Meridian Corporation Common Stock (MRBK)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Meridian Corporation as a small regional bank holding company, not a franchise with a wide moat. It lends and takes deposits in Pennsylvania, New Jersey, Delaware, Maryland, and Florida, with 327 employees. Its scale and relationship banking may help, but the filed numbers show uneven progress. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported net income of $5.8 million, diluted EPS of $0.48, and revenue of $1.7 million. For fiscal 2025, filed figures show revenue of $6.3 million, net income of $21.8 million, and diluted EPS of $1.89, up from fiscal 2024 revenue of $5.7 million, net income of $16.3 million, and diluted EPS of $1.45. That sounds healthy, yet the computed Lynch category is SLOW GROWER — Shrinking because profit has fallen 3.8% a year over five years. At the 2026-10-13 close of $18.58, FairStock calculates a P/E of 10.15, P/B of 1.08, ROE of 11.31%, dividend yield of 3.02%, beta of 0.64, and Piotroski F-score of 4/9. A double-digit ROE and near-book price are not demanding. But the F-score is weak, D/E is not available, and bank-specific measures I need—CET1, net interest margin, credit costs, reserve coverage, and combined ratio—are absent. I see a modestly profitable, reasonably priced bank with inconsistent earnings and no clear durable advantage. Without better credit disclosure, I cannot call it a compelling bargain.

In plain English: Meridian is a small regional bank holding company that takes deposits and makes loans in a few Mid-Atlantic states and Florida. Its profits have been bumpy, and some important bank safety details are not available. At $18.58, the stock looks roughly fairly priced to slightly cheap compared with its yearly profit and accounting value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer