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MERIDIAN CORP (MRBK) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:MRBK - US58958P1049 - Common Stock

17.845 USD
+0.27 (+1.51%)
Last: 1/2/2026, 9:30:40 AM
Fundamental Rating

4

MRBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. MRBK has a bad profitability rating. Also its financial health evaluation is rather negative. MRBK is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

MRBK had positive earnings in the past year.
MRBK had a positive operating cash flow in the past year.
MRBK had positive earnings in each of the past 5 years.
MRBK had a positive operating cash flow in 4 of the past 5 years.
MRBK Yearly Net Income VS EBIT VS OCF VS FCFMRBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

1.2 Ratios

The Return On Assets of MRBK (0.80%) is comparable to the rest of the industry.
With a decent Return On Equity value of 10.77%, MRBK is doing good in the industry, outperforming 72.68% of the companies in the same industry.
Industry RankSector Rank
ROA 0.8%
ROE 10.77%
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
MRBK Yearly ROA, ROE, ROICMRBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

With a Profit Margin value of 16.18%, MRBK is not doing good in the industry: 73.71% of the companies in the same industry are doing better.
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 RankSector Rank
OM N/A
PM (TTM) 16.18%
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
MRBK Yearly Profit, Operating, Gross MarginsMRBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

MRBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MRBK has been increased compared to 1 year ago.
MRBK has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MRBK has an improved debt to assets ratio.
MRBK Yearly Shares OutstandingMRBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
MRBK Yearly Total Debt VS Total AssetsMRBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of MRBK is 6.66, which is on the high side as it means it would take MRBK, 6.66 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.66, MRBK is doing worse than 75.26% of the companies in the same industry.
A Debt/Equity ratio of 0.99 indicates that MRBK is somewhat dependend on debt financing.
The Debt to Equity ratio of MRBK (0.99) is worse than 84.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF 6.66
Altman-Z N/A
ROIC/WACCN/A
WACC21.96%
MRBK Yearly LT Debt VS Equity VS FCFMRBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MRBK Yearly Current Assets VS Current LiabilitesMRBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 44.55% over the past year.
MRBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.86% yearly.
Looking at the last year, MRBK shows a quite strong growth in Revenue. The Revenue has grown by 19.44% in the last year.
MRBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.11% yearly.
EPS 1Y (TTM)44.55%
EPS 3Y-25.43%
EPS 5Y7.86%
EPS Q2Q%38.1%
Revenue 1Y (TTM)19.44%
Revenue growth 3Y-9.41%
Revenue growth 5Y10.11%
Sales Q2Q%13.74%

3.2 Future

The Earnings Per Share is expected to grow by 29.74% on average over the next years. This is a very strong growth
MRBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.09% yearly.
EPS Next Y52.96%
EPS Next 2Y39.67%
EPS Next 3Y29.74%
EPS Next 5YN/A
Revenue Next Year17.44%
Revenue Next 2Y13.09%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MRBK Yearly Revenue VS EstimatesMRBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
MRBK Yearly EPS VS EstimatesMRBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.22, MRBK is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of MRBK is on the same level as its industry peers.
MRBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
With a Price/Forward Earnings ratio of 7.69, the valuation of MRBK can be described as very cheap.
Based on the Price/Forward Earnings ratio, MRBK is valued cheaper than 90.72% 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 23.13.
Industry RankSector Rank
PE 12.22
Fwd PE 7.69
MRBK Price Earnings VS Forward Price EarningsMRBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

MRBK's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MRBK is cheaper than 83.25% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.32
EV/EBITDA N/A
MRBK Per share dataMRBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 29.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)1.55
EPS Next 2Y39.67%
EPS Next 3Y29.74%

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4

5. Dividend

5.1 Amount

MRBK has a Yearly Dividend Yield of 2.84%.
MRBK's Dividend Yield is comparable with the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, MRBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.84%

5.2 History

MRBK has been paying a dividend for over 5 years, so it has already some track record.
The dividend of MRBK decreased recently.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
MRBK Yearly Dividends per shareMRBK Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

27.85% of the earnings are spent on dividend by MRBK. This is a low number and sustainable payout ratio.
DP27.85%
EPS Next 2Y39.67%
EPS Next 3Y29.74%
MRBK Yearly Income VS Free CF VS DividendMRBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M
MRBK Dividend Payout.MRBK Dividend Payout, showing the Payout Ratio.MRBK Dividend Payout.PayoutRetained Earnings

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MERIDIAN CORP

NASDAQ:MRBK (1/2/2026, 9:30:40 AM)

17.845

+0.27 (+1.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/dmh
Earnings (Next)01-22 2026-01-22
Inst Owners64.7%
Inst Owner Change6.24%
Ins Owners9.82%
Ins Owner Change1.24%
Market Cap205.57M
Revenue(TTM)125.19M
Net Income(TTM)20.25M
Analysts82.86
Price Target20.4 (14.32%)
Short Float %1.16%
Short Ratio1.47
Dividend
Industry RankSector Rank
Dividend Yield 2.84%
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP27.85%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.84%
Min EPS beat(2)5.04%
Max EPS beat(2)14.64%
EPS beat(4)2
Avg EPS beat(4)-13.17%
Min EPS beat(4)-39.67%
Max EPS beat(4)14.64%
EPS beat(8)3
Avg EPS beat(8)-15.83%
EPS beat(12)5
Avg EPS beat(12)-11.99%
EPS beat(16)8
Avg EPS beat(16)-6.27%
Revenue beat(2)2
Avg Revenue beat(2)3.51%
Min Revenue beat(2)1.71%
Max Revenue beat(2)5.32%
Revenue beat(4)3
Avg Revenue beat(4)1.51%
Min Revenue beat(4)-4.86%
Max Revenue beat(4)5.32%
Revenue beat(8)6
Avg Revenue beat(8)1.74%
Revenue beat(12)6
Avg Revenue beat(12)-0.89%
Revenue beat(16)7
Avg Revenue beat(16)-1.73%
PT rev (1m)0%
PT rev (3m)5.26%
EPS NQ rev (1m)2.26%
EPS NQ rev (3m)2.26%
EPS NY rev (1m)3.39%
EPS NY rev (3m)8.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.36%
Valuation
Industry RankSector Rank
PE 12.22
Fwd PE 7.69
P/S 1.64
P/FCF 7.32
P/OCF 6.9
P/B 1.09
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)1.46
EY8.18%
EPS(NY)2.32
Fwd EY13.01%
FCF(TTM)2.44
FCFY13.66%
OCF(TTM)2.58
OCFY14.48%
SpS10.87
BVpS16.32
TBVpS15.68
PEG (NY)0.23
PEG (5Y)1.55
Graham Number23.16
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 10.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.18%
GM N/A
FCFM 22.44%
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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector Rank
Debt/Equity 0.99
Debt/FCF 6.66
Debt/EBITDA N/A
Cap/Depr 113.86%
Cap/Sales 1.35%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 138.7%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC21.96%
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)44.55%
EPS 3Y-25.43%
EPS 5Y7.86%
EPS Q2Q%38.1%
EPS Next Y52.96%
EPS Next 2Y39.67%
EPS Next 3Y29.74%
EPS Next 5YN/A
Revenue 1Y (TTM)19.44%
Revenue growth 3Y-9.41%
Revenue growth 5Y10.11%
Sales Q2Q%13.74%
Revenue Next Year17.44%
Revenue Next 2Y13.09%
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 1Y-6.37%
FCF growth 3Y-61.62%
FCF growth 5Y-15.45%
OCF growth 1Y-6.96%
OCF growth 3Y-61.26%
OCF growth 5Y-14.98%

MERIDIAN CORP / MRBK FAQ

What is the fundamental rating for MRBK stock?

ChartMill assigns a fundamental rating of 4 / 10 to MRBK.


What is the valuation status of MERIDIAN CORP (MRBK) stock?

ChartMill assigns a valuation rating of 7 / 10 to MERIDIAN CORP (MRBK). This can be considered as Undervalued.


Can you provide the profitability details for MERIDIAN CORP?

MERIDIAN CORP (MRBK) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for MRBK stock?

The Price/Earnings (PE) ratio for MERIDIAN CORP (MRBK) is 12.22 and the Price/Book (PB) ratio is 1.09.


Can you provide the expected EPS growth for MRBK stock?

The Earnings per Share (EPS) of MERIDIAN CORP (MRBK) is expected to grow by 52.96% in the next year.