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Side-by-side financial comparison of MID PENN BANCORP INC (MPB) and STEM, INC. (STEM). 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 $47.1M, roughly 1.3× STEM, INC.). MID PENN BANCORP INC runs the higher net margin — 31.4% vs -33.9%, a 65.2% gap on every dollar of revenue. On growth, MID PENN BANCORP INC posted the faster year-over-year revenue change (30.8% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% 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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
MPB vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $62.0M | $47.1M |
| Net Profit | $19.4M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 43.6% | -17.7% |
| Net Margin | 31.4% | -33.9% |
| Revenue YoY | 30.8% | -15.6% |
| Net Profit YoY | 47.0% | 68.8% |
| EPS (diluted) | $0.83 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $61.8M | $38.2M | ||
| Q2 25 | $54.3M | $38.4M | ||
| Q1 25 | $47.7M | $32.5M | ||
| Q4 24 | $47.4M | $55.8M | ||
| Q3 24 | $45.3M | $29.3M | ||
| Q2 24 | $44.1M | $34.0M | ||
| Q1 24 | $42.3M | $25.5M |
| Q4 25 | $19.4M | $-16.0M | ||
| Q3 25 | $18.3M | $-23.8M | ||
| Q2 25 | $4.8M | $202.5M | ||
| Q1 25 | $13.7M | $-25.0M | ||
| Q4 24 | $13.2M | $-51.1M | ||
| Q3 24 | $12.3M | $-148.3M | ||
| Q2 24 | $11.8M | $-582.3M | ||
| Q1 24 | $12.1M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 43.6% | -17.7% | ||
| Q3 25 | 39.3% | -33.6% | ||
| Q2 25 | 7.9% | -34.8% | ||
| Q1 25 | 35.2% | -65.0% | ||
| Q4 24 | 34.1% | -84.4% | ||
| Q3 24 | 32.8% | -493.2% | ||
| Q2 24 | 32.4% | -1705.5% | ||
| Q1 24 | 34.8% | -267.0% |
| Q4 25 | 31.4% | -33.9% | ||
| Q3 25 | 29.6% | -62.2% | ||
| Q2 25 | 8.8% | 527.8% | ||
| Q1 25 | 28.8% | -76.9% | ||
| Q4 24 | 27.9% | -91.6% | ||
| Q3 24 | 27.1% | -506.3% | ||
| Q2 24 | 26.7% | -1712.6% | ||
| Q1 24 | 28.7% | -283.9% |
| Q4 25 | $0.83 | $-4.40 | ||
| Q3 25 | $0.79 | $-2.84 | ||
| Q2 25 | $0.22 | $-1.79 | ||
| Q1 25 | $0.71 | $-0.15 | ||
| Q4 24 | $0.72 | $-15.29 | ||
| Q3 24 | $0.74 | $-18.24 | ||
| Q2 24 | $0.71 | $-71.81 | ||
| Q1 24 | $0.73 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $814.1M | $-249.4M |
| Total Assets | $6.1B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | $814.1M | $-249.4M | ||
| Q3 25 | $796.3M | $-235.7M | ||
| Q2 25 | $775.7M | $-214.1M | ||
| Q1 25 | $667.9M | $-417.5M | ||
| Q4 24 | $655.0M | $-398.4M | ||
| Q3 24 | $573.1M | $-344.1M | ||
| Q2 24 | $559.7M | $-203.2M | ||
| Q1 24 | $551.0M | $371.6M |
| Q4 25 | $6.1B | $308.9M | ||
| Q3 25 | $6.3B | $362.6M | ||
| Q2 25 | $6.4B | $379.2M | ||
| Q1 25 | $5.5B | $405.1M | ||
| Q4 24 | $5.5B | $437.4M | ||
| Q3 24 | $5.5B | $537.8M | ||
| Q2 24 | $5.4B | $691.5M | ||
| Q1 24 | $5.3B | $1.3B |
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 | $80.0M | $8.2M |
| 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 | $80.0M | $8.2M | ||
| Q3 25 | $26.3M | $11.4M | ||
| Q2 25 | $29.0M | $-21.3M | ||
| Q1 25 | $11.5M | $8.5M | ||
| Q4 24 | $51.4M | $-14.7M | ||
| Q3 24 | $16.9M | $-9.4M | ||
| Q2 24 | $18.0M | $-11.9M | ||
| Q1 24 | $12.4M | $-621.0K |
| 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 | 3.1% | — | ||
| Q2 25 | 3.2% | — | ||
| Q1 25 | 5.7% | — | ||
| Q4 24 | 14.6% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 0.8% | — |
| Q4 25 | 4.12× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 6.08× | -0.11× | ||
| 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.
