18.93 USD
-0.01 (-0.05%)
At close: Jan 30, 2026
18.93 USD
0 (0%)
After Hours: 1/30/2026, 8:07:15 PM
Overall MRBK gets a fundamental rating of 4 out of 10. We evaluated MRBK against 383 industry peers in the Banks industry. MRBK has a bad profitability rating. Also its financial health evaluation is rather negative. MRBK has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
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
- Looking at the Return On Assets, with a value of 0.80%, MRBK is in line with its industry, outperforming 41.25% of the companies in the same industry.
- MRBK has a better Return On Equity (10.77%) than 72.06% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With a Profit Margin value of 16.18%, MRBK is not doing good in the industry: 73.89% of the companies in the same industry are doing better.
- MRBK's Profit Margin has been stable in the last couple of years.
- MRBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
- The number of shares outstanding for MRBK has been reduced compared to 5 years ago.
- MRBK has a better debt/assets ratio than last year.
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 74.93% of the companies in the same industry.
- MRBK has a Debt/Equity ratio of 0.99. This is a neutral value indicating MRBK is somewhat dependend on debt financing.
- The Debt to Equity ratio of MRBK (0.99) is worse than 83.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 6.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MRBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.55%, which is quite impressive.
- MRBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.86% yearly.
- The Revenue has grown by 19.44% in the past year. This is quite good.
- 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)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
- Based on estimates for the next years, MRBK will show a very strong growth in Earnings Per Share. The EPS will grow by 29.74% on average per year.
- The Revenue is expected to grow by 10.04% on average over the next years. This is quite good.
EPS Next Y52.96%
EPS Next 2Y39.67%
EPS Next 3Y29.74%
EPS Next 5YN/A
Revenue Next Year17.1%
Revenue Next 2Y12.35%
Revenue Next 3Y10.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.97, MRBK is valued correctly.
- MRBK's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 28.32. MRBK is valued rather cheaply when compared to this.
- MRBK is valuated reasonably with a Price/Forward Earnings ratio of 8.15.
- Based on the Price/Forward Earnings ratio, MRBK is valued cheaper than 89.03% of the companies in the same industry.
- MRBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.97 | ||
| Fwd PE | 8.15 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, MRBK is valued cheaper than 82.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.76 | ||
| 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 29.74% in the coming years.
PEG (NY)0.24
PEG (5Y)1.65
EPS Next 2Y39.67%
EPS Next 3Y29.74%
5. Dividend
5.1 Amount
- MRBK has a Yearly Dividend Yield of 2.64%.
- MRBK's Dividend Yield is comparable with the industry average which is at 2.67.
- Compared to an average S&P500 Dividend Yield of 1.83, MRBK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
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
- 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%
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 12.97 and the Price/Book (PB) ratio is 1.16.
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.