Meridian Corporation
MRBK · Price history
Price at last available close
$18.96
+$0.02 (+0.11%) 1M
2026-10-28
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Company & revenue
About Meridian Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Meridian Corporation functions as the parent company for Meridian Bank, which provides a comprehensive range of commercial banking products and services throughout Pennsylvania, New Jersey, Delaware, and Maryland. The bank's deposit offerings include various account types such as non-interest-bearing and interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. It extends commercial and industrial financing solutions, encompassing business lines of credit, term loans, small business lending, lease financing, and participation in shared national credit facilities.
How they make money
Meridian Corporation operates as a bank holding company that generates revenue primarily through net interest income on loans and investment securities, alongside non-interest income streams including mortgage banking, SBA lending, and wealth management services. The company serves small and middle-market businesses, professionals, and retail customers through a community banking model.
Products & services
Commercial banking, wealth management, and mortgage banking services, including deposit accounts, commercial and residential mortgage loans, and SBA lending.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
58
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
48
Weak
Financial Strength
32
Business Quality / Moat
67
Management
56
Growth Quality
31
Risk / Durability
61
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
72
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
66/100
Building Historical Record
Model Score 66/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Insider activity signal is favorable
- •Debt service risk
- •M&A headline · Aug 21, 2026
- •M&A headline · Aug 5, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for MRBK
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving MRBK's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is MRBK's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is MRBK's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is MRBK's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
58
Opportunity Score
72
Market Cap
$226.2M
P/E Ratio
9.0
EPS
$2.10
52-Week High
$21.67
52-Week Low
$13.81
Beta
0.63
Intrinsic Value
$80.85
Analyst Target
$22.00
Shares Outstanding
11.5M
Total Revenue
$204.9M
Total Debt
$157.7M
Dividend Yield (TTM)
2.87%
Liquidation Value / Share
$17.75
Dividend / Share (TTM)
$0.55
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for MRBK
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Debt service risk
Interest coverage is low (~0.4x). Earnings may be strained to cover interest expense.
M&A headline · Aug 21, 2026
Meridian3 Industrials Acquisition Corp Announces the Separate Trading of its Class A Ordinary Shares and Warrants Commencing August 24, 2026 — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GlobeNewsWireM&A headline · Aug 5, 2026
Meridian Holdings: The Market Still Sees The Acquisition, Not The Earnings Engine — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Seeking AlphaCommunity Sentiment
0 active · 0 total callsNo personal call yet on MRBK.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strategic business footprint in the Delaware Valley tri-state market and Central Maryland.
- +Diversified non-interest revenue streams.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate fluctuations affecting net interest margin.
- −Credit risk associated with loan portfolio concentration.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
58
Oct 1, 2026
Change
Unchanged
Current Score
58
Oct 5, 2026
Category Changes
MRBK score was unchanged.
Projected Score
Projected Score
54
Projected Change
-3.8 points
Preliminary comparable-period financial changes suggest decline of approximately 3.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $2.10 · Growth assumption: 10.4% · Earnings multiplier: 29.3×.
Current Price
$18.96
Model Intrinsic Value
$80.85
Difference
−$61.89
-76.5% vs IV
Margin of Safety
76.5%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $204.9M | $205.5M | $197.4M | $168.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $83.8M | $93.8M | $96.4M | $74.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $121.1M | $111.7M | $100.9M | $94.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $63.1M | $55.2M | $8.1M | $51.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $89.6M | $83.3M | $79.1M | $77.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $30.2M | $28.4M | $24.1M | $19.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $31.5M | $28.4M | $21.8M | $17.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $74.7M | $78.6M | $85.0M | $67.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $31.5M | $28.4M | $21.8M | $17.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $7.2M | $6.6M | $5.4M | $3.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $24.4M | $21.8M | $16.3M | $13.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $2.10 | $1.93 | $1.47 | $1.19 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 11.86M | 11.33M | 11.11M | 11.12M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 12.17M | 11.54M | 11.24M | 11.39M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$50.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.48
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-16.4%
Cash Change
-77.7%
Margin Change
+0.8 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included debt levels, net income margin. Pressure indicators included revenue growth, EPS growth, cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 3.5%. EPS declined 2.0%. Cash declined 77.7%. Total debt declined 16.4%. Net income margin improved by 0.8 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Notifies Shareholders of an Investigation Concerning Possible Breaches of Fiduciary Duties by Certain Officers and Directors of Meridian Corporation (NASDAQ: MRBK).
Meridian Mining's Cabaçal gold-copper-silver project valued at $2bn
Meridian Mining's Definitive Feasibility Study for Cabaçal Delivers After-Tax NPV5 of USD 2.09 Billion, 108% IRR, and 0.9 Year Payback
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Notifies Shareholders of an Investigation Concerning Possible Breaches of Fiduciary Duties by Certain Officers and Directors of Meridian Corporation (NASDAQ: MRBK).
Rumor Mill · MRBK
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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