.1M | ||
| Q2 24 | $18.0M | $31.0M | ||
| Q1 24 | $12.4M | $24.8M |
| Q4 25 | $71.8M | $23.2M | ||
| Q3 25 | $24.3M | $32.1M | ||
| Q2 25 | $27.2M | $33.0M | ||
| Q1 25 | $8.8M | $2.4M | ||
| Q4 24 | $44.5M | $34.0M | ||
| Q3 24 | $16.8M | $59.8M | ||
| Q2 24 | $17.7M | $30.5M | ||
| Q1 24 | $12.1M | $24.7M |
| Q4 25 | 115.8% | 29.6% | ||
| Q3 25 | 39.4% | 41.3% | ||
| Q2 25 | 50.1% | 43.6% | ||
| Q1 25 | 18.4% | 3.0% | ||
| Q4 24 | 93.8% | 43.5% | ||
| Q3 24 | 37.1% | 75.6% | ||
| Q2 24 | 40.2% | 40.7% | ||
| Q1 24 | 28.5% | 30.6% |
| Q4 25 | 13.3% | 0.1% | ||
| Q3 25 | 3.1% | 0.2% | ||
| Q2 25 | 3.2% | 0.1% | ||
| Q1 25 | 5.7% | 0.2% | ||
| Q4 24 | 14.6% | 0.3% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.7% | 0.6% | ||
| Q1 24 | 0.8% | 0.1% |
| Q4 25 | 4.12× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 6.08× | — | ||
| Q1 25 | 0.84× | — | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | 1.37× | 18.52× | ||
| 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.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
