MERIDIAN CORP(NASDAQ:MRBK) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, MRBK scores 4 out of 10 in our fundamental rating. MRBK was compared to 396 industry peers in the Banks industry. MRBK has a bad profitability rating. Also its financial health evaluation is rather negative. MRBK has a correct valuation and a medium growth rate.

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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.

Each year in the past 5 years MRBK has been profitable.

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

1.2 Ratios

The Return On Assets of MRBK (0.69%) is worse than 61.62% of its industry peers.

The Return On Equity of MRBK (9.53%) is better than 63.13% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.69%
ROE	9.53%
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

MRBK's Profit Margin of 14.55% is on the low side compared to the rest of the industry. MRBK is outperformed by 76.77% 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)	14.55%
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.

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.

MRBK has a better debt/assets ratio than last year.

2.2 Solvency

MRBK has a debt to FCF ratio of 19.29. This is a negative value and a sign of low solvency as MRBK would need 19.29 years to pay back of all of its debts.

The Debt to FCF ratio of MRBK (19.29) is worse than 82.32% of its industry peers.

A Debt/Equity ratio of 1.02 is on the high side and indicates that MRBK has dependencies on debt financing.

The Debt to Equity ratio of MRBK (1.02) is worse than 86.11% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.02
Debt/FCF	19.29
Altman-Z	N/A

ROIC/WACCN/A

WACC23.82%

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 9.52%, which is quite good.

The Earnings Per Share has been decreasing by -6.10% on average over the past years.

The Revenue has grown by 11.33% in the past year. This is quite good.

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)9.52%

EPS 3Y-38.52%

EPS 5Y-6.1%

EPS Q2Q%-16.67%

Revenue 1Y (TTM)11.33%

Revenue growth 3Y-9.41%

Revenue growth 5Y10.11%

Sales Q2Q%10.19%

3.2 Future

The Earnings Per Share is expected to grow by 34.80% 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 11.04% yearly.

EPS Next Y30.71%

EPS Next 2Y34.8%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year11.51%

Revenue Next 2Y11.04%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

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

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

The Price/Earnings ratio is 12.23, which indicates a correct valuation of MRBK.

MRBK's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 26.70, MRBK is valued rather cheaply.

MRBK is valuated cheaply with a Price/Forward Earnings ratio of 6.51.

92.17% of the companies in the same industry are more expensive than MRBK, based on the Price/Forward Earnings ratio.

MRBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.49.

		Industry Rank	Sector Rank
PE	12.23
Fwd PE	6.51

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MRBK is valued a bit more expensive than the industry average as 69.44% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	17.59
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.

A more expensive valuation may be justified as MRBK's earnings are expected to grow with 34.80% in the coming years.

PEG (NY)0.4

PEG (5Y)N/A

EPS Next 2Y34.8%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

MRBK has a Yearly Dividend Yield of 3.47%.

MRBK's Dividend Yield is a higher than the industry average which is at 3.34.

Compared to an average S&P500 Dividend Yield of 2.36, MRBK pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.47%

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

MRBK pays out 34.27% of its income as dividend. This is a sustainable payout ratio.

DP34.27%

EPS Next 2Y34.8%

EPS Next 3YN/A

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MERIDIAN CORP

NASDAQ:MRBK (5/19/2025, 8:00:02 PM)

After market: 14.07 0 (0%)

14.07

-0.08 (-0.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-25 2025-04-25/dmh

Earnings (Next)07-24 2025-07-24

Inst Owners61.6%

Inst Owner Change0.96%

Ins Owners9.63%

Ins Owner Change0.98%

Market Cap158.85M

Analysts80

Price Target17.34 (23.24%)

Short Float %0.49%

Short Ratio0.72

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.47%

Yearly Dividend0.5

Dividend Growth(5Y)N/A

DP34.27%

Div Incr Years0

Div Non Decr Years1

Ex-Date05-12 2025-05-12 (0.125)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-7.52%

Min EPS beat(2)-32.69%

Max EPS beat(2)17.65%

EPS beat(4)1

Avg EPS beat(4)-5.99%

Min EPS beat(4)-32.69%

Max EPS beat(4)17.65%

EPS beat(8)3

Avg EPS beat(8)-13.43%

EPS beat(12)5

Avg EPS beat(12)-8.8%

EPS beat(16)9

Avg EPS beat(16)0.51%

Revenue beat(2)2

Avg Revenue beat(2)5.63%

Min Revenue beat(2)3.87%

Max Revenue beat(2)7.39%

Revenue beat(4)3

Avg Revenue beat(4)2.84%

Min Revenue beat(4)-0.35%

Max Revenue beat(4)7.39%

Revenue beat(8)4

Avg Revenue beat(8)-0.77%

Revenue beat(12)4

Avg Revenue beat(12)-2.53%

Revenue beat(16)8

Avg Revenue beat(16)0.89%

PT rev (1m)-5.56%

PT rev (3m)-5.56%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-11.34%

EPS NY rev (3m)-11.34%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-1.44%

Revenue NY rev (3m)-1.44%

Valuation

		Industry Rank	Sector Rank
PE	12.23
Fwd PE	6.51
P/S	1.41
P/FCF	17.59
P/OCF	16.55
P/B	0.93
P/tB	0.97
EV/EBITDA	N/A

EPS(TTM)1.15

EY8.17%

EPS(NY)2.16

Fwd EY15.37%

FCF(TTM)0.8

FCFY5.68%

OCF(TTM)0.85

OCFY6.04%

SpS9.95

BVpS15.19

TBVpS14.48

PEG (NY)0.4

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.69%
ROE	9.53%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.55%
GM	N/A
FCFM	8.04%

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-Score7

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.02
Debt/FCF	19.29
Debt/EBITDA	N/A
Cap/Depr	24.71%
Cap/Sales	0.51%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	55.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC23.82%

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)9.52%

EPS 3Y-38.52%

EPS 5Y-6.1%

EPS Q2Q%-16.67%

EPS Next Y30.71%

EPS Next 2Y34.8%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)11.33%

Revenue growth 3Y-9.41%

Revenue growth 5Y10.11%

Sales Q2Q%10.19%

Revenue Next Year11.51%

Revenue Next 2Y11.04%

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-46.98%

FCF growth 3Y-61.62%

FCF growth 5Y-15.45%

OCF growth 1Y-49.1%

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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens