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Side-by-side financial comparison of MID PENN BANCORP INC (MPB) and TSS, Inc. (TSSI). 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 $60.9M, roughly 1.0× TSS, Inc.). MID PENN BANCORP INC runs the higher net margin — 31.4% vs 20.0%, a 11.4% gap on every dollar of revenue. On growth, MID PENN BANCORP INC posted the faster year-over-year revenue change (30.8% vs 21.8%). MID PENN BANCORP INC produced more free cash flow last quarter ($71.8M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
MPB vs TSSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $62.0M | $60.9M |
| Net Profit | $19.4M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | 43.6% | 1.5% |
| Net Margin | 31.4% | 20.0% |
| Revenue YoY | 30.8% | 21.8% |
| Net Profit YoY | 47.0% | 535.7% |
| EPS (diluted) | $0.83 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $61.8M | $41.9M | ||
| Q2 25 | $54.3M | $44.0M | ||
| Q1 25 | $47.7M | $99.0M | ||
| Q4 24 | $47.4M | $50.0M | ||
| Q3 24 | $45.3M | $70.1M | ||
| Q2 24 | $44.1M | $12.2M | ||
| Q1 24 | $42.3M | $15.9M |
| Q4 25 | $19.4M | $12.2M | ||
| Q3 25 | $18.3M | $-1.5M | ||
| Q2 25 | $4.8M | $1.5M | ||
| Q1 25 | $13.7M | $3.0M | ||
| Q4 24 | $13.2M | $1.9M | ||
| Q3 24 | $12.3M | $2.6M | ||
| Q2 24 | $11.8M | $1.4M | ||
| Q1 24 | $12.1M | $15.0K |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 17.1% |
| Q4 25 | 43.6% | 1.5% | ||
| Q3 25 | 39.3% | -2.2% | ||
| Q2 25 | 7.9% | 5.1% | ||
| Q1 25 | 35.2% | 4.2% | ||
| Q4 24 | 34.1% | 0.0% | ||
| Q3 24 | 32.8% | 5.4% | ||
| Q2 24 | 32.4% | 14.0% | ||
| Q1 24 | 34.8% | 1.6% |
| Q4 25 | 31.4% | 20.0% | ||
| Q3 25 | 29.6% | -3.6% | ||
| Q2 25 | 8.8% | 3.4% | ||
| Q1 25 | 28.8% | 3.0% | ||
| Q4 24 | 27.9% | 3.8% | ||
| Q3 24 | 27.1% | 3.8% | ||
| Q2 24 | 26.7% | 11.5% | ||
| Q1 24 | 28.7% | 0.1% |
| Q4 25 | $0.83 | $0.44 | ||
| Q3 25 | $0.79 | $-0.06 | ||
| Q2 25 | $0.22 | $0.06 | ||
| Q1 25 | $0.71 | $0.12 | ||
| Q4 24 | $0.72 | $0.08 | ||
| Q3 24 | $0.74 | $0.10 | ||
| Q2 24 | $0.71 | $0.06 | ||
| Q1 24 | $0.73 | $0.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $85.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $814.1M | $76.6M |
| Total Assets | $6.1B | $184.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $85.5M | ||
| Q3 25 | — | $70.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $23.2M | ||
| Q3 24 | — | $46.4M | ||
| Q2 24 | — | $8.3M | ||
| Q1 24 | — | $14.4M |
| Q4 25 | $814.1M | $76.6M | ||
| Q3 25 | $796.3M | $63.4M | ||
| Q2 25 | $775.7M | $9.5M | ||
| Q1 25 | $667.9M | $9.4M | ||
| Q4 24 | $655.0M | $7.1M | ||
| Q3 24 | $573.1M | $7.7M | ||
| Q2 24 | $559.7M | $5.2M | ||
| Q1 24 | $551.0M | $3.7M |
| Q4 25 | $6.1B | $184.9M | ||
| Q3 25 | $6.3B | $165.4M | ||
| Q2 25 | $6.4B | $139.5M | ||
| Q1 25 | $5.5B | $113.5M | ||
| Q4 24 | $5.5B | $96.6M | ||
| Q3 24 | $5.5B | $67.3M | ||
| Q2 24 | $5.4B | $28.9M | ||
| Q1 24 | $5.3B | $26.8M |
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 | $16.3M |
| Free Cash FlowOCF − Capex | $71.8M | $15.8M |
| FCF MarginFCF / Revenue | 115.8% | 25.9% |
| Capex IntensityCapex / Revenue | 13.3% | 0.9% |
| Cash ConversionOCF / Net Profit | 4.12× | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $132.1M | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $80.0M | $16.3M | ||
| Q3 25 | $26.3M | $-18.4M | ||
| Q2 25 | $29.0M | $16.3M | ||
| Q1 25 | $11.5M | $20.6M | ||
| Q4 24 | $51.4M | $-21.6M | ||
| Q3 24 | $16.9M | $38.6M | ||
| Q2 24 | $18.0M | $-4.3M | ||
| Q1 24 | $12.4M | $2.6M |
| Q4 25 | $71.8M | $15.8M | ||
| Q3 25 | $24.3M | $-24.9M | ||
| Q2 25 | $27.2M | $5.4M | ||
| Q1 25 | $8.8M | $5.8M | ||
| Q4 24 | $44.5M | $-28.4M | ||
| Q3 24 | $16.8M | $38.6M | ||
| Q2 24 | $17.7M | $-6.0M | ||
| Q1 24 | $12.1M | $2.6M |
| Q4 25 | 115.8% | 25.9% | ||
| Q3 25 | 39.4% | -59.3% | ||
| Q2 25 | 50.1% | 12.3% | ||
| Q1 25 | 18.4% | 5.8% | ||
| Q4 24 | 93.8% | -56.7% | ||
| Q3 24 | 37.1% | 55.1% | ||
| Q2 24 | 40.2% | -49.4% | ||
| Q1 24 | 28.5% | 16.4% |
| Q4 25 | 13.3% | 0.9% | ||
| Q3 25 | 3.1% | 15.3% | ||
| Q2 25 | 3.2% | 24.8% | ||
| Q1 25 | 5.7% | 15.0% | ||
| Q4 24 | 14.6% | 13.4% | ||
| Q3 24 | 0.0% | 0.1% | ||
| Q2 24 | 0.7% | 13.8% | ||
| Q1 24 | 0.8% | 0.2% |
| Q4 25 | 4.12× | 1.34× | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 6.08× | 11.02× | ||
| Q1 25 | 0.84× | 6.93× | ||
| Q4 24 | 3.88× | -11.32× | ||
| Q3 24 | 1.37× | 14.60× | ||
| Q2 24 | 1.53× | -3.09× | ||
| Q1 24 | 1.02× | 176.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MPB
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
