Meridian Corporation MRBK R2K

Financial Services · Banks - Regional · United States

https://www.meridianbanker.com

Meridian Corporation operates as the bank holding company for Meridian Bank that provides commercial banking products and services in Pennsylvania, New Jersey, Delaware, Maryland, and Florida. It provides various deposit products, such as demand non-interest and interest bearing, savings, and money market accounts, as well as time deposits. The company also offers commercial and industrial loans, including business lines of credit, term loans, small business lending, lease financing, shared national credits, and other financing; commercial real estate, and land development and construction loans for residential and commercial projects; and consumer and home equity lending, private banking, merchant, and title insurance and land settlement services. In addition, it operates and originates mortgage loans for 1-4 family dwellings; and offers real estate holding, investment advisory, and equipment leasing services, as well as provides financial planning and wealth management services. The company was founded in 2004 and is headquartered in Malvern, Pennsylvania.

Market & Price

Market Cap

$213.79M

Current Price

$17.98

High / Low (52W)

$20.45 / $11.08

Beta

0.69

Valuation

Stock P/E

9.72

Industry PE

12.01

Forward P/E

7.05

PEG Ratio

1.58

Book Value

$16.86

Price to Book

1.07

P/S

1.90

EV/EBITDA

Dividend Yield

3.11%

Profitability & Returns

ROCE

ROE

11.47%

ROA

0.84%

Profit Margin

19.05%

Op Margin

11.38%

EPS (Latest Qtr)

$0.17

EPS (TTM)

$1.85

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$172.58M

Total Assets

$2.56B

Current Assets

Working Capital

Ownership

Promoter Holding

20.36%

Chg in Prom Hold

FII / Inst Holding

65.12%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$356.01M

Total Revenue (TTM)

$112.56M

EBITDA

Free Cash Flow

Operating Cash Flow

$9.04M

Shares Outstanding

11.89M

Gross Margin

0.00%

Payout Ratio

27.84%

Growth (CAGR)

Revenue 5Y

4.29%

Profit 5Y

0.01%

Revenue (YoY)

3.90%

Earnings (YoY)

-19.10%

PROS

Attractive dividend yield of 3.11%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	MRBK Meridian Corporation R2K	17.98	9.72	$213.79M	3.11%	-	11.47%	4.29%	0.01%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.11M	1.20M	1.24M	1.26M	1.32M	1.44M	-	27.10M	32.45M	33.07M	34.24M	30.24M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.39M	20.05M	19.99M	19.20M	17.51M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.15M	7.29M	8.67M	9.30M	2.59M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	746.00K	1.70M	2.01M	2.11M	582.00K
Net Income	1.40M	1.27M	1.80M	2.73M	2.01M	2.02M	3.32M	2.52M	5.71M	9.21M	10.17M	8.26M	9.44M	5.54M	5.94M	5.80M	4.02M	4.64M	4.00M	2.68M	3.33M	-	2.40M	5.59M	6.66M	7.19M	2.01M
Diluted EPS	0.30	0.20	0.28	0.42	0.31	0.31	0.52	0.39	0.94	1.51	1.65	1.33	1.52	0.44	0.48	0.48	0.34	0.41	0.35	0.24	0.30	-	0.21	0.49	0.58	0.61	0.17

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	111.85M	100.91M	112.33M	126.86M
Cost of Revenue	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	18.59M	67.65M	85.03M	78.64M
Pretax Income	-	-	-	-	-	27.92M	16.97M	21.79M	28.40M
Tax Provision	-	-	-	-	-	6.09M	3.72M	5.44M	6.57M
Net Income	3.03M	8.16M	10.48M	26.44M	-	21.83M	13.24M	16.35M	21.84M
Diluted EPS	0.49	1.27	1.63	4.27	-	1.79	1.16	1.45	1.89

Compounded Sales Growth

5 Years:	4.29%
1 Year:	3.90%

Compounded Profit Growth

5 Years:	0.01%
1 Year:	-19.10%

Stock Price Performance

1 Year:	+37.45%
6 Months:	+13.42%
3 Months:	-6.82%
1 Month:	-1.39%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	856.03M	997.48M	1.15B	1.72B	-	2.06B	2.25B	2.39B	2.56B
Current Assets	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	38.39M	56.70M	27.46M	35.78M
Inventory	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	7.36M	9.32M	9.96M	10.72M
Total Liabilities	-	754.67M	887.93M	1.03B	1.58B	-	1.91B	2.09B	2.21B	2.36B
Current Liabilities	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	8.86M	6.24M	-	-	-	40.35M	49.84M	49.74M	49.85M
Total Debt	-	-	-	-	-	-	40.35M	49.84M	54.74M	51.35M
Total Equity	69.96M	101.36M	109.55M	120.69M	141.62M	-	153.28M	158.02M	171.52M	199.72M
Shares Outstanding	-	-	-	-	-	-	13.16M	13.19M	13.24M	13.83M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	10.48M	11.03M	21.57M	-158.47M	-	84.67M	18.85M	9.60M	24.30M
Investing Cash Flow	-109.64M	-155.60M	-143.08M	-370.70M	-	-393.15M	-164.19M	-165.00M	-163.90M
Financing Cash Flow	115.80M	133.02M	136.93M	526.54M	-	323.39M	163.64M	126.16M	147.92M
Capital Expenditure	-2.41M	-1.64M	-746.00K	-747.00K	-	-2.91M	-1.82M	-568.00K	-1.73M
Free Cash Flow	8.07M	9.39M	20.82M	-159.21M	-	81.76M	17.03M	9.03M	22.57M
Net Change in Cash	-	-	-	-	-	14.91M	18.31M	-29.23M	8.32M
Share Buybacks	-	-	3.00K	5.70M	3.03M	12.96M	4.26M	0	-
Dividends Paid	-	-	-	1.52M	9.68M	10.93M	5.61M	5.60M	5.67M

Ratios (Annual)

Figures in %.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	19.5%	13.1%	14.6%	17.2%
ROE %	3.0%	7.5%	8.7%	18.7%	-	14.2%	8.4%	9.5%	10.9%
ROCE %	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

20.36%

Institutions

65.12%

Public Float

81.77%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Fourthstone LLC	9.88%	1.18M	$21.13M
2	Strategic Value Bank Partners LLC	5.48%	651.30K	$11.71M
3	Blackrock Inc.	4.70%	558.53K	$10.04M
4	Vanguard Capital Management LLC	4.09%	486.84K	$8.75M
5	First Manhattan Co. LLC	3.68%	437.70K	$7.87M
6	Dimensional Fund Advisors LP	3.65%	434.00K	$7.80M
7	BANC FUNDS CO LLC	3.11%	369.33K	$6.64M
8	Acadian Asset Management. LLC	2.11%	250.94K	$4.51M
9	Ategra Capital Management, LLC	2.01%	239.21K	$4.30M
10	Geode Capital Management, LLC	1.79%	213.06K	$3.83M

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MRBK · Financial Services