Meridian Bank (MRBK) AI Stock Analysis

• Market Cap: $169.42M
• Dividend Yield: 3.39%
• Average Volume (3M): 55.75K
• Price to Earnings (P/E): 8.3
• Beta (1Y): 1.05
• Revenue Growth: 9.77%
• EPS Growth: 76.75%
• Country: US
• Employees: 322
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.58
• Shares Outstanding: 11,517,456
• 10 Day Avg. Volume: 54,336
• 30 Day Avg. Volume: 55,751
• 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: 2.11
• Enterprise Value/Revenue: 1.83
• Enterprise Value/Gross Profit: 4.48
• Enterprise Value/Ebitda: 7.24
• 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: 68 Neutral
• Price Target: $16.00 ▲(11.42% Upside)

Meridian Bank's overall stock score is driven primarily by its solid financial performance and attractive valuation. The bank shows consistent revenue growth and effective cost management, though there is room for improvement in profitability margins. The stock's valuation is appealing with a low P/E ratio and a strong dividend yield. Technical analysis indicates a lack of strong momentum, with mixed signals from moving averages and momentum indicators.

Meridian Bank Business Overview & Revenue Model

Company Description

Meridian Bank (MRBK) is a financial institution based in the United States, primarily engaged in providing a wide range of banking services to both individual and commercial clients. The bank operates in sectors such as retail banking, commercial banking, and investment services. Core products include checking and savings accounts, loans, mortgages, and various investment products, catering to the diverse financial needs of its customers.

How the Company Makes Money

Meridian Bank generates revenue through several key streams, primarily from interest income on loans and mortgages provided to customers. This interest income constitutes a significant portion of the bank's earnings. Additionally, the bank earns non-interest income from service fees associated with checking and savings accounts, as well as fees from investment services and other financial products. The bank may also engage in wealth management and advisory services that contribute to its revenue. Partnerships with other financial institutions and service providers can enhance its offerings and create additional revenue opportunities. The bank's overall financial performance is influenced by interest rate trends, economic conditions, and regulatory factors affecting the banking sector.

Meridian Bank Financial Statement Overview

Summary

Meridian Bank demonstrates solid financial health with consistent revenue growth and effective cost management. While profitability margins are stable, there is room for improvement in net profit margins. The balance sheet reflects a balanced leverage position, though high debt levels warrant careful monitoring. Cash flow generation is strong, but the conversion of income to cash could be enhanced.

Income Statement

Meridian Bank shows a consistent revenue growth trend with a TTM revenue growth rate of 2.46%. The gross profit margin remains strong at 52.26%, indicating efficient cost management. However, the net profit margin is relatively modest at 9.01%, suggesting room for improvement in profitability. The EBIT and EBITDA margins are stable, reflecting operational efficiency.

Balance Sheet

The bank maintains a balanced debt-to-equity ratio of 1.06, indicating a moderate level of leverage. Return on equity is healthy at 10.63%, showcasing effective utilization of shareholder funds. The equity ratio is stable, reflecting a solid capital structure, although the high debt levels could pose potential risks if not managed carefully.

Cash Flow

The cash flow statement reveals a strong free cash flow growth rate of 21.60% in the TTM, indicating improved cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio is robust at 101.38%, highlighting effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	195.41M	197.37M	168.55M	130.44M	159.51M	149.57M
Gross Profit	79.54M	100.94M	94.09M	109.36M	150.03M	127.61M
EBITDA	49.27M	24.09M	19.44M	29.00M	41.49M	32.46M
Net Income	20.25M	16.35M	13.24M	21.83M	35.59M	26.44M
Balance Sheet
Total Assets	2.54B	2.39B	2.25B	2.06B	1.71B	1.72B
Cash, Cash Equivalents and Short-Term Investments	206.87M	105.67M	202.72M	173.74M	182.78M	157.75M
Total Debt	0.00	174.21M	191.73M	162.43M	81.85M	256.67M
Total Liabilities	2.35B	2.21B	2.09B	1.91B	1.55B	1.58B
Stockholders Equity	188.03M	171.52M	158.02M	153.28M	165.36M	141.62M
Cash Flow
Free Cash Flow	29.43M	9.03M	17.03M	81.76M	159.75M	-159.21M
Operating Cash Flow	29.77M	9.60M	18.85M	84.67M	165.12M	-158.47M
Investing Cash Flow	-164.51M	-165.00M	-164.19M	-393.15M	-140.51M	-370.70M
Financing Cash Flow	142.38M	126.16M	163.64M	323.39M	-37.87M	526.54M

Meridian Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.36
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 14.36 is below the 20-day moving average (MA) of 14.53, below the 50-day MA of 15.00, and above the 200-day MA of 14.23, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 51.05 is Neutral, neither overbought nor oversold. The STOCH value of 65.33 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
UBFO	77 Outperform	$162.88M	14.21	8.41%	4.90%	-2.00%	-36.25%
ATLO	71 Outperform	$189.18M	11.83	8.35%	3.77%	5.89%	82.82%
PEBK	71 Outperform	$161.22M	9.64	11.73%	3.18%	4.52%	3.47%
MRBK	68 Neutral	$169.42M	8.31	11.39%	3.39%	9.77%	76.75%
OVBC	68 Neutral	$167.38M	11.82	8.95%	2.56%	10.35%	22.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBFV	61 Neutral	$159.09M	79.16	1.78%	3.01%	-1.39%	-88.66%

Meridian Bank Corporate Events

Meridian Bank Reports Strong Q3 2025 Earnings

Meridian Bank, a community bank operating in Pennsylvania, New Jersey, Delaware, and Maryland, offers a range of financial services including business and industrial lending, real estate lending, and wealth management. In its third-quarter earnings report for 2025, Meridian Bank announced a net income of $6.7 million, marking a 19% increase from the previous quarter. The bank also declared a quarterly dividend of $0.125 per common share. Key financial highlights include a net interest margin of 3.77% and a 3% increase in commercial loans, excluding leases. Despite challenges with non-performing loans, Meridian Bank’s wealth and mortgage units performed well, contributing to the overall positive financial results. Looking forward, Meridian Bank aims to leverage market acquisitions and its strong brand presence to continue its growth trajectory.

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.

The most recent analyst rating on (MRBK) stock is a Hold with a $16.00 price target. To see the full list of analyst forecasts on Meridian Bank stock, see the MRBK Stock Forecast page.

Meridian Bank Reports Strong Q2 2025 Earnings

Meridian Bank, a community bank operating in Pennsylvania, New Jersey, Delaware, and Maryland, offers a comprehensive range of financial services including business lending, real estate lending, and wealth management through its 17 offices.