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Meridian Bank
(NASDAQ:MRBK)
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Rating:67Neutral
Price Target:
$22.00
â–²(10.00% Upside)
Action:Reiterated
Date:07/31/26
The score is driven primarily by solid financial performance (improving profitability and ROE with reduced leverage) but held back by weak/volatile cash flow. Valuation is a clear positive with a low P/E and a modest dividend. Technically, the stock is trending above major moving averages, while corporate updates add strategic positives but also highlight heightened non-performing loan risk.
Positive Factors
Improved Profitability and ROE
A sustained rise to ~12.6% TTM ROE and recovering margins indicate stronger earnings power and more efficient capital use. Over 2–6 months this supports dividend capacity, builds loss-absorbing buffers, and improves the bank’s ability to fund growth without immediate capital injections.
Negative Factors
Spike in Non-Performing Loans
Concentration of NPLs in three real estate relationships raises credit risk and could require significant workout resources or additional provisions. If these exposures deteriorate further, they can erode capital, compress net income, and constrain lending for several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Profitability and ROE
A sustained rise to ~12.6% TTM ROE and recovering margins indicate stronger earnings power and more efficient capital use. Over 2–6 months this supports dividend capacity, builds loss-absorbing buffers, and improves the bank’s ability to fund growth without immediate capital injections.
Read all positive factors
Meridian Bank (MRBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$233.53M
Dividend Yield2.7%
Average Volume (3M)51.23K
Price to Earnings (P/E)9.4
Beta (1Y)0.83
Revenue Growth1.12%
EPS Growth13.95%
CountryUS
Employees327
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.11
Shares Outstanding11,890,278
10 Day Avg. Volume46,276
30 Day Avg. Volume51,225
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.00
Price to Sales (P/S)0.97
P/FCF Ratio8.82
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.85
Revenue Forecast (FY)$134.00M
Meridian Bank Business Overview & Revenue Model
Company Description
Meridian Corporation functions as the parent company for Meridian Bank, which provides a comprehensive range of commercial banking products and services throughout Pennsylvania, New Jersey, Delaware, and Maryland. The bank's deposit offerings incl...
How the Company Makes Money
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Meridian Bank Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 206.75M | 205.49M | 197.37M | 168.55M | 130.44M | 159.51M |
| Gross Profit | 120.06M | 111.71M | 100.94M | 94.09M | 109.36M | 150.03M |
| EBITDA | 30.30M | 28.40M | 24.09M | 19.44M | 29.00M | 41.49M |
| Net Income | 24.15M | 21.84M | 16.35M | 13.24M | 21.83M | 35.59M |
Balance Sheet | ||||||
| Total Assets | 2.58B | 2.56B | 2.39B | 2.25B | 2.06B | 1.71B |
| Cash, Cash Equivalents and Short-Term Investments | 28.27M | 132.87M | 105.67M | 202.72M | 173.74M | 182.78M |
| Total Debt | 170.51M | 167.19M | 174.21M | 191.73M | 162.43M | 81.85M |
| Total Liabilities | 2.38B | 2.36B | 2.21B | 2.09B | 1.91B | 1.55B |
| Stockholders Equity | 202.93M | 199.72M | 171.52M | 158.02M | 153.28M | 165.36M |
Cash Flow | ||||||
| Free Cash Flow | 7.34M | 22.57M | 9.03M | 17.03M | 81.76M | 159.75M |
| Operating Cash Flow | 9.04M | 24.30M | 9.60M | 18.85M | 84.67M | 165.12M |
| Investing Cash Flow | -136.52M | -163.90M | -165.00M | -164.19M | -393.15M | -140.51M |
| Financing Cash Flow | 24.52M | 147.92M | 126.16M | 163.64M | 323.39M | -37.87M |
Meridian Bank Risk Analysis
Meridian Bank disclosed 40 risk factors in its most recent earnings report. Meridian Bank reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Meridian Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $234.84M | 12.95 | 12.75% | 2.30% | 2.52% | 16.48% | |
70 Outperform | $270.94M | 11.86 | 11.08% | 3.49% | 7.03% | 69.03% | |
69 Neutral | $198.14M | 13.97 | 9.29% | 2.28% | 5.77% | 2.59% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $233.53M | 9.35 | 12.25% | 2.67% | 1.12% | 13.95% | |
64 Neutral | $185.81M | 25.62 | 4.57% | 3.01% | -9.31% | -37.86% |
* Financial Sector Average
MRBK
Meridian Bank
19.73
6.00
43.70%
ATLO
Ames National
31.43
13.57
75.97%
OVBC
Ohio Valley Banc
43.73
10.27
30.71%
PEBK
Peoples Bancorp Of North Carolina
43.04
15.85
58.32%
CBFV
CB Financial Services
37.26
7.42
24.88%
Meridian Bank Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Meridian Bank Declares Dividend, Expands Payments Capabilities
Positive
Jul 30, 2026
For the quarter ended June 30, 2026, Meridian Corporation reported net income of $5.8 million, or $0.48 per diluted share, up sharply from $2.0 million in the prior quarter, as a lower provision and steady net interest margin of 3.69% supported a ...
Business Operations and StrategyExecutive/Board Changes
Meridian Bank Appoints New Leader for Credit Oversight
Neutral
Jul 23, 2026
On July 21, 2026, Meridian Bank’s Senior Vice President and Chief Credit Officer, Andy Fox, departed the company to pursue other opportunities. The Chief Credit Officer responsibilities have been reassigned to Geoff Sheehan, Senior Vice Pres...
Executive/Board ChangesShareholder Meetings
Meridian Bank Shareholders Reelect Directors and Approve Governance Measures
Positive
May 29, 2026
Meridian Bank’s parent corporation held its Annual Meeting of Shareholders on May 28, 2026, where investors elected three Class C directors – Christopher J. Annas, Edward J. Hollin, and Anthony M. Imbesi – to three-year terms exp...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.