Meridian Bank (MRBK)
NASDAQ:MRBK
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Meridian Bank
(NASDAQ:MRBK)
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Rating:64Neutral
Price Target:
$19.00
â–¼(-7.27% Downside)
Action:Reiterated
Date:05/30/26
The score is driven primarily by improving financial performance (stronger revenue/margins and solid ROE) but held back by weak and volatile cash flow. Valuation supports the score with a low P/E and ~3% yield, while technicals are currently mixed with negative MACD and price below key moving averages.
Positive Factors
Strong revenue growth & improving margins
Sustained top-line expansion (TTM revenue +~61%) alongside rising operating and net margins indicates durable earnings power driven by higher net interest income and fee mix improvements. This strengthens the bank’s ability to fund growth, absorb losses, and support dividends over the medium term.
Negative Factors
Weak, volatile cash generation
A steep (~67%) TTM free cash flow decline and historically volatile cash conversion reduce financial resilience. Even though FCF still covered ~81% of net income, persistent cash volatility can constrain loan growth, capital returns and buffer capacity against credit or funding stress in coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth & improving margins
Sustained top-line expansion (TTM revenue +~61%) alongside rising operating and net margins indicates durable earnings power driven by higher net interest income and fee mix improvements. This strengthens the bank’s ability to fund growth, absorb losses, and support dividends over the medium term.
Read all positive factors
Meridian Bank (MRBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$224.61M
Dividend Yield2.87%
Average Volume (3M)51.23K
Price to Earnings (P/E)9.2
Beta (1Y)0.86
Revenue Growth4.29%
EPS Growth30.20%
CountryUS
Employees322
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 Cap1.59
Enterprise Value/Revenue1.72
Enterprise Value/Gross Profit2.97
Enterprise Value/Ebitda11.35
Forecast
1Y Price Target
$21.00Price Target Upside2.49% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.2
Revenue Forecast (FY)$137.44M
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
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 | 31.37M | 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 Technical Analysis
Positive
20.49
Price Trends
18.66
Positive
18.84
Positive
17.15
Positive
Market Momentum
-0.03
Negative
62.01
Neutral
86.83
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 17.74, above the 50-day MA of 18.66, and above the 200-day MA of 17.15, indicating a bullish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 62.01 is Neutral, neither overbought nor oversold. The STOCH value of 86.83 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $226.83M | 14.64 | 9.29% | 2.27% | 6.08% | 23.01% | |
75 Outperform | $235.28M | 11.48 | 13.07% | 2.58% | 3.06% | 18.08% | |
70 Outperform | $264.03M | 12.35 | 10.65% | 3.49% | 6.16% | 91.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $173.13M | 25.14 | 4.45% | 2.90% | -11.93% | -32.54% | |
64 Neutral | $224.61M | 9.24 | 12.57% | 2.87% | 4.29% | 30.20% |
* Financial Sector Average
MRBK
Meridian Bank
18.89
6.37
50.89%
ATLO
Ames National
29.81
12.58
73.00%
OVBC
Ohio Valley Banc
48.15
17.70
58.10%
PEBK
Peoples Bancorp Of North Carolina
43.08
15.84
58.13%
CBFV
CB Financial Services
34.13
6.66
24.23%
Meridian Bank Corporate Events
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...
Business Operations and StrategyExecutive/Board Changes
Meridian Bank Appoints Ken Warriner to Board of Directors
Positive
Apr 27, 2026
On April 27, 2026, Meridian Corporation announced that Ken Warriner was appointed to an open seat on the boards of both Meridian Corporation and its principal subsidiary, Meridian Bank, effective immediately. The move adds a director with extensiv...
Executive/Board Changes
Meridian Bank Announces Retirement of Longtime Board Member
Neutral
Apr 23, 2026
On April 23, 2026, Meridian Bank announced that George Collier will retire from its Board of Directors, effective April 30, 2026, ending a 21-year tenure that began with his role as a founding board member and initial investor. Collier, who also s...
DividendsFinancial Disclosures
Meridian Bank Reports Mixed First-Quarter 2026 Financial Results
Neutral
Apr 23, 2026
Meridian Corporation reported first-quarter 2026 net income of $4.7 million, or $0.39 per diluted share, issued on April 23, 2026, down 34% from the prior quarter but nearly double the $2.4 million earned a year earlier. Pre-provision net revenue ...
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.