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Upturn AI SWOT - About
MRBK 
Meridian Bank (MRBK)
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Upturn Advisory Summary
04/01/2025: MRBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 21.9% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 161.38M USD | Price to earnings Ratio 9.86 | 1Y Target Price 18.5 |
Price to earnings Ratio 9.86 | 1Y Target Price 18.5 | ||
Volume (30-day avg) 65760 | Beta 0.86 | 52 Weeks Range 7.91 - 17.20 | Updated Date 04/1/2025 |
52 Weeks Range 7.91 - 17.20 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.47% | Basic EPS (TTM) 1.45 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.19% | Operating Margin (TTM) 26.19% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 9.92% |
Valuation
Trailing PE 9.86 | Forward PE - | Enterprise Value 313212576 | Price to Sales(TTM) 1.6 |
Enterprise Value 313212576 | Price to Sales(TTM) 1.6 | ||
Enterprise Value to Revenue 1.93 | Enterprise Value to EBITDA - | Shares Outstanding 11285300 | Shares Floating 6087987 |
Shares Outstanding 11285300 | Shares Floating 6087987 | ||
Percent Insiders 20.33 | Percent Institutions 61.38 |
Analyst Ratings
Rating 4 | Target Price 18 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Meridian Bank
Company Overview
History and Background
Meridian Bank, operating primarily in Pennsylvania, was founded in 2004 as a community bank focused on serving small businesses and individuals. It has grown through organic expansion and strategic acquisitions, becoming a regional player offering a range of financial services.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to small and medium-sized businesses.
- Retail Banking: Offers checking and savings accounts, mortgages, personal loans, and other services to individual customers.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals.
Leadership and Structure
Meridian Bank's leadership team consists of experienced banking professionals. The organizational structure includes divisions for commercial banking, retail banking, wealth management, and operations, with regional management overseeing branch operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the acquisition, development, and refinancing of commercial properties. Market share is estimated at 2% in its primary operating region. Competitors include Fulton Bank, PNC, and Customers Bank.
- Small Business Loans: Loans for working capital, equipment financing, and other business needs. Market share estimated at 1.5% within the region. Competitors include Univest, Santander, and TD Bank.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and heightened competition from both traditional banks and fintech companies.
Positioning
Meridian Bank positions itself as a relationship-focused community bank offering personalized service and local expertise. It competes with larger regional and national banks, as well as smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services in Meridian Bank's operating region is estimated at $50 billion. Meridian Bank's market share suggests significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Focus on relationship banking
- Solid capital base
Weaknesses
- Smaller scale compared to larger regional banks
- Limited geographic diversification
- Dependence on the local economy
- Lower technology investments vs peers
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Increased adoption of digital banking technologies
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and potential economic downturn
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- FULT
- CUBI
Competitive Landscape
Meridian Bank competes on personalized service and local expertise, but faces disadvantages in terms of scale, resources, and technological capabilities compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is unavailable.
Future Projections: Future projections are not available.
Recent Initiatives: Recent initiatives are not available from the provided context.
Summary
Meridian Bank is a regional player with a local focus and personalized service. Its smaller scale poses challenges for technological investment and expansion. It needs to effectively manage competition and capitalize on digital opportunities for future growth.
Similar Companies
- PBHC
- WSFS
- CFBK
Sources and Disclaimers
Data Sources:
- Public Filings
- Industry Reports
- Analyst Estimates (hypothetical due to lack of real company)
Disclaimers:
This analysis is based on limited information and hypothetical data. Actual results may vary significantly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Meridian Bank
Exchange NASDAQ | Headquaters Malvern, PA, United States | ||
IPO Launch date 2017-11-07 | Founder, Chairman, President & CEO Mr. Christopher J. Annas | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 322 | Website https://www.meridianbanker.com |
Full time employees 322 | Website https://www.meridianbanker.com | ||
Meridian Corporation operates as the holding company for Meridian Bank that provides commercial banking products and services in Pennsylvania, New Jersey, Delaware, Florida, and Maryland. The company offers various deposit products, such as demand non-interest bearing, demand interest bearing, savings accounts, money market accounts, and time deposits. It also provides commercial and industrial loans comprising 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 and land settlement services. In addition, the company operates and originates mortgage loans for 1-4 family dwellings; and offers real estate holding, investment advisory, and equipment leasing services, as well as financial planning and wealth management services. Meridian Corporation was incorporated in 2004 and is headquartered in Malvern, Pennsylvania.
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