MERIDIAN CORP (MRBK) Fundamental Analysis & Valuation

NASDAQ:MRBK • US58958P1049

Current stock price

19.01 USD
+0.11 (+0.58%)
At close:
19.01 USD
0 (0%)
After Hours:

This MRBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MRBK Profitability Analysis

1.1 Basic Checks

  • In the past year MRBK was profitable.
  • MRBK had a positive operating cash flow in the past year.
  • MRBK had positive earnings in each of the past 5 years.
  • Of the past 5 years MRBK 4 years had a positive operating cash flow.
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 2025 0 100M -100M

1.2 Ratios

  • With a Return On Assets value of 0.80%, MRBK is not doing good in the industry: 63.42% of the companies in the same industry are doing better.
  • MRBK has a Return On Equity of 10.77%. This is in the better half of the industry: MRBK outperforms 67.11% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 10.77%
ROIC N/A
ROA(3y)0.71%
ROA(5y)1.05%
ROE(3y)9.64%
ROE(5y)12.94%
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 2025 5 10 15 20

1.3 Margins

  • The Profit Margin of MRBK (16.18%) is worse than 78.42% of its industry peers.
  • MRBK's Profit Margin has declined 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 RankSector Rank
OM N/A
PM (TTM) 16.18%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.07%
PM growth 5Y-2.39%
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 2025 5 10 15 20

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1

2. MRBK Health Analysis

2.1 Basic Checks

  • MRBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, MRBK has more shares outstanding
  • The number of shares outstanding for MRBK has been reduced compared to 5 years ago.
  • The debt/assets ratio for MRBK has been reduced compared to a year ago.
MRBK Yearly Shares OutstandingMRBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B 2.5B

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.
  • MRBK has a worse Debt to FCF ratio (6.66) than 73.95% of its industry peers.
  • MRBK has a Debt/Equity ratio of 0.99. This is a neutral value indicating MRBK is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.99, MRBK is doing worse than 83.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF 6.66
Altman-Z N/A
ROIC/WACCN/A
WACC21.2%
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 2025 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 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. MRBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 54.71% over the past year.
  • The Earnings Per Share has been decreasing by -3.15% on average over the past years.
  • Looking at the last year, MRBK shows a quite strong growth in Revenue. The Revenue has grown by 12.93% in the last year.
  • Measured over the past years, MRBK shows a decrease in Revenue. The Revenue has been decreasing by -1.37% on average per year.
EPS 1Y (TTM)54.71%
EPS 3Y1.03%
EPS 5Y-3.15%
EPS Q2Q%165.65%
Revenue 1Y (TTM)12.93%
Revenue growth 3Y4.3%
Revenue growth 5Y-1.37%
Sales Q2Q%19.78%

3.2 Future

  • MRBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.24% yearly.
  • MRBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.94% yearly.
EPS Next Y27.21%
EPS Next 2Y21.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.73%
Revenue Next 2Y8.94%
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.
  • 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 2027 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. MRBK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.33, which indicates a very decent valuation of MRBK.
  • MRBK's Price/Earnings ratio is a bit cheaper when compared to the industry. MRBK is cheaper than 72.11% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MRBK to the average of the S&P500 Index (25.61), we can say MRBK is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.12, the valuation of MRBK can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, MRBK is valued cheaply inside the industry as 87.37% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.79, MRBK is valued rather cheaply.
Industry RankSector Rank
PE 10.33
Fwd PE 8.12
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MRBK indicates a rather cheap valuation: MRBK is cheaper than 81.84% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.04
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.
  • A more expensive valuation may be justified as MRBK's earnings are expected to grow with 21.24% in the coming years.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y21.24%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. MRBK Dividend Analysis

5.1 Amount

  • MRBK has a Yearly Dividend Yield of 2.98%.
  • Compared to an average industry Dividend Yield of 2.78, MRBK has a dividend in line with its industry peers.
  • MRBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.98%

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 2026 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 2Y21.24%
EPS Next 3YN/A
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 2025 0 100M -100M
MRBK Dividend Payout.MRBK Dividend Payout, showing the Payout Ratio.MRBK Dividend Payout.PayoutRetained Earnings

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MRBK Fundamentals: All Metrics, Ratios and Statistics

MERIDIAN CORP

NASDAQ:MRBK (3/25/2026, 8:00:02 PM)

After market: 19.01 0 (0%)

19.01

+0.11 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners63.77%
Inst Owner Change0.56%
Ins Owners9.56%
Ins Owner Change0%
Market Cap225.84M
Revenue(TTM)126.86M
Net Income(TTM)20.25M
Analysts82.5
Price Target22.44 (18.04%)
Short Float %1.11%
Short Ratio1.27
Dividend
Industry RankSector Rank
Dividend Yield 2.98%
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP27.85%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-09
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)4.76%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)0.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.79%
Revenue NY rev (1m)0.22%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE 10.33
Fwd PE 8.12
P/S 1.8
P/FCF 8.04
P/OCF 7.59
P/B 1.2
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)1.84
EY9.68%
EPS(NY)2.34
Fwd EY12.32%
FCF(TTM)2.36
FCFY12.44%
OCF(TTM)2.51
OCFY13.18%
SpS10.54
BVpS15.83
TBVpS15.21
PEG (NY)0.38
PEG (5Y)N/A
Graham Number25.6
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)0.71%
ROA(5y)1.05%
ROE(3y)9.64%
ROE(5y)12.94%
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-4.07%
PM growth 5Y-2.39%
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
WACC21.2%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)54.71%
EPS 3Y1.03%
EPS 5Y-3.15%
EPS Q2Q%165.65%
EPS Next Y27.21%
EPS Next 2Y21.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.93%
Revenue growth 3Y4.3%
Revenue growth 5Y-1.37%
Sales Q2Q%19.78%
Revenue Next Year9.73%
Revenue Next 2Y8.94%
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 1Y63.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y63.99%
OCF growth 3YN/A
OCF growth 5YN/A

MERIDIAN CORP / MRBK Fundamental Analysis FAQ

What is the fundamental rating for MRBK stock?

ChartMill assigns a fundamental rating of 3 / 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 2 / 10.


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

The Price/Earnings (PE) ratio for MERIDIAN CORP (MRBK) is 10.33 and the Price/Book (PB) ratio is 1.2.


Can you provide the expected EPS growth for MRBK stock?

The Earnings per Share (EPS) of MERIDIAN CORP (MRBK) is expected to grow by 27.21% in the next year.