Meridian Bank (MRBK) AI Stock Analysis

• Market Cap: $202.71M
• Dividend Yield: 2.84%
• Average Volume (3M): 51.23K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.96
• Revenue Growth: 9.77%
• EPS Growth: 76.75%
• Country: US
• Employees: 322
• Sector: N/A
• Sector Strength: N/A
• Industry: Banks - Regional
• EPS (TTM): 0.58
• Shares Outstanding: 11,517,456
• 10 Day Avg. Volume: 46,276
• 30 Day Avg. Volume: 51,225
• PEG Ratio: 0.40
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 0.77
• P/FCF Ratio: 16.87
• Enterprise Value/Market Cap: 1.76
• Enterprise Value/Revenue: 1.74
• Enterprise Value/Gross Profit: 3.25
• Enterprise Value/Ebitda: 12.70
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $18.50 ▲(15.55% Upside)

Meridian Bank's strong financial performance and technical indicators suggest a positive outlook. The stock is undervalued with a low P/E ratio and offers an attractive dividend yield. The technical analysis indicates strong upward momentum, though caution is advised due to potential overbought conditions. The recent corporate event highlights robust earnings growth, further supporting the stock's positive trajectory.

Meridian Bank Business Overview & Revenue Model

Company Description

Meridian Bank (MRBK) is a banking institution that provides a variety of financial services primarily targeting individuals and small to medium-sized businesses. The bank operates in sectors such as commercial banking, consumer banking, and real estate finance. Its core products include personal and business loans, checking and savings accounts, mortgage services, and investment products, all aimed at fostering financial growth and stability for its clients.

How the Company Makes Money

Meridian Bank generates revenue primarily through interest income from loans and mortgages issued to customers. The bank charges interest on various financial products, including personal loans, business loans, and mortgages, which constitutes a significant portion of its earnings. Additionally, the bank earns fee income from account services, transaction fees, and investment products. Key partnerships with local businesses and real estate agencies enhance its loan origination capabilities and broaden its customer base. Moreover, the bank may also benefit from income generated through wealth management services and investment advisory, contributing to its overall financial performance.

Meridian Bank Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
Total Liabilities
Stockholders Equity
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Meridian Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MRBK, the sentiment is Positive. The current price of 16.01 is below the 20-day moving average (MA) of 16.75, above the 50-day MA of 15.43, and above the 200-day MA of 14.31, indicating a bullish trend. The MACD of 0.72 indicates Negative momentum. The RSI at 70.49 is Negative, neither overbought nor oversold. The STOCH value of 73.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MRBK.

Meridian Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	―	―	―	―	―	―
UBFO	78 Outperform	$180.17M	15.55	8.41%	4.66%	-2.00%	-36.25%
PEBK	76 Outperform	$204.51M	12.13	11.73%	2.56%	4.52%	3.47%
MRBK	75 Outperform	$202.71M	9.86	11.39%	2.84%	9.77%	76.75%
ATLO	70 Outperform	$205.41M	12.75	8.35%	3.49%	5.89%	82.82%
OVBC	68 Neutral	$190.14M	13.35	8.95%	2.25%	10.35%	22.05%
CBFV	67 Neutral	$182.10M	87.25	1.78%	2.81%	-1.39%	-88.66%

Meridian Bank Corporate Events

Meridian Bank Reports Strong Q3 2025 Earnings Growth

Meridian Corporation, a financial services company, reported a significant increase in its third-quarter 2025 earnings, with net income rising by 19% to $6.7 million compared to the previous quarter. The company also declared a quarterly cash dividend of $0.125 per common share, payable on November 17, 2025. The improved financial performance was driven by a rise in net interest margin to 3.77% and strong loan growth in its commercial and real estate segments. Despite challenges with nonperforming loans, Meridian’s wealth and mortgage units remained profitable, and the company aims to capitalize on market acquisitions and reduced competition.