Meridian Bank (MRBK)
NASDAQ:MRBK
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Meridian Bank
(NASDAQ:MRBK)
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Rating:58Neutral
Price Target:
$21.50
â–²(4.93% Upside)
Action:DowngradedDate:03/14/26
The score is anchored by a stable-but-mixed financial profile (improving leverage and revenue/profit rebound, offset by meaningful margin compression and volatile cash flow). Valuation is supportive with a low P/E and a moderate dividend yield, but weak technical momentum keeps the overall score in the mid-range.
Positive Factors
Loan and Revenue Growth
Sustained 10.7% year‑over‑year growth in core commercial, industrial and real estate loans, alongside rising assets to $2.6B, indicates durable organic loan origination capacity. This strengthens net interest income potential and funds steady revenue expansion over coming quarters.
Negative Factors
Margin Compression
Significant margin contraction versus earlier cycles implies weaker earnings power per dollar of revenue. Sustained margin pressure constrains return on equity, limits reinvestment, and leaves less buffer for credit costs or funding shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Loan and Revenue Growth
Sustained 10.7% year‑over‑year growth in core commercial, industrial and real estate loans, alongside rising assets to $2.6B, indicates durable organic loan origination capacity. This strengthens net interest income potential and funds steady revenue expansion over coming quarters.
Read all positive factors
Meridian Bank (MRBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$242.85M
Dividend Yield2.87%
Average Volume (3M)51.23K
Price to Earnings (P/E)9.1
Beta (1Y)1.02
Revenue Growth9.77%
EPS Growth76.75%
CountryUS
Employees322
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.61
Shares Outstanding11,875,178
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 Cap1.69
Enterprise Value/Revenue2.00
Enterprise Value/Gross Profit3.68
Enterprise Value/Ebitda14.28
Forecast
1Y Price Target
$22.00Price Target Upside7.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.3
Revenue Forecast (FY)$137.34M
Meridian Bank Business Overview & Revenue Model
Company Description
Meridian Corporation operates as the holding company for Meridian Bank that provides commercial banking products and services in Pennsylvania, New Jersey, Delaware, and Maryland. The company offers various deposit products, such as demand non-inte...
How the Company Makes Money
Meridian Bank primarily makes money through (1) net interest income and (2) non-interest income. Net interest income is earned from the spread between interest collected on earning assets (most importantly loans, and also securities and other inte...
Meridian Bank Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
66
Positive
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 205.49M | 197.37M | 168.55M | 130.44M | 159.51M |
| Gross Profit | 111.71M | 100.94M | 94.09M | 109.36M | 150.03M |
| EBITDA | 28.40M | 24.09M | 19.44M | 29.00M | 41.49M |
| Net Income | 21.84M | 16.35M | 13.24M | 21.83M | 35.59M |
Balance Sheet | |||||
| Total Assets | 2.56B | 2.39B | 2.25B | 2.06B | 1.71B |
| Cash, Cash Equivalents and Short-Term Investments | 203.81M | 105.67M | 202.72M | 173.74M | 182.78M |
| Total Debt | 177.92M | 174.21M | 191.73M | 162.43M | 81.85M |
| Total Liabilities | 2.36B | 2.21B | 2.09B | 1.91B | 1.55B |
| Stockholders Equity | 199.72M | 171.52M | 158.02M | 153.28M | 165.36M |
Cash Flow | |||||
| Free Cash Flow | 22.57M | 9.03M | 17.03M | 81.76M | 159.75M |
| Operating Cash Flow | 24.30M | 9.60M | 18.85M | 84.67M | 165.12M |
| Investing Cash Flow | -163.90M | -165.00M | -164.19M | -393.15M | -140.51M |
| Financing Cash Flow | 147.92M | 126.16M | 163.64M | 323.39M | -37.87M |
Meridian Bank Technical Analysis
Positive
20.49
Price Trends
19.54
Positive
18.31
Positive
16.46
Positive
Market Momentum
0.36
Negative
71.56
Negative
86.73
Negative
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 20.49 is above the 20-day moving average (MA) of 19.33, above the 50-day MA of 19.54, and above the 200-day MA of 16.46, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 71.56 is Negative, neither overbought nor oversold. The STOCH value of 86.73 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MRBK.
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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $228.29M | 12.41 | 13.46% | 2.58% | 4.52% | 3.47% | |
71 Outperform | $256.51M | 10.77 | 9.70% | 3.49% | 5.89% | 82.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $214.35M | 12.07 | 9.58% | 2.27% | 10.35% | 22.05% | |
64 Neutral | $184.25M | 35.81 | 3.23% | 2.90% | -1.39% | -88.66% | |
58 Neutral | $242.85M | 9.12 | 11.39% | 2.87% | 9.77% | 76.75% |
* Financial Sector Average
MRBK
Meridian Bank
20.49
7.67
59.89%
ATLO
Ames National
28.78
12.72
79.15%
OVBC
Ohio Valley Banc
45.61
14.54
46.79%
PEBK
Peoples Bancorp Of North Carolina
41.93
16.78
66.74%
CBFV
CB Financial Services
36.23
8.94
32.77%
Meridian Bank Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Meridian Bank boosts dividend on strong 2025 results
Positive
Jan 29, 2026
On January 29, 2026, Meridian Corporation reported fourth-quarter 2025 net income of $7.2 million, or $0.61 per diluted share, reflecting an 8% increase from the prior quarter and contributing to full-year 2025 earnings of $21.8 million, up 33.6% ...
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.