MRBK Fundamental Analysis - MERIDIAN CORP

Fundamental Rating

Taking everything into account, MRBK scores 4 out of 10 in our fundamental rating. MRBK was compared to 392 industry peers in the Banks industry. MRBK may be in some trouble as it scores bad on both profitability and health. An interesting combination arises when we look at growth and value: MRBK is growing strongly while it also seems undervalued.

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1. Profitability

1.1 Basic Checks

MRBK had positive earnings in the past year.

In the past year MRBK had a positive cash flow from operations.

In the past 5 years MRBK has always been profitable.

MRBK had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

MRBK's Return On Assets of 0.73% is in line compared to the rest of the industry. MRBK outperforms 41.07% of its industry peers.

The Return On Equity of MRBK (10.30%) is better than 69.39% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.73%
ROE	10.3%
ROIC	N/A

ROA(3y)0.78%

ROA(5y)1.19%

ROE(3y)10.71%

ROE(5y)14.46%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of MRBK (15.13%) is worse than 74.23% of its industry peers.

MRBK's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for MRBK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	15.13%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-14.84%

PM growth 5Y-0.78%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

MRBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

MRBK has more shares outstanding than it did 1 year ago.

MRBK has less shares outstanding than it did 5 years ago.

The debt/assets ratio for MRBK has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of MRBK is 5.09, which is a neutral value as it means it would take MRBK, 5.09 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 5.09, MRBK is not doing good in the industry: 68.11% of the companies in the same industry are doing better.

MRBK has a Debt/Equity ratio of 1.06. This is a high value indicating a heavy dependency on external financing.

MRBK's Debt to Equity ratio of 1.06 is on the low side compared to the rest of the industry. MRBK is outperformed by 84.69% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.06
Debt/FCF	5.09
Altman-Z	N/A

ROIC/WACCN/A

WACC23.02%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

MRBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.30%, which is quite impressive.

Measured over the past years, MRBK shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.10% on average per year.

Looking at the last year, MRBK shows a quite strong growth in Revenue. The Revenue has grown by 19.94% in the last year.

Measured over the past years, MRBK shows a quite strong growth in Revenue. The Revenue has been growing by 10.11% on average per year.

EPS 1Y (TTM)38.3%

EPS 3Y-38.52%

EPS 5Y-6.1%

EPS Q2Q%50%

Revenue 1Y (TTM)19.94%

Revenue growth 3Y-9.41%

Revenue growth 5Y10.11%

Sales Q2Q%24.37%

3.2 Future

MRBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 40.47% yearly.

Based on estimates for the next years, MRBK will show a quite strong growth in Revenue. The Revenue will grow by 11.90% on average per year.

EPS Next Y41.43%

EPS Next 2Y40.47%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.86%

Revenue Next 2Y11.9%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

MRBK is valuated correctly with a Price/Earnings ratio of 12.21.

The rest of the industry has a similar Price/Earnings ratio as MRBK.

The average S&P500 Price/Earnings ratio is at 27.41. MRBK is valued rather cheaply when compared to this.

MRBK is valuated cheaply with a Price/Forward Earnings ratio of 6.76.

Based on the Price/Forward Earnings ratio, MRBK is valued cheaper than 91.84% of the companies in the same industry.

MRBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.

		Industry Rank	Sector Rank
PE	12.21
Fwd PE	6.76

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MRBK is valued cheaply inside the industry as 92.35% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	4.84
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

MRBK's earnings are expected to grow with 40.47% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.29

PEG (5Y)N/A

EPS Next 2Y40.47%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.10%, MRBK has a reasonable but not impressive dividend return.

MRBK's Dividend Yield is comparable with the industry average which is at 3.47.

Compared to an average S&P500 Dividend Yield of 2.38, MRBK pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.1%

5.2 History

MRBK has been paying a dividend for over 5 years, so it has already some track record.

MRBK has decreased its dividend recently.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

30.67% of the earnings are spent on dividend by MRBK. This is a low number and sustainable payout ratio.

DP30.67%

EPS Next 2Y40.47%

EPS Next 3YN/A

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MERIDIAN CORP

NASDAQ:MRBK (9/22/2025, 4:30:01 PM)

After market: 15.87 0 (0%)

15.87

-0.1 (-0.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22

Inst Owners60.23%

Inst Owner Change3.86%

Ins Owners9.86%

Ins Owner Change1.44%

Market Cap179.33M

Analysts82.86

Price Target19.38 (22.12%)

Short Float %2.02%

Short Ratio2.72

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.1%

Yearly Dividend0.5

Dividend Growth(5Y)N/A

DP30.67%

Div Incr Years0

Div Non Decr Years1

Ex-Date08-11 2025-08-11 (0.125)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-17.31%

Min EPS beat(2)-39.67%

Max EPS beat(2)5.04%

EPS beat(4)2

Avg EPS beat(4)-12.42%

Min EPS beat(4)-39.67%

Max EPS beat(4)17.65%

EPS beat(8)2

Avg EPS beat(8)-18.77%

EPS beat(12)5

Avg EPS beat(12)-11.86%

EPS beat(16)8

Avg EPS beat(16)-5.24%

Revenue beat(2)1

Avg Revenue beat(2)0.23%

Min Revenue beat(2)-4.86%

Max Revenue beat(2)5.32%

Revenue beat(4)3

Avg Revenue beat(4)2.93%

Min Revenue beat(4)-4.86%

Max Revenue beat(4)7.39%

Revenue beat(8)5

Avg Revenue beat(8)0.61%

Revenue beat(12)5

Avg Revenue beat(12)-1.29%

Revenue beat(16)7

Avg Revenue beat(16)-1.54%

PT rev (1m)0%

PT rev (3m)11.76%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.67%

EPS NY rev (1m)0%

EPS NY rev (3m)8.2%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.21%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.9%

Valuation

		Industry Rank	Sector Rank
PE	12.21
Fwd PE	6.76
P/S	1.48
P/FCF	4.84
P/OCF	4.9
P/B	1.01
P/tB	1.05
EV/EBITDA	N/A

EPS(TTM)1.3

EY8.19%

EPS(NY)2.35

Fwd EY14.8%

FCF(TTM)3.28

FCFY20.68%

OCF(TTM)3.24

OCFY20.4%

SpS10.73

BVpS15.75

TBVpS15.11

PEG (NY)0.29

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.73%
ROE	10.3%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	15.13%
GM	N/A
FCFM	30.6%

ROA(3y)0.78%

ROA(5y)1.19%

ROE(3y)10.71%

ROE(5y)14.46%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-14.84%

PM growth 5Y-0.78%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.06
Debt/FCF	5.09
Debt/EBITDA	N/A
Cap/Depr	66.67%
Cap/Sales	0.42%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	202.29%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC23.02%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.64%

Cap/Sales(5y)1.8%

Profit Quality(3y)186.36%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)38.3%

EPS 3Y-38.52%

EPS 5Y-6.1%

EPS Q2Q%50%

EPS Next Y41.43%

EPS Next 2Y40.47%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)19.94%

Revenue growth 3Y-9.41%

Revenue growth 5Y10.11%

Sales Q2Q%24.37%

Revenue Next Year15.86%

Revenue Next 2Y11.9%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y5.97%

FCF growth 3Y-61.62%

FCF growth 5Y-15.45%

OCF growth 1Y-2.44%

OCF growth 3Y-61.26%

OCF growth 5Y-14.98%

MERIDIAN CORP (MRBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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