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Side-by-side financial comparison of MID PENN BANCORP INC (MPB) and Sezzle Inc. (SEZL). Click either name above to swap in a different company.
Sezzle Inc. is the larger business by last-quarter revenue ($78.2M vs $62.0M, roughly 1.3× MID PENN BANCORP INC). Sezzle Inc. runs the higher net margin — 54.6% vs 31.4%, a 23.2% gap on every dollar of revenue. On growth, Sezzle Inc. posted the faster year-over-year revenue change (61.6% vs 30.8%). MID PENN BANCORP INC produced more free cash flow last quarter ($71.8M vs $70.6M). Over the past eight quarters, Sezzle Inc.'s revenue compounded faster (76.0% CAGR vs 21.1%).
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.
Sezzle is a publicly traded financial technology company headquartered in Minneapolis, U.S, with operations in the United States and Canada. The company provides an alternative payment platform offering interest-free installment plans at selected online stores. As of June 2021, the Sezzle platform had over 10 million user sign-ups and over 48,000 participating merchants.
MPB vs SEZL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $62.0M | $78.2M |
| Net Profit | $19.4M | $42.7M |
| Gross Margin | — | — |
| Operating Margin | 43.6% | 70.6% |
| Net Margin | 31.4% | 54.6% |
| Revenue YoY | 30.8% | 61.6% |
| Net Profit YoY | 47.0% | 68.3% |
| EPS (diluted) | $0.83 | $1.19 |
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 | $78.2M | ||
| Q3 25 | $61.8M | $57.5M | ||
| Q2 25 | $54.3M | $52.0M | ||
| Q1 25 | $47.7M | $48.2M | ||
| Q4 24 | $47.4M | $48.4M | ||
| Q3 24 | $45.3M | $35.6M | ||
| Q2 24 | $44.1M | $30.2M | ||
| Q1 24 | $42.3M | $25.2M |
| Q4 25 | $19.4M | $42.7M | ||
| Q3 25 | $18.3M | $26.7M | ||
| Q2 25 | $4.8M | $27.6M | ||
| Q1 25 | $13.7M | $36.2M | ||
| Q4 24 | $13.2M | $25.4M | ||
| Q3 24 | $12.3M | $15.4M | ||
| Q2 24 | $11.8M | $29.7M | ||
| Q1 24 | $12.1M | $8.0M |
| Q4 25 | 43.6% | 70.6% | ||
| Q3 25 | 39.3% | 61.9% | ||
| Q2 25 | 7.9% | 69.4% | ||
| Q1 25 | 35.2% | — | ||
| Q4 24 | 34.1% | 63.8% | ||
| Q3 24 | 32.8% | 58.6% | ||
| Q2 24 | 32.4% | 55.3% | ||
| Q1 24 | 34.8% | 54.8% |
| Q4 25 | 31.4% | 54.6% | ||
| Q3 25 | 29.6% | 46.4% | ||
| Q2 25 | 8.8% | 53.1% | ||
| Q1 25 | 28.8% | 75.1% | ||
| Q4 24 | 27.9% | 52.4% | ||
| Q3 24 | 27.1% | 43.4% | ||
| Q2 24 | 26.7% | 98.4% | ||
| Q1 24 | 28.7% | 31.7% |
| Q4 25 | $0.83 | $1.19 | ||
| Q3 25 | $0.79 | $0.75 | ||
| Q2 25 | $0.22 | $0.78 | ||
| Q1 25 | $0.71 | $1.00 | ||
| Q4 24 | $0.72 | $0.71 | ||
| Q3 24 | $0.74 | $0.44 | ||
| Q2 24 | $0.71 | $0.82 | ||
| Q1 24 | $0.73 | $0.22 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $64.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $814.1M | $169.8M |
| Total Assets | $6.1B | $400.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $64.1M | ||
| Q3 25 | — | $104.1M | ||
| Q2 25 | — | $88.9M | ||
| Q1 25 | — | $88.9M | ||
| Q4 24 | — | $73.2M | ||
| Q3 24 | — | $80.1M | ||
| Q2 24 | — | $58.0M | ||
| Q1 24 | — | $77.8M |
| Q4 25 | $814.1M | $169.8M | ||
| Q3 25 | $796.3M | $155.3M | ||
| Q2 25 | $775.7M | $130.4M | ||
| Q1 25 | $667.9M | $125.8M | ||
| Q4 24 | $655.0M | $87.8M | ||
| Q3 24 | $573.1M | $61.1M | ||
| Q2 24 | $559.7M | $50.3M | ||
| Q1 24 | $551.0M | $29.6M |
| Q4 25 | $6.1B | $400.2M | ||
| Q3 25 | $6.3B | $367.0M | ||
| Q2 25 | $6.4B | $350.6M | ||
| Q1 25 | $5.5B | $298.1M | ||
| Q4 24 | $5.5B | $298.4M | ||
| Q3 24 | $5.5B | $252.9M | ||
| Q2 24 | $5.4B | $212.1M | ||
| Q1 24 | $5.3B | $195.7M |
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 | $70.6M |
| Free Cash FlowOCF − Capex | $71.8M | $70.6M |
| FCF MarginFCF / Revenue | 115.8% | 90.2% |
| Capex IntensityCapex / Revenue | 13.3% | 0.1% |
| Cash ConversionOCF / Net Profit | 4.12× | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $132.1M | $209.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $80.0M | $70.6M | ||
| Q3 25 | $26.3M | $63.7M | ||
| Q2 25 | $29.0M | $23.1M | ||
| Q1 25 | $11.5M | $52.5M | ||
| Q4 24 | $51.4M | $57.4M | ||
| Q3 24 | $16.9M | $35.1M | ||
| Q2 24 | $18.0M | $22.2M | ||
| Q1 24 | $12.4M | $16.0M |
| Q4 25 | $71.8M | $70.6M | ||
| Q3 25 | $24.3M | $63.6M | ||
| Q2 25 | $27.2M | $22.7M | ||
| Q1 25 | $8.8M | $52.5M | ||
| Q4 24 | $44.5M | $57.4M | ||
| Q3 24 | $16.8M | $35.1M | ||
| Q2 24 | $17.7M | $22.2M | ||
| Q1 24 | $12.1M | $16.0M |
| Q4 25 | 115.8% | 90.2% | ||
| Q3 25 | 39.4% | 110.6% | ||
| Q2 25 | 50.1% | 43.6% | ||
| Q1 25 | 18.4% | 108.9% | ||
| Q4 24 | 93.8% | 118.5% | ||
| Q3 24 | 37.1% | 98.6% | ||
| Q2 24 | 40.2% | 73.4% | ||
| Q1 24 | 28.5% | 63.3% |
| Q4 25 | 13.3% | 0.1% | ||
| Q3 25 | 3.1% | 0.3% | ||
| Q2 25 | 3.2% | 0.8% | ||
| Q1 25 | 5.7% | 0.1% | ||
| Q4 24 | 14.6% | 0.1% | ||
| Q3 24 | 0.0% | 0.0% | ||
| Q2 24 | 0.7% | 0.1% | ||
| Q1 24 | 0.8% | 0.0% |
| Q4 25 | 4.12× | 1.65× | ||
| Q3 25 | 1.44× | 2.39× | ||
| Q2 25 | 6.08× | 0.84× | ||
| Q1 25 | 0.84× | 1.45× | ||
| Q4 24 | 3.88× | 2.26× | ||
| Q3 24 | 1.37× | 2.27× | ||
| Q2 24 | 1.53× | 0.75× | ||
| Q1 24 | 1.02× | 2.00× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MPB
Segment breakdown not available.
SEZL
| Merchant And Partner Income | $28.9M | 37% |
| Transaction Income | $25.9M | 33% |
| Income From Other Services Late Payment Fees | $20.5M | 26% |
| Other | $2.9M | 4% |
