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Data-driven stock valuation

Meridian Bank (MRBK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Meridian Bank stock $15.23, price $16.47, that is 7.5% below the price, quality 44 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

MB Meridian Bank logo Broad data Nov 8, 2026

Meridian Bank

MRBK · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Solidly profitable · 19.1% net margin (TTM)
3.3% dividend yield · Low payout
Ranks above peers (9/15)
Broad data
Costs just 9 times its yearly profit.
Fair value $15.23 · Fairly valued
Quality 44/100
Mixed Growth (revenue 5y +6.6 %/yr in USD)
Moderate moat 55/100 · thin data
Insiders bought $35,380 (6M)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$20.49 $7.12 Fair Value $15.23 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $7.12 – $20.49 · fair‑value band $13.91 – $18.18 · the $16.47 price screens above the $15.23 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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.

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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.

Stock analysis

Meridian Bank (MRBK) currently trades at $16.47, while our model-based Fair Value estimate is $15.23, so the stock looks roughly fairly valued today (gap 8.1%).

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Valuation

Bull case: the Multiples group reads highest at a median of $23.40 per share, and 2 of the 6 models we run sit above the $16.47 price.

Bear case: the Dividend Discount group reads lowest at $5.95, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $13.91 (bear) to $18.18 (bull), the price of $16.47 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Meridian Bank reported revenue of $205M in FY2025 versus $160M in FY2021, a compound +6.5%/yr. Reported net income was $21.8M in FY2025, compounding −11.5%/yr from FY2021.

Key figures

Market cap $223M Micro · P/E ratio 9.0 · P/S ratio 1.97 · EPS (TTM) $1.83 · Dividend yield 3.3% · Net margin 19.1% · Return on equity 11.3% · Return on assets (EBIT) 1.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (low confidence).

What moves the price

The share trades about 20% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −8%, MRBK screens cheaper than that median.

Fair Value models

Bear $13.91 Fair Value $15.23 Bull $18.18
Price $16.47 · Downside -7.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.10 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $13.91 $15.23 $18.18 76
Gordon GGM $3.53 $6.17 $8.28 68
DDM Multi-Stage $3.53 $5.73 $6.61 67
All 6 models by family
Dividend Discount
Gordon GGM $3.53 $6.17 $8.28 68
DDM Multi-Stage $3.53 $5.73 $6.61 67
Multiples
P/E Multiple $17.84 $23.78 $29.73 63
P/B Multiple $17.26 $23.02 $28.77 55
Asset-Based
NCAV (Graham) $8.22 $11.02 $16.44 54
Economic Profit
Residual Income $13.91 $15.23 $18.18 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 44/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 26
How much profit the company makes from its sales and capital
Quality Growth 56
Are margins and returns getting better?
Cashflow 60
Do the profits arrive as real cash?
Financial strength 5
Debt, balance sheet and risk of trouble
Investment 72
Does it invest with discipline instead of growing at any price?
Low Volatility 82
How calm the share price moves, does not count
Price momentum 40
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 43
Distance to the 52-week high, does not count
New shares 43
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $35,380, most recently on May 13, 2026. Buying cluster

  • BuyAnthony Mark ImbesiDirector1,000 shares at $17.38$17,380May 13, 2026
  • BuyKenneth Thomas WarrinerDirector2× since Apr 30, 2026: 2,000 shares, avg. $18.21$36,420May 11, 2026

Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 78/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+4.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.6%
Start year 2020 (pandemic). Over 10 years: +13.4% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+0.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.4%
Dividend (yield on the price)3.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−2.4% vs 6.1%, slowing
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 14%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 44 · Bottom 25%
Fair Value upside −7.5% · Above median
Profitability
Return on equity (12 months) 11.3% · Above median
Return on assets 0.9% · Below median
Net margin (12 months) 19.1% · Bottom 25%
Operating margin (12 months) 25.2% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 3.7% · Below median
Dividend yield (12 months) 3.3% · Above median
Balance sheet
Debt / equity 0.25× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.0× · Cheaper than median
P/B 1.12× · Cheaper than median
P/S (12 months) 1.97× · Cheapest 25%
Price / free cash flow (fiscal year) 9.9× · Cheaper than median
EV/EBITDA 8.4× · Cheaper than median
PEG 1.58× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)23 · sector 8
FUTURE (revenue growth)19 · sector 47
PAST (return on equity)45 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)66 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs MRBK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs MRBK
BNP Paribas SA BNP €91.93 €106.01 +15% vs MRBK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs MRBK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs MRBK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs MRBK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs MRBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs MRBK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs MRBK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs MRBK

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Meridian Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Meridian Bank Fair Value". https://www.fairvalue-calculator.com/stock/MRBK

Frequently asked questions

Is Meridian Bank (MRBK) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $15.23 versus a price of $16.47, about 8% lower (fairly valued).
What is the fair value of MRBK?
Our model-based fair value for Meridian Bank is $15.23 (as of Nov 8, 2026), built from audited fundamentals. The current price: $16.47.
What is the quality score of MRBK?
Meridian Bank has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Meridian Bank (MRBK)?
Our model-based price target is the fair value of $15.23 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $13.91, optimistic scenario $18.18. It is a calculation from audited fundamentals, not an analyst target.
What is the Meridian Bank stock forecast for 2026?
Our models put fair value at $15.23, about 8% lower versus a price of $16.47 (fairly valued). Cautious scenario $13.91, optimistic scenario $18.18. The calculation is refreshed regularly with new filings.
What is the revenue of Meridian Bank (MRBK)?
Meridian Bank reported trailing-twelve-month revenue of about $114M (latest available figure, as of Nov 8, 2026).
Does Meridian Bank pay a dividend?
Meridian Bank currently shows a dividend yield of 3.31% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Meridian Bank (MRBK) and when is the ex-dividend date?
Meridian Bank pays a dividend of $0.545 per share a year, a dividend yield of 3.3%. The last ex-dividend date was Aug 10, 2026. A dividend has been paid every year since at least 2020. The payout ratio is 29.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Meridian Bank (MRBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Meridian Bank it is $15.23 per share (as of Nov 8, 2026), against a price of $16.47. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Meridian Bank stock overvalued or undervalued in 2026?
As of Nov 8, 2026, MRBK trades above its calculated fair value: price $16.47, fair value $15.23, a gap of about −8% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MRBK?
No. The price is what the market pays today ($16.47); the fair value is what the company's own numbers justify ($15.23). For Meridian Bank the two are $1.24 per share apart. That gap is exactly why we show both numbers side by side.
How much is Meridian Bank worth?
The market values Meridian Bank at about $223M (market capitalisation, as of Nov 8, 2026). Per share that is $16.47; our models calculate a fair value of $15.23 per share.
What do the bullish and bearish scenarios say about MRBK?
Our models span a range for Meridian Bank: cautious scenario $13.91, base $15.23, optimistic $18.18 per share (as of Nov 8, 2026, price $16.47). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MRBK?
Meridian Bank trades at a price-to-earnings ratio of 9.0 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.23 is built from several models across several years. Other multiples: PEG 1.6, P/B 1.1, P/S 2.0, EV/EBITDA 8.4.
What is the PEG ratio of MRBK?
The PEG ratio of Meridian Bank is 1.58 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Meridian Bank (MRBK)?
Balance-sheet figures for Meridian Bank (as of Nov 8, 2026): return on equity 11.3%, debt of 0.25 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is MRBK from its 52-week high?
Meridian Bank trades at $16.47, about 20% below its 52-week high of $20.49 and 17% above the low of $14.09 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.23 is for.
Which stocks are comparable to Meridian Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Meridian Bank stock attractive at the current price?
The data as of Nov 8, 2026: price $16.47, calculated fair value $15.23 (−8%), Quality Score 44/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MRBK calculated?
We run Meridian Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.23 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Meridian Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Meridian Bank (MRBK)?
The closing price on Nov 6, 2026 was $16.47. Our model-based fair value is $15.23, about 8% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Meridian Bank right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Meridian Bank (MRBK) come from?
Earnings per share at Meridian Bank grew +3.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.8 %, EBIT margin −4.9 %, tax rate +1.8 %, residual (interest, one-offs) +3.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Meridian Bank

How large is the market capitalisation of Meridian Bank (MRBK)?
The market capitalisation of Meridian Bank is $223M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Meridian Bank (MRBK)?
The price-to-sales ratio of Meridian Bank is 1.97 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Meridian Bank (MRBK)?
Earnings per share at Meridian Bank are $1.83 (price ÷ EPS = P/E 9.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Meridian Bank (MRBK)?
The dividend yield of Meridian Bank is 3.3% (payout 29.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Meridian Bank (MRBK)?
The net margin of Meridian Bank is 19.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Meridian Bank (MRBK)?
The return on equity (ROE) of Meridian Bank is 11.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Meridian Bank (MRBK)?
On an EBIT basis the return on assets of Meridian Bank is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Meridian Bank (MRBK)?
The operating margin of Meridian Bank is 25.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Meridian Bank (MRBK)?
Revenue at Meridian Bank is growing +3.7% versus a year earlier (3y avg +16.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Meridian Bank (MRBK)?
Earnings per share at Meridian Bank are growing −2.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Meridian Bank (MRBK) generate?
The free cash flow of Meridian Bank is $22.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Meridian Bank (MRBK) carry?
The net debt of Meridian Bank is $131M (fiscal year 2025, ≈ 5.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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