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Side-by-side financial comparison of MID PENN BANCORP INC (MPB) and SOUTHSIDE BANCSHARES INC (SBSI). Click either name above to swap in a different company.
SOUTHSIDE BANCSHARES INC is the larger business by last-quarter revenue ($62.8M vs $62.0M, roughly 1.0× MID PENN BANCORP INC). SOUTHSIDE BANCSHARES INC runs the higher net margin — 33.4% vs 31.4%, a 2.1% gap on every dollar of revenue. On growth, MID PENN BANCORP INC posted the faster year-over-year revenue change (30.8% vs -4.8%). SOUTHSIDE BANCSHARES INC produced more free cash flow last quarter ($73.5M vs $71.8M). Over the past eight quarters, MID PENN BANCORP INC's revenue compounded faster (21.1% CAGR vs -0.2%).
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.
Southside Bancshares Inc. is a U.S.-based bank holding company primarily operating in Texas. It offers a full range of personal and commercial banking services including deposit accounts, mortgage, consumer and commercial loans, and wealth management solutions, serving retail customers, small and medium-sized enterprises and local community groups.
MPB vs SBSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $62.0M | $62.8M |
| Net Profit | $19.4M | $21.0M |
| Gross Margin | — | — |
| Operating Margin | 43.6% | 39.4% |
| Net Margin | 31.4% | 33.4% |
| Revenue YoY | 30.8% | -4.8% |
| Net Profit YoY | 47.0% | -3.7% |
| EPS (diluted) | $0.83 | $0.70 |
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 | $62.8M | ||
| Q3 25 | $61.8M | $43.7M | ||
| Q2 25 | $54.3M | $66.4M | ||
| Q1 25 | $47.7M | $64.1M | ||
| Q4 24 | $47.4M | $66.0M | ||
| Q3 24 | $45.3M | $63.6M | ||
| Q2 24 | $44.1M | $65.2M | ||
| Q1 24 | $42.3M | $63.1M |
| Q4 25 | $19.4M | $21.0M | ||
| Q3 25 | $18.3M | $4.9M | ||
| Q2 25 | $4.8M | $21.8M | ||
| Q1 25 | $13.7M | $21.5M | ||
| Q4 24 | $13.2M | $21.8M | ||
| Q3 24 | $12.3M | $20.5M | ||
| Q2 24 | $11.8M | $24.7M | ||
| Q1 24 | $12.1M | $21.5M |
| Q4 25 | 43.6% | 39.4% | ||
| Q3 25 | 39.3% | 11.7% | ||
| Q2 25 | 7.9% | 40.0% | ||
| Q1 25 | 35.2% | 40.9% | ||
| Q4 24 | 34.1% | 40.1% | ||
| Q3 24 | 32.8% | 39.2% | ||
| Q2 24 | 32.4% | 45.9% | ||
| Q1 24 | 34.8% | 41.4% |
| Q4 25 | 31.4% | 33.4% | ||
| Q3 25 | 29.6% | 11.2% | ||
| Q2 25 | 8.8% | 32.8% | ||
| Q1 25 | 28.8% | 33.6% | ||
| Q4 24 | 27.9% | 33.0% | ||
| Q3 24 | 27.1% | 32.3% | ||
| Q2 24 | 26.7% | 37.9% | ||
| Q1 24 | 28.7% | 34.1% |
| Q4 25 | $0.83 | $0.70 | ||
| Q3 25 | $0.79 | $0.16 | ||
| Q2 25 | $0.22 | $0.72 | ||
| Q1 25 | $0.71 | $0.71 | ||
| Q4 24 | $0.72 | $0.71 | ||
| Q3 24 | $0.74 | $0.68 | ||
| Q2 24 | $0.71 | $0.81 | ||
| Q1 24 | $0.73 | $0.71 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $389.8M |
| Total DebtLower is stronger | — | $300.0M |
| Stockholders' EquityBook value | $814.1M | $847.6M |
| Total Assets | $6.1B | $8.5B |
| Debt / EquityLower = less leverage | — | 0.35× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $389.8M | ||
| Q3 25 | — | $466.9M | ||
| Q2 25 | — | $390.1M | ||
| Q1 25 | — | $431.0M | ||
| Q4 24 | — | $426.2M | ||
| Q3 24 | — | $486.3M | ||
| Q2 24 | — | $452.0M | ||
| Q1 24 | — | $469.4M |
| Q4 25 | — | $300.0M | ||
| Q3 25 | — | $299.9M | ||
| Q2 25 | — | $152.4M | ||
| Q1 25 | — | $152.4M | ||
| Q4 24 | — | $152.3M | ||
| Q3 24 | — | $152.3M | ||
| Q2 24 | — | $152.2M | ||
| Q1 24 | — | $154.2M |
| Q4 25 | $814.1M | $847.6M | ||
| Q3 25 | $796.3M | $834.9M | ||
| Q2 25 | $775.7M | $807.2M | ||
| Q1 25 | $667.9M | $816.6M | ||
| Q4 24 | $655.0M | $811.9M | ||
| Q3 24 | $573.1M | $805.3M | ||
| Q2 24 | $559.7M | $801.0M | ||
| Q1 24 | $551.0M | $787.9M |
| Q4 25 | $6.1B | $8.5B | ||
| Q3 25 | $6.3B | $8.4B | ||
| Q2 25 | $6.4B | $8.3B | ||
| Q1 25 | $5.5B | $8.3B | ||
| Q4 24 | $5.5B | $8.5B | ||
| Q3 24 | $5.5B | $8.4B | ||
| Q2 24 | $5.4B | $8.4B | ||
| Q1 24 | $5.3B | $8.4B |
| Q4 25 | — | 0.35× | ||
| Q3 25 | — | 0.36× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | 0.19× | ||
| Q2 24 | — | 0.19× | ||
| Q1 24 | — | 0.20× |
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 | $93.8M |
| Free Cash FlowOCF − Capex | $71.8M | $73.5M |
| FCF MarginFCF / Revenue | 115.8% | 117.0% |
| Capex IntensityCapex / Revenue | 13.3% | 32.4% |
| Cash ConversionOCF / Net Profit | 4.12× | 4.47× |
| TTM Free Cash FlowTrailing 4 quarters | $132.1M | $130.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $80.0M | $93.8M | ||
| Q3 25 | $26.3M | $40.2M | ||
| Q2 25 | $29.0M | $5.9M | ||
| Q1 25 | $11.5M | $23.9M | ||
| Q4 24 | $51.4M | $101.8M | ||
| Q3 24 | $16.9M | $-11.7M | ||
| Q2 24 | $18.0M | $16.5M | ||
| Q1 24 | $12.4M | $58.3M |
| Q4 25 | $71.8M | $73.5M | ||
| Q3 25 | $24.3M | $37.4M | ||
| Q2 25 | $27.2M | $-2.0M | ||
| Q1 25 | $8.8M | $21.5M | ||
| Q4 24 | $44.5M | $90.7M | ||
| Q3 24 | $16.8M | $-14.2M | ||
| Q2 24 | $17.7M | $15.4M | ||
| Q1 24 | $12.1M | $55.7M |
| Q4 25 | 115.8% | 117.0% | ||
| Q3 25 | 39.4% | 85.5% | ||
| Q2 25 | 50.1% | -3.0% | ||
| Q1 25 | 18.4% | 33.6% | ||
| Q4 24 | 93.8% | 137.4% | ||
| Q3 24 | 37.1% | -22.3% | ||
| Q2 24 | 40.2% | 23.6% | ||
| Q1 24 | 28.5% | 88.4% |
| Q4 25 | 13.3% | 32.4% | ||
| Q3 25 | 3.1% | 6.5% | ||
| Q2 25 | 3.2% | 12.0% | ||
| Q1 25 | 5.7% | 3.8% | ||
| Q4 24 | 14.6% | 16.9% | ||
| Q3 24 | 0.0% | 3.8% | ||
| Q2 24 | 0.7% | 1.7% | ||
| Q1 24 | 0.8% | 4.1% |
| Q4 25 | 4.12× | 4.47× | ||
| Q3 25 | 1.44× | 8.18× | ||
| Q2 25 | 6.08× | 0.27× | ||
| Q1 25 | 0.84× | 1.11× | ||
| Q4 24 | 3.88× | 4.67× | ||
| Q3 24 | 1.37× | -0.57× | ||
| Q2 24 | 1.53× | 0.67× | ||
| Q1 24 | 1.02× | 2.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
